There’s important news for IndusInd Bank credit card users. The bank has announced several changes to its credit card rules that will take effect from June 15, 2026.
The new rules cover interest charges, fuel spending, transport expenses, foreign transactions, and late payment fees.
These changes could affect millions of customers, especially those who do not pay their credit card bills in full every month.
Partial Bill Payments May Become More Expensive
Customers who pay only a part of their monthly credit card bill should be extra careful.
According to the bank, interest on unpaid balances will continue as before. However, interest may now also be charged on new purchases made after a partial payment.
To restore the interest-free period, cardholders will need to pay their full outstanding balance on time for two consecutive billing cycles.
Because of this, financial experts recommend paying the full credit card bill every month whenever possible.
New Charges on Fuel and Transport Spending
IndusInd Bank has revised its fuel transaction policy for most standard and mid-range credit cards.
Customers who spend more than ₹30,000 on fuel in a single statement cycle will now be charged 1% plus applicable GST on the excess amount. Earlier, this limit was ₹50,000.
The bank has also introduced charges on transportation-related expenses. If spending on cabs, buses, railway tickets, tolls, and similar transport services exceeds ₹40,000 in a statement cycle, a 1% fee plus GST will apply to the excess amount.
However, air travel expenses are not included under this rule. Some premium cardholders will also remain exempt from these charges.
Higher Fees for Foreign Transactions and Late Payments
The bank has increased the Dynamic Currency Conversion (DCC) fee for foreign currency transactions.
For most standard and Tiger credit cards, the DCC fee will now be 2% plus GST, compared to 1% earlier. Some premium cards will continue to have a lower fee of 1%.
Late payment charges have also been revised. For example:
Outstanding balance of ₹501 to ₹1,000: Late fee of ₹500
Outstanding balance of ₹5,001 to ₹10,000: Late fee of up to ₹750
Certain premium credit cards may be exempt from these charges.
What Should Cardholders Do?
Before June 15, cardholders should carefully review the updated credit card terms and charges.
Paying the full bill on time every month can help avoid extra interest and late payment fees. Customers should also keep the new fuel, transportation, and foreign transaction rules in mind while using their cards.
Those with premium credit cards should check which fee waivers are available. Regular cardholders, meanwhile, may need to monitor their spending and payment habits more closely.
Using a credit card responsibly can help reduce unnecessary costs and improve your credit score over time.
