IndusInd Signature Supreme Debit Card: Unlock ₹11,000 Welcome Benefits
Published: 19/02/2026 | by Amit Sharma
If you are a salaried professional or a business owner looking to extract maximum value from your daily spends, the IndusInd Bank Signature Supreme Debit Card has just launched a limited-time “power move.” Between August 10, 2025, and March 31, 2026, new cardholders can unlock rewards valued at ₹11,000 just by shifting their existing ECOM or POS spending to this card.
The Core Offer: How to Claim ₹11,000
The math behind the “₹11,000 benefit” is a combination of a massive base welcome bonus and an additional “speed bonus” for early activation.
- Base Welcome Bonus: 10,000 XtraSmiles points upon enrollment.
- Limited-Time Bonus: 1,000 extra XtraSmiles points.
- The Trigger: You must complete a single E-commerce (ECOM) or Point of Sale (POS) transaction within 30 days of receiving the card.
Invest with Bull Pro Tip: ATM withdrawals do not count toward this offer. Ensure your first transaction is a grocery swipe or an online utility bill payment to lock in the bonus.
Deep Dive: What is the XtraSmiles Program?
Unlike traditional cashback which is often capped or restricted to specific merchants, the XtraSmiles Program is a premium loyalty ecosystem designed for IndusInd’s elite cardholders.
When you get the Signature Supreme variant, you are automatically enrolled in a one-year subscription. The points act as a digital currency on the dedicated XtraSmiles portal.
Points Valuation and Redemption
While bank reward points can often be confusing, XtraSmiles points are highly liquid. You can redeem them for e-gift cards from over 160+ top-tier brands, including:
- Lifestyle: Amazon, Flipkart, Myntra, and Shoppers Stop.
- Dining: Zomato, Swiggy, and Starbucks.
- Travel: MakeMyTrip and Uber.
Step-by-Step Redemption Process:
- Login: Visit the official IndusInd Shopplus portal and use your registered mobile number.
- OTP Verification: Secure your session with the one-time password.
- Selection: Search for your preferred brand (e.g., “Amazon”) and select the denomination.
- Checkout: Choose the “XtraSmiles” payment option. If your points don’t cover the full amount, you can pay the balance using your IndusInd Debit Card.
- Delivery: The e-gift card code arrives via SMS/Email within minutes.
Signature Supreme Features: Beyond the Welcome Offer
At Invest with Bull, we don’t just look at the bait; we look at the hook. Is the card worth keeping after the first 30 days?
1. Accelerated Rewards (The 6X Advantage)
The card features a tiered reward structure that incentivizes higher monthly spends.
| Monthly Spends (INR) | Points per ₹200 Spent |
| Up to ₹5,000 | 2 Points |
| ₹5,001 – ₹10,000 | 3 Points |
| ₹10,001 – ₹20,000 | 4 Points |
| ₹20,001 – ₹40,000 | 5 Points |
| Above ₹40,000 | 6 Points |
2. Entertainment & Dining
- BookMyShow BOGO: Buy one movie ticket and get the second one FREE.
- Limit: Up to 2 free tickets per quarter, worth ₹350 each (Annual benefit of ₹2,800).
- 2026 Update: Effective Jan 1, 2026, there is a limit of 1 FREE movie ticket and 1 FREE event ticket per day.
- Zomato & BigBasket: 10% instant discount on monthly orders (Annual savings estimated at ₹3,600 for Zomato and ₹1,800 for BigBasket).
3. Travel & Insurance
- Lounge Access: Complimentary domestic and international airport lounge access (up to 2 times per quarter).
- Spend Criteria: Starting July 2025, access requires a minimum spend of ₹5,000 in the previous calendar quarter.
- Comprehensive Cover: * Air Accident Insurance: ₹30,00,000
- Personal Accident Insurance: ₹2,00,000
- Purchase Protection: ₹50,000
- Lost Card Liability: Up to ₹3,00,000
- Delay of Checked-in Baggage: ₹25,000
Recurring Payments: Supported Merchants
IndusInd Bank allows you to set up hassle-free Standing Instructions (SI) for various services.
- OTT & Entertainment: Netflix, Amazon Prime, Hotstar, Spotify, Zee5, Discovery, Gaana.com.
- Insurance: Max Life, Bajaj Allianz, HDFC Ergo, Max Niva Bupa, Exide Life, Bharti AXA.
- Utilities & Productivity: Google India, Microsoft, Vodafone, Naukri, Facebook, Macafee.
- Lifestyle: Club Mahindra, Policy Bazaar, Ipru, Story tell, RPSL.
Fees, Limits, and Eligibility
- Issuance Fee: ₹10,000 + Taxes (offset by the ₹11,000 welcome bonus).
- Annual Fee: ₹1,499 + Taxes (from the 2nd year onwards).
- Daily Limits: ₹1,50,000 (ATM) and ₹3,00,000 (POS).
- Cross-Currency Markup: 2%.
- Fuel Surcharge Waiver: Up to ₹250 per month.
Eligibility & Fees: The Fine Print
To maintain the “Bullish” transparency we are known for, here are the costs associated with the card as of February 2026:
- Joining/Issuance Fee: ₹10,000 + Taxes (This is often offset by the ₹11,000 welcome benefit).
- Annual Fee (2nd Year onwards): ₹1,499 + Taxes.
- Eligibility: Existing IndusInd Bank account holders can upgrade via Net Banking or the mobile app. New customers can opt for this card while opening an Indus Maxima or higher-tier savings account.
Frequently Asked Questions (FAQs)
How long are XtraSmiles points valid?
XtraSmiles points are valid for one year from the date they are credited to your account. Ensure you redeem them on the GyFTR portal before they expire.
Can I get the bonus if I already have a Signature Supreme Card?
No. The 11,000 points offer is specifically for customers who have their card issued between Aug 10, 2025, and March 31, 2026. Existing holders of this specific variant are not eligible for the bonus.
Is there a cap on Amazon/Flipkart voucher redemption?
Yes. Typically, redemption for high-demand vouchers like Amazon and Flipkart is capped at 50-70% of your total XtraSmiles points value per month to ensure fair usage.
How do I upgrade my existing IndusInd Debit Card?
Log in to your IndusInd Net Banking portal, navigate to the “Cards” section, and select “Service Request” to upgrade. Alternatively, you can visit your base branch.
Does the card offer zero cross-currency markup?
While some elite IndusInd cards offer 0%, the Signature Supreme typically carries a discounted markup (around 2% as of 2026). Always check your specific “Schedule of Charges” for the latest rates.
How do I get the ₹11,000 welcome benefit?
You must be a new Signature Supreme cardholder (issued between Aug 10, 2025, and Mar 31, 2026) and complete at least one ECOM or POS transaction within 30 days of receiving the card.
Can I use the lounge access immediately?
No. Effective 2025/2026, you must meet the spend threshold of ₹5,000 in the previous quarter to unlock lounge benefits for the current quarter.
What is the value of 1 XtraSmiles point?
While value can vary by brand, the “₹11,000 worth” benefit implies a 1:1 ratio for most vouchers, meaning 11,000 points equate to ₹11,000 in purchasing power on the GyFTR portal.
Are there any excluded transactions for reward points?
Yes. Generally, ATM withdrawals, cash advances, and transaction reversals do not earn points or count toward the welcome offer.
As the Lead Analyst at Invest With Bull, Amit Sharma bridges the gap between complex banking regulations and your wallet. With a core focus on Credit Card Arbitrage and BDA Real Estate, Amit provides the data-backed analysis that salaried professionals need to maximize returns and minimize interest. He is dedicated to building financial literacy through unbiased, actionable research.