I have very recently started using the IndusInd bank credit card. There are plethora of rewards that they provide and they are quite useful. I have been primarily using the card for shopping and travelling and look forward to use it for other purposes. The best part I liked is the fact that the reward points earned do not carry an expiry date unlike many other bank credit cards and keep on getting accumulated. So I don’t need to track the expiry date of my reward point in monthly statement and can get them redeemed any time.
Manoj Bakshi
39 years- Kolkata
I recently applied for IndusInd bank credit card. They offered me a lifetime free card without any joining fees. The process of card application was also fully digital and hassle free without the need of any physical documentation or the need to visit the bank branch. What surprised me was the variety of rewards and benefits that came with the card. I like to watch movies and this card has so many offers and rewards available for booking movie tickets.
Abhishek Awasthi
49 years- Noida
There are so many benefits available on IndusInd card. The main thing is they have not charged me any joining fee or annual fee till now. Also they have dispatched the card as per their promised time. Since most of my transactions are on weekends, I really like the provision of accelerated reward points on weekends. Also the process for redeeming the reward points is quite simple and the best part is that I can convert my reward points to cash to clear my outstanding which is find as one of the best features.
Hardeep Singh
41 years- Ludhiana
My husband has an account with IndusInd and we are already happy with the bank services. We were offered an Instant Credit Card from the bank without any additional physical documentation. Infact we were really surprised with the instant online hassle free application process of the bank and got our card delivered within no time. I still can’t believe this is a life time free card and unlike other banks there are no hidden costs also involved here.
Naushin Farhat
36 years- Banaras
I have been using IndusInd Credit card for a while now and have not faced any issues so far. I have recommended this card to my friends also, it is a lifetime free card and offers exciting rewards. Although I took it for emergency situations but now I have started using it for my regular transactions also due to exciting reward points that I get with every transaction I do with the card. There is also a facility of converting spends to EMI which comes quite handy in lot of situations.
Sakshi Mathur
28 years- Mumbai
After doing a thorough credit card comparison, I decided to go ahead with the IndusInd Bank credit card for my travel ticket booking and shopping spends. Being a frequent traveler the card comes quite handy with its free airport lounge access offer and also zero foreign currency markup charges on my international spends. You also get complimentary business class ticket voucher on achieving millstone spends. I am totally satisfied with the card and recommend to everyone who has frequent travel needs.
Nisar Ali
29 years- Mumbai
I was not able to travel due to health issues but still this card was delivered to me and all the documentation was done online. One of my colleague suggested this card to me and the rewards and benefits of the card have been extremely impressive. I also get fuel surcharge waiver which helps me save a lot on my fuel spends. I plan to continue using it and recommend it to others as one of the best credit cards.
Debojeet Sen
52 years- Asansol
I have been using IndusInd credit card for the last two months. I applied for it online and the bank agent gave me complete information about the card variant and the charges. Entire documentation was done online. I also got a credit limit of 300,000 much higher than my other existing cards. I can also keep a track of all my spending though the bank’s app. Overall, I am very happy with the services provided by the bank.
Sudipta Lahiri
39 years- Tripura
My credit limit was very low initially at the time of getting the card but after using the credit card for a year now, my limit has been increased. They have given me a credit limit of 1 lac and this is a lifetime free card. I am quite satisfied with the benefits of the card also. I have been also using other bank credit cards but find the rewards and offers much better on my IndusInd credit card. The points can also be easily redeemed in IndusInd card.
Aditya Agarwal
42 years- Hyderabad
No particular reason for selecting this card but it comes with lifetime free which not many banks offer. I already have an account with the bank and my experience has been smooth so far. The documentation process was also so easy, completely digital. I requested for a credit limit increase and it took some time but this was done. Now I have a credit limit of 1 lakh.
Vijay Shivanathan
35 years- Chennai
I have very recently started using the IndusInd bank credit card. There are plethora of rewards that they provide and they are quite useful. I have been primarily using the card for shopping and travelling and look forward to use it for other purposes. The best part I liked is the fact that the reward points earned do not carry an expiry date unlike many other bank credit cards and keep on getting accumulated. So I don’t need to track the expiry date of my reward point in monthly statement and can get them redeemed any time.
Manoj Bakshi
39 years- Kolkata
I recently applied for IndusInd bank credit card. They offered me a lifetime free card without any joining fees. The process of card application was also fully digital and hassle free without the need of any physical documentation or the need to visit the bank branch. What surprised me was the variety of rewards and benefits that came with the card. I like to watch movies and this card has so many offers and rewards available for booking movie tickets.
Abhishek Awasthi
49 years- Noida
There are so many benefits available on IndusInd card. The main thing is they have not charged me any joining fee or annual fee till now. Also they have dispatched the card as per their promised time. Since most of my transactions are on weekends, I really like the provision of accelerated reward points on weekends. Also the process for redeeming the reward points is quite simple and the best part is that I can convert my reward points to cash to clear my outstanding which is find as one of the best features.
Hardeep Singh
41 years- Ludhiana
My husband has an account with IndusInd and we are already happy with the bank services. We were offered an Instant Credit Card from the bank without any additional physical documentation. Infact we were really surprised with the instant online hassle free application process of the bank and got our card delivered within no time. I still can’t believe this is a life time free card and unlike other banks there are no hidden costs also involved here.
Naushin Farhat
36 years- Banaras
I have been using IndusInd Credit card for a while now and have not faced any issues so far. I have recommended this card to my friends also, it is a lifetime free card and offers exciting rewards. Although I took it for emergency situations but now I have started using it for my regular transactions also due to exciting reward points that I get with every transaction I do with the card. There is also a facility of converting spends to EMI which comes quite handy in lot of situations.
Sakshi Mathur
28 years- Mumbai
After doing a thorough credit card comparison, I decided to go ahead with the IndusInd Bank credit card for my travel ticket booking and shopping spends. Being a frequent traveler the card comes quite handy with its free airport lounge access offer and also zero foreign currency markup charges on my international spends. You also get complimentary business class ticket voucher on achieving millstone spends. I am totally satisfied with the card and recommend to everyone who has frequent travel needs.
Nisar Ali
29 years- Mumbai
I was not able to travel due to health issues but still this card was delivered to me and all the documentation was done online. One of my colleague suggested this card to me and the rewards and benefits of the card have been extremely impressive. I also get fuel surcharge waiver which helps me save a lot on my fuel spends. I plan to continue using it and recommend it to others as one of the best credit cards.
Debojeet Sen
52 years- Asansol
I have been using IndusInd credit card for the last two months. I applied for it online and the bank agent gave me complete information about the card variant and the charges. Entire documentation was done online. I also got a credit limit of 300,000 much higher than my other existing cards. I can also keep a track of all my spending though the bank’s app. Overall, I am very happy with the services provided by the bank.
Sudipta Lahiri
39 years- Tripura
My credit limit was very low initially at the time of getting the card but after using the credit card for a year now, my limit has been increased. They have given me a credit limit of 1 lac and this is a lifetime free card. I am quite satisfied with the benefits of the card also. I have been also using other bank credit cards but find the rewards and offers much better on my IndusInd credit card. The points can also be easily redeemed in IndusInd card.
Aditya Agarwal
42 years- Hyderabad
No particular reason for selecting this card but it comes with lifetime free which not many banks offer. I already have an account with the bank and my experience has been smooth so far. The documentation process was also so easy, completely digital. I requested for a credit limit increase and it took some time but this was done. Now I have a credit limit of 1 lakh.
Vijay Shivanathan
35 years- Chennai
Issued by renowned banks and financial institutions, a credit card enables the cardholder to purchase some products or avail of some services on credit. Owning a credit card enables people to borrow funds from the bank or financial institution, with a promise that they will pay off the amount within a specific time. The cardholder doesn’t need to pay any interest if they repay the amount within the specified interest-free period. The cards have a pre-set borrowing limit, which indicates the maximum amount of money a person can spend using the credit card. IndusInd Bank has some of the best credit card offerings to meet the requirement of their customers. Do a quick credit card comparison and select the best credit card that suits to your requirements.
While there are many misconceptions about credit cards, when used wisely they can help you manage your finances with ease. A Credit Card enables you to borrow a certain sum of money, which can be repaid by you later in instalments. Interest is charged on the amount of money that you borrow in case you don’t repay the amount by the payment due date. Credit card interest rates vary, depending on the type of credit card you are using and your card issuing bank.
Using a credit card not only provides financial assistance but also has a number of added benefits depending upon the type of credit card. Some of them are mentioned below:
At IndusInd Bank, we understand that every customer has a different financial need. Considering this, we have designed best credit cards that come with endless benefits and privileges that meet the specific needs of the customers. Starting from rewards, cashback to entertainment and dining offers, IndusInd Bank Credit Cards are loaded with perks and privileges. You can easily apply for an IndusInd Bank Credit Card online and start using it in no time.
A credit card enables you to make purchases by borrowing some funds, which needs to be repaid within a specific time limit. The financial institution issuing the credit card allows the holder to spend money within the set limit. A debit card is used to withdraw money that you have already deposited in your account. Debit Cards are linked to your bank account and offered as an additional facility to the users.
Your credit card application process has become easier. You need to follow the steps mentioned below to apply for credit card online:
Basis credit limit eligibility, multiple credit card options are offered across multiple segments.
Providing 6 months of current bank account statements might make you eligible for better Credit Card variant.
Approval of Credit Card is now online and instant. However, card will be embossed and delivered within 5 working days from the date of application.
You may call our Helpline number 1860 267 7777 to know the status of your credit card application. Once your application is processed, Bank will communicate the status through an SMS on the mobile number stated on your application form.
Please click here to know the interest rate applicable on your IndusInd Bank Credit Card.
Interest is calculated on a daily basis on the current outstanding balance of the Cardholder. Interest is levied if Total Amount Due is not paid off by due date. Interest is also levied on all fee, charges, interest and GST. Interest rate of 3.83% per month (46% per annum) will be applicable initially. The bank can at its sole discretion change the interest rate depending on factors such as, but not limited to, credit history, purchase patterns, payment behavior, loyalty and vintage of the customer. Interest charges are dynamic and are subject to change based on periodic review by IndusInd Bank.
No, if your current balance is zero, you have a grace period of up to 50 days (on retail transactions) to make your payment. However, cash transactions attract an interest charge from the date of transaction till settlement date. Cash transactions also attract a transaction fee and applicable service charges.
No, the grace period on retail transactions is valid only if there are no out-standings on the Credit Card. If you are already revolving, then all fresh purchases will attract interest from the date of purchase.
At IndusInd Bank making credit card payments is a simple process. With a range of payment options, you will be completely at ease when you make your next payment.
You can choose between any of the following modes of payment options to settle your monthly dues:
Yes, you can make part-payment or pay the minimum amount due of the credit card bill to avoid late payment fees
Monthly statements will be sent on email. The same can also be downloaded using internet banking.
Please call our helpline number 1860 267 7777 or logon to IndusNet/ IndusMobile to update your Mobile number/Email address.
You can always resume the journey from where you left off by providing your Mobile Number.
You can approach us in any of the following ways:
Call us at our 24 hour Customer Care number: 1860 267 7777
Write to us at offer@indusind.com
In the event that you lose your credit card, please report the loss to IndusInd Bank Phone Banking immediately. Alternatively, you can instantly block and replace your credit card on IndusNet/ IndusMobile.
EMV Chip & PIN Credit Card provides you enhanced security for all your domestic and international transactions, in line with the best global practices on security of transactions. It provides an additional level of safety and security against counterfeit and skimming related frauds.
The Cardholder must take proper care of the accounts held jointly or singly without giving Card and the Card Number and do everything that is necessary to prevent the Card PIN from being lost, stolen or being misused.
Yes, your IndusInd Bank Credit Card is a globally valid card that you can use for all your transactions that you make abroad. All globally valid cards are governed by usage restrictions, entitlements and other conditions stipulated by The Reserve Bank of India (RBI) or by any other Government Authority from time to time. Card transactions in Nepal & Bhutan shall be in the local currency or the Indian rupee.
The cardholder must not exceed his credit limit under any circumstances. In case, the cardholder exceeds his credit limit, the card holder must immediately make a payment to IndusInd Bank in lieu of all amounts in excess of the credit limit. In case, the cardholder exceeds the credit limit, the Bank will levy an over limit charge as declared from time-to-time in the schedule of charges.
No, your IndusInd Bank Credit Card is for your personal use only and cannot be used by any third person. However, you may gift an add-on card to your family members that can be used by them. All charges & payments for transactions made on add-on cards will have to be borne by you.
According to the recent RBI Mandate, all customers who have used their Credit Card(s) Internationally (either E-Commerce, POS (Point of Sale) or ATM transactions) or any new issuance of Debit/Credit Card(s) effective 1st December, 2013 will have to be issued an EMV Chip & PIN enabled Credit Card.
An EMV Chip & PIN Credit Card is a Credit Card with an embedded microchip. This microchip stores the Card member information and the PIN in an encrypted format. This PIN is known only to the Cardholder thus providing enhanced security against possible misuse.
EMV Chip & PIN Credit Card provides you enhanced security for all your domestic and international transactions, in line with the best global practices on security of transactions. It provides an additional level of safety and security against counterfeit and skimming related fraud.
The EMV Chip & PIN Card stores the Card member information and the PIN in an encrypted format. The PIN will be known only to you and you need to enter the PIN at a POS terminal to authenticate and complete the transaction unlike your existing Chip Card.
There is no additional fee required to be paid for an EMV Chip & PIN Credit Card.
In accordance with the RBI directive and for the enhanced security of your Credit Card, we request you to accept the new EMV Chip & PIN Credit Card.
When you use an EMV Chip & PIN Credit Card at a POS terminal which is enabled for PIN Transactions, the POS machine will prompt you to enter a 4 digit PIN. Once you enter the correct Credit Card PIN in the terminal, your transaction will be approved.
If the POS terminal (Domestic or International) is enabled for PIN authentication, you will be asked to enter your PIN for successful completion of your transaction.
You will be given 3 attempts to enter the correct PIN, post which your PIN will be blocked and your transaction will get declined. Please place a request to unblock your PIN or request for a new PIN at our helpline number 1860 267 7777.You can also reset your PIN instantly by logging on to the IndusInd Bank Netbanking portal.
If you have forgotten your PIN, please logon to the IndusInd Bank Netbanking portal to generate it instantly or request for a new PIN at our helpline number 1860 267 7777.
At the time of issue of your EMV Chip & PIN Credit Card, your PIN will be dispatched to you separately. Please use this PIN at POS terminals to complete your transactions and at the ATM to withdraw cash.
No, the Credit Card and the PIN will be dispatched to you separately.
Yes, you can use the same PIN for cash withdrawals as well.
You have the following options to reset your PIN
Option 1: You can reset your PIN instantly using the IndusInd Bank Netbanking portal. Please logon to your IndusNet account and follow the process to reset your PIN.
Option 2: You can also place a request to dispatch the PIN at your mailing address by calling our helpline number 1860 267 7777.
Please note that the PIN change/reset/regeneration functionality does not exist for IndusInd Bank American Express Credit Card holders. In case, you have forgotten the PIN, please call the helpline number for further details
Yes, all linked active Add-On Cardholders will also be issued an EMV Chip & PIN Credit Card
Yes the Add-on Credit Card(s) will have a different PIN.
No, the Add-on Card holder needs to enter their own PIN. The transaction will get declined if they use any other PIN.
Interactive Voice Response i.e. IVR transactions are transactions that you carry out over the telephone where you provide your Credit Card number on an automated system to make payment to the vendor for purchase of goods, services etc. e.g. Account recharge on a TATA SKY helpline.
Please call our helpline number 1860 267 7777 to generate OTP for IVR transactions.
You would be required to enter your IVR One Time Password (OTP), in addition to your IndusInd Bank Credit Card credentials, when prompted by the merchant IVR.
An OTP generated once is valid only for 1 successful transaction or 2 hours whichever is earlier. You will need to generate a new OTP for every new transaction.
Please click here for details.
You can approach us in any of the following ways:
Call us at our 24 hour Customer Care number: 1860 267 7777
Write to us at offer@indusind.com
You can approach us in any of the following ways:
Call us at our 24 hour Customer Care number: 1860 267 7777
Write to us at offer@indusind.com