INDUSIND Bank Credit Card

IndusInd Bank is a large private bank in India that began in 1994 and is based in Pune. The bank offers many services, including retail banking, corporate banking, treasury services, and more. It has over 2,600 branches and 30 lakh credit card users.

IndusInd Bank started offering credit cards to its customers in 2011-12. In 2023, it launched premium cards like Indulge and Pioneer Heritage, offering exclusive benefits. It also launched its first RuPay credit card, the Platinum Card, which can be linked to UPI.

The bank now offers many rewarding cards at low fees. It has popular dining cards like EazyDiner Signature and Platinum, and the lifetime-free Legend card is a good entry-level option.

Below are all the details you need to know about IndusInd Credit Cards, including types, benefits, interest rates, eligibility, fees, how to apply, and much more!

IndusInd Credit Card Types

1. Reward Cards:

• IndusInd Platinum Visa Credit Card: Earn reward points on every purchase. You can redeem these points for buying gifts, travel, and more.
• IndusInd Platinum Aura Edge Credit Card: Earn 4x reward points at certain stores.

2. Travel Cards:

• IndusInd Avios Visa Infinite Credit Card: Earn Avios points when booking flights, hotels, and other travel-related services.
• IndusInd Nexxt Credit Card: Get lounge access, travel insurance, and free airport rides.

3. Lifestyle Cards:

• IndusInd Legend Credit Card: Get a high credit limit and perks like concierge services, golf, and dining discounts.
• IndusInd EazyDiner Credit Card: Save money at many restaurants in India.

4. Instant Cards:

• IndusInd Legend Credit Card (Instant): A contactless card you can use worldwide.
• IndusInd Platinum Visa Credit Card (Instant): Earn reward points and get the card instantly.
• IndusInd Platinum Aura Edge Visa Credit Card (Instant): Earn four times the reward points and get your card on the spot.
• IndusInd Iconia Visa Credit Card (Instant): Get fuel surcharges, cashback, and the card instantly.

5. Business Credit Cards:

• IndusInd Bank Business Gold Credit Card: Designed for small business owners, offering savings on office supplies, fuel, and travel expenses.
• IndusInd Bank Business Platinum Credit Card: Ideal for entrepreneurs, with benefits like higher spending limits, travel perks, and rewards on business expenditures.

6. Other Cards:

• IndusInd Platinum RuPay Credit Card: A zero-fee card that earns reward points and includes fuel surcharges.

IndusInd Credit Card Eligibility

Age:

• Your age must be at least 21.
• Your age should be below 60-65 years, depending on the card.

Income:

• Salaried: You need a minimum monthly income. High-end cards often need more income.
• strong Self-Employed:
You need a stable annual income.

Credit Score:

• Most premium cards need a credit score of 750 or higher.
• Entry-level cards might accept lower scores, but a good credit history is important.

Employment:

• Salaried: You must have a stable job and proof of income.
• Self-Employed: You need a stable income and a good financial history.

Other Things:

• You need to provide ID proof, address proof, and income proof (like salary slips or tax returns).
• Existing bank customers might have an easier time, especially if they have a good relationship with the bank.

Remember, the exact rules can vary by card. For example, the Pinnacle card needs higher income and scores, while the Platinum Aura card has easier rules.

IndusInd Credit Card Benefits and Features

IndusInd credit card features include many benefits for lifestyle, travel, shopping, and entertainment.

Lifestyle:

• Concierge Services: Premium cards offer 24/7 help for bookings and more.
• Golf Privileges: Some cards offer free golf rounds or access to golf courses.
• Dining Discounts: Get discounts at many restaurants.

Travel:

• Airport Lounge Access: Many cards offer free lounge access.
• Travel Insurance: Premium cards offer insurance for medical emergencies and lost baggage.
• Travel Discounts: Some cards offer deals on flights and hotels.

Shopping & Rewards:

• Reward Points: Earn points on every purchase, redeemable for various things.
• Cashback: Some cards offer cashback on purchases.
• EMI Options: Enjoy the flexibility to convert purchases into EMIs with the Nexxt Credit Card.

Fuel:

Fuel Surcharge Waiver: Most cards waive fuel surcharges.

Entertainment:

• Movie Tickets: Some cards offer free movie tickets and discounts.
• Event Access: Premium cardholders can access exclusive events.

Security & Protection:

• Zero Liability: Report lost cards immediately to avoid liability.
• Fraud Insurance: Many cards offer insurance against fraud.

Contactless Payments:

• Pay quickly and securely with contactless technology.

Premium Card Perks:

• Premium cards like Pinnacle and Celesta offer high rewards for luxury spending and personalised services.

IndusInd Credit Card Interest Rate

IndusInd Bank credit cards usually have an interest rate of 2.83% to 3.83% per month, which is about 34% to 46% per year. But the exact rate can change based on the card type, your credit history, and your past transactions with the bank.

Below are some key points:

1. Interest-Free Period: You can avoid interest if you pay your full bill on time. You usually have up to 50 days to do this.

2. evolving Credit: If you only pay a part of your bill, you'll pay interest on the remaining amount. This interest is calculated daily until you pay it off.

3. Cash Advance Interest: If you withdraw cash, you'll pay a higher interest rate from the day you withdraw it until you pay it back. This rate is usually 3.33% to 3.83% per month (40% to 46% per year).

4. Late Payments: If you don't settle the minimum payment on time, a late fee will be charged. You'll also pay interest on the unpaid balance.

IndusInd Credit Card Fees

Premium Cards:

IndusInd Legend Credit Card:

• One-time fee of ₹9,999
• No annual fee
• Good for frequent travellers and big spenders with perks like lounge access and rewards.

Dining and Lifestyle Cards:

EazyDiner IndusInd Credit Card:

• Annual fee of ₹1,999
• Good for people who dine out or shop often, with discounts and rewards.

Zero-Fee Cards:

IndusInd Bank Platinum and Platinum Aura Edge:

• No annual or joining fees
• Good for people who want rewards without paying a fee.

International Transactions:

Fees for using your card overseas vary:

• Tiger Credit Card: 1.5% fee
• Other cards: Around 3.5% fee
• Vistara co-branded card: No forex fees

Late Payments and Overspending:

• Late Fees: If you're late with your payment, a fee will apply, based on the amount you owe.
• Over-Limit Fees: If you spend more than your credit limit, you'll pay a fee of ₹500 or 2.5% of the extra amount, whichever is higher.

Top Credit Cards of IndusInd Bank and Their Reward Points

Apply Online Through CreditMantri

How to Apply for IndusInd Credit Cards

Choose a Credit Card:

• Go to the IndusInd Bank website.
• Choose a card that aligns with your needs—be it lifestyle, travel, or shopping.
• Compare benefits like rewards, fees, and perks.

Check Eligibility:

• Ensure you qualify based on age, income, and credit score criteria.
• Check the specific card page or ask customer service.

Gather Documents:

• Prepare your ID proof (Aadhaar, PAN, passport, etc.).
• Have your address proof (utility bills, passport, etc.).
• Gather income proof (salary slips, bank statements, etc).

Apply Online:

• Go to the IndusInd credit card application page.
• Fill in your details (name, address, income, etc.).
• Upload your documents.
• Submit your application.

Apply Offline:

• Call customer service to apply over the phone.
• Visit a nearby bank branch and apply directly in person.

Application Process:

• IndusInd Bank will verify your documents.
• They'll check your credit history and income.
• If your application is successful, you’ll get notified, and your card will be sent out.

Track Your Application:

• Follow your application progress by entering your reference number online.
• Call customer service for updates.

Activate Your Card:

• Follow the instructions to activate your card.
• Use the IndusInd Bank app to manage your card.
• Set up autopay to avoid late fees.

IndusInd Credit Card Application Status Check Process

Online Tracking:

1. Head to the IndusInd Bank Credit Card Status page for tracking.

2. Enter your Application Reference Number (from when you applied) or your mobile number and date of birth.

3. Click "Submit" or "Track Application."

4. You'll see the status of your application (approved, pending, or declined) on the screen.

Customer Care:

1. Call IndusInd Bank's Customer Care at 1860 267 7777 (for India).

2. Give them your Application Reference Number or registered mobile number.

3. A representative will update you on your application status.

Branch Visit:

1. Go to your nearest IndusInd Bank branch.

2. Ask for a representative in the credit card department.

3. Provide your Application Reference Number and any ID they need.

4. Your application status will be checked in the system, and they’ll inform you.

Email Inquiry:

1. Email IndusInd Bank's support team at reachus@indusind.com.

2. Include your Application Reference Number, registered mobile number, and basic details for verification.

3. Ask for an update on your credit card application status.

SMS Notifications (if available):

1.In some cases, IndusInd Bank might send SMS updates about your application directly to your phone.

IndusInd Bank Credit Card Application Status

After applying for a credit card, it is essential to verify the application status. For this purpose, IndusInd bank provides you with the facility to keep yourself aware about the status of your application. You can track this online, through your mobile number, airway bill number, calling customer care, and offline by visiting the nearest branch.

IndusInd Credit Card Offers

Dining:

• Discounts: Get up to 25% off at a variety of restaurants.
• Special Dining Experiences: Premium cards offer exclusive dining experiences.

Shopping & Lifestyle:

• E-commerce Discounts: Get exclusive discounts on Flipkart, Myntra, and Amazon.
• Luxury Discounts: Premium cards offer discounts at luxury stores.

Travel:

• Airport Lounges: Many cards offer free airport lounge access.
• Travel Discounts: Enjoy price reductions on flights, hotels, and travel packages.
• Concierge Services: Premium cards offer 24/7 travel assistance.

Fuel:

• Fuel Surcharge Waiver: Cut 1% off your fuel surcharge costs.
• Fuel Rewards: Earn extra rewards on fuel purchases.

Entertainment:

• Movie Tickets: Get free movie tickets or discounts.
• Exclusive Events: Get access to VIP events with a premium card.

EMI & Financing:

• Instant EMIs: Convert purchases into easy EMIs.
• Low-Interest EMIs: Get low-interest EMIs on special occasions.

Rewards:

• Earn Points: Earn points on every purchase.
• Redeem Rewards: Use your points to claim products, vouchers, air miles, or cashback.

Seasonal Offers:

• Get discounts, cashback, and bonus rewards during festivals and sales.

IndusInd Credit Card Activation Process

You can activate your new IndusInd Bank credit card in several easy ways:

1. Use the IndusInd Bank Mobile App:

• Download and open the IndusInd Bank app.
• Log in using your credentials including customer ID and password.
• Go to the "Credit Cards" section.
• Choose your new card and proceed with the activation steps. You might need to set a PIN or enter an OTP.

2. Use an IndusInd Bank ATM:

• Insert your new card into the ATM.
• Enter your existing PIN, or create a new one if needed.
• The ATM will confirm your card activation.

3. Call IndusInd Bank Customer Care:

• Call 1860 267 7777 (India) or +91 22 44066666 (international).
• Follow the instructions or speak to a representative.
• Verify your identity as needed.
• The representative will activate your card.

4. Activate by SMS:

• Send an SMS to the activation number (found in your welcome kit).
• Type "ACTIVATE" and the final 4 digits of your card.
• Wait for a confirmation SMS.

5. Use the IndusInd Bank Website:

• Log in to your online banking account.
• Go to the "Credit Cards" section.
• Choose your card and proceed with the activation steps.

Important Tips:

• Set a PIN: Choose a PIN with strong security for your card.
• Confirm Activation: Make a small purchase to ensure your card is active.
• Activation Time: Activation is usually instant, but allow up to 24 hours.

IndusInd Credit Card EMI Details

1. Eligibility:

• Minimum Purchase: You usually need to spend a certain amount to convert to EMI (e.g., ₹2,500 or ₹5,000).
• Card Type: Most IndusInd credit cards, especially premium ones, offer EMI options.

2. Types of EMI:

• Instant EMI: Choose EMI at the time of purchase.
• Post-Purchase EMI: Convert a purchase to EMI later.

3. How to Convert:

• Instant EMI:

  1. Select the EMI option at checkout.

  2. Choose your preferred tenure (3, 6, 9, or 12 months).

  3. Confirm the conversion.

• Post-Purchase EMI:

  1. Mobile App: Log in, go to the "Credit Cards" section, select the transaction, choose the tenure, and confirm.

  2. Net Banking: Log in, go to the "Credit Cards" section, select the transaction, choose the tenure, and confirm.

  3. Customer Care: Call 1860 267 7777, request EMI conversion, choose the tenure, and provide details.

4. EMI Details:

• Tenure: 3 to 24 months.
• Interest Rate: Usually 12-15% per year.
• Processing Fee: May be 1-3% of the transaction amount.
• No-Cost EMI: Sometimes offered with no interest.

5. Benefits of EMI:

• Affordable Payments: Break large purchases into smaller payments.
• Flexibility: Choose repayment periods.
• Low Interest: Competitive interest rates.

6. EMI Terms and Conditions:

• Eligibility: Only certain transactions can be converted.
• Processing Time: Conversion may take 1-2 days.
• Prepayment: You can pay off the EMI early, but there might be fees.
• EMI Payments: The EMI fee will be included in your credit card statement for the month.

7. Managing EMIs:

• Track EMIs: Use the IndusInd Bank app, net banking, or your credit card statement.
• Automatic Deductions: Your EMI amount will be deducted from your credit limit.

IndusInd Credit Card Statements

Accessing Your Statement

1. IndusInd Bank Mobile App:

1. Open the app and log in.

2. Go to the "Credit Cards" section.

3. Choose your card and set the payment cycle.

4. View or download your statement.

2. IndusInd Bank Net Banking:

1. Log in to your net banking account.

2. Go to the "Credit Cards" section.

3. Choose your card and decide on the billing cycle.

4. View or download your statement.

3. Email:

• IndusInd Bank sends monthly statements to your registered email.
• Check your email for the statement in PDF format.

4. Physical Statement:

• You can request a physical statement, but there might be a fee.

Understanding Your Statement

Your statement will show:

• Statement Date and Billing Cycle: The start and end dates of the billing cycle.
• Previous Balance: The amount you owe from the last month.
• Current Month Transactions: All your purchases, cash advances, and EMIs.
• Total Amount Due: The total balance to be paid.
• Payment Due Date: The deadline for payment.
• Minimum Payment Due: The least amount you must pay to avoid late fees.
• Credit Limit: Your total credit limit.
• Available Credit: The unused balance you can spend.
• EMI Details: If you have EMIs, the details will be listed.
• Reward Points: A summary of your earned and redeemed reward points.

IndusInd Credit Card Limit

Factors Affecting Your Credit Limit:

• Income: Higher income often means a higher credit limit.
• Credit Score: A good credit score (750+) can lead to a higher limit.
• Credit History: A good payment history helps.
• Bank Relationship: A longer, positive relationship with the bank can help.
• Debt-to-Income Ratio: Lower debt means a higher potential limit.
• Card Type: Different cards have different limits.

How to Check Your Credit Limit:

• IndusInd Bank Mobile App: Log in, go to the "Credit Cards" section, and check your limit.
• IndusInd Bank Net Banking: Log in, go to the "Credit Cards" section, and check your limit.
• Credit Card Statement: Your monthly statement shows your limit and available credit.
• SMS: You may get SMS alerts from IndusInd Bank regarding your limit status.

Types of Credit Limits:

• Primary Credit Limit: Your total credit limit.
• Available Credit: The balance available for spending.
• Cash Limit: The maximum amount you can withdraw as cash.

Increasing Your Credit Limit:

• Request through the App or Net Banking: Check if your app or net banking allows you to request an increase.
• Call Customer Care: Call 1860 267 7777 to request an increase.
• Eligibility: A good payment history, increased income, or a higher credit score can help.

IndusInd Credit Card Bill Payment

You can use the below methods to make payment of your IndusInd credit card bill:

1. Online Banking:

• Log in to IndusInd Net Banking or the Mobile Banking app.
• Pay your bill using bank transfers, UPI, or debit cards.

2. NEFT/RTGS:

• Complete a transfer from another bank account to pay your IndusInd credit card balance.

3. Cheque:

• Write a cheque in favour of "IndusInd Bank Credit Card" and mention your account number.
• Head to an IndusInd Bank branch or ATM to deposit your cheque.

4. Cash:

• Cash payments can be made at an IndusInd Bank branch to settle your bill.
• Check if your branch offers this service.

5. Auto-Pay:

• Activate auto-pay to have your payment deducted automatically from your linked bank account.

IndusInd Credit Card Customer Care

Call:

• Domestic calls: 1860 500 5004
• International calls: +91 22 44066666

Email:

• General inquiries or complaints: customercare@indusind.com
• Credit card-specific issues: creditcards@indusind.com

Visit a Branch:

• Receive in-person help by going to an IndusInd Bank branch.

Social Media:

• Message IndusInd Bank on Twitter or Facebook for assistance.

Disclaimer: All the features, interest rates, steps, and other information specified above are sourced when this page was written and are subject to change. For exact information, refer to the IndusInd website or contact them.

Frequently Asked Questions

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.