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IndusInd Bank, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, IndusInd Bank is a name to reckon in the credit market.
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, SBI offers varied credit cards in the following categories.
1. Shopping Card
2. Cashback Card
3. Rewards Card
4. Travel Card
5. Life Time Free Card
6. Business Card
7. Lifestyle Card
8. Entertainment Card
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category.
Individuals who want to apply for an SBI credit card must meet the following eligibility criteria.
To apply for an IndusInd Bank credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 21 years old and maximum of 65 years. Anyone falling under this age limit can apply for a credit card with IndusInd Bank. Add-on credit cardholder should be over 15 years old.
You must have a regular income to avail an IndusInd Bank credit card. The income criteria differ according to the features and specifications of the card. You can get an IndusInd Bank credit card with a fixed deposit and a minimum requirement as set by the bank. However, income may vary for other cards based on specifications and features.
The customer should show a proof of steady source of income to avail a credit card from IndusInd Bank. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
Nationality: The applicant should be a resident of India or Non-Resident Indian.
The applicant must check the following things while applying for an IndusInd Bank credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get an IndusInd Bank credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India or Non-Resident Indian.
How to Apply for IndusInd Bank Credit Card?
If you want to apply for an IndusInd Bank credit card, the process is simple, and you can follow the steps given below to get it.
To apply for an IndusInd Bank credit card, you need to submit the following documents.
IndusInd Bank cardholder can get interest free credit period of up to 50 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of 2.5% of amount withdrawn or INR 300 will be charged, and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable
The credit limit on the IndusInd Bank credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
You can get in touch with the IndusInd Bank credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 1860 267 7777 from your mobile and Landlines in India.
You can also write to IndusInd Bank priority.care(at)indusind(dot)com post your queries related to credit cards. You may have to enter your name and contact details for further assistance.
You can use the following methods to pay your IndusInd Bank credit card bills.
IndusInd Bank Account Holders:
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the IndusInd Bank Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to IndusInd Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
Cash payment: You can pay your IndusInd Bank credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
Cheque payment: If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
It is now easy to check whether you are eligible to get an IndusInd Bank credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier.
1. How can I get an IndusInd Bank credit card?
Individuals apply for the IndusInd Bank Credit Card through any of following modes:
2. What are the eligibility parameters for IndusInd Bank Credit Card?
The credit card of IndusInd bank is issued based on many eligibility parameters as set by the bank in this regard. These parameters are viewed as a whole to decide the eligibility of the applicant. Some of the parameters or criteria set by the bank for determining eligibility of the applicant and sanctioning the credit card are mentioned below,
3. What is the minimum age required to apply for an IndusInd Bank credit card?
The minimum age to be eligible for the IndusInd Bank credit card is 21 years of age.
4. Is a housewife eligible to apply for the IndusInd Bank credit card?
Yes. Housewives can also apply for the credit card of IndusInd Bank. The credit card sanctioned to them will be in the nature of an add-on card and will share the credit limit with the primary card based on which the add-on card is issued. Alternatively, if the housewife has an FD in her name, the same can also be used as a security against which the credit card can be issued.
5. Can a person apply for multiple cards of IndusInd Bank?
Yes. There is no restriction to apply for multiple credit cards from IndusInd Bank. However, the applicant has to ensure that the dues of each card is cleared on a timely basis to maintain the credit score of the card holder and to increase the available credit limits.
6. Can a person get an IndusInd Bank credit card immediately?
Yes. The pre-approved credit cards where the applicant does not need any documentation to prove his/her eligibility can be received immediately after fulfilling the required formalities of the bank. For regular credit cards, the time taken to receive the credit cards is up to 10 working days or as per the guidelines of the bank.
7. Can a person with a low credit score get an IndusInd Bank credit card?
A person with a low credit score is generally not given a credit card. However, the bank may sanction a credit card based on its discretion. Alternatively, the customer can opt for a secured credit card by providing an FD as collateral.
8. Is IndusInd Bank credit card available for new customers?
Yes. IndusInd credit cards can be applied by new customers also. They will have to apply for an account with the bank first. If they meet the eligibility criteria set by the bank then they can get the credit card of IndusInd Bank.
9. Can the limit of IndusInd Bank credit card be increased?
Yes. The credit limit of IndusInd Bank credit card can be increased by the bank provided the card holder has maintained a good credit profile and can provide proof of increased income to support the increased credit limit.
10. Is the credit limit of a card holder increased automatically by the bank?
Yes. IndusInd Bank can increase the credit limit of a card holder at its discretion after determining the eligibility of the card holder for the increased credit limit.
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