IndusInd Bank Credit Card

IndusInd Bank provides a range of credit cards that give you rewards for your spending. These cards offer cashback, rewards, and other perks in various categories such as shopping, travel, entertainment, and dining. Popular options include IndusInd Platinum Aura Edge, IndusInd Legend, and IndusInd Platinum. You can easily compare and apply for these credit cards through our platform. Check out the features and benefits to choose the one that fits your needs.

Apply for IndusInd Credit Cards Online

IndusInd Bank provides both premium and entry-level credit cards that offer savings in various categories like shopping, travel, rewards, and more. It's important to analyze your spending habits before applying for a credit card to maximize its benefits. Here are some of the popular IndusInd Bank Credit Cards:

How to Apply for IndusInd Credit Card?

To apply for an IndusInd Bank credit card online via MybankingTips, follow these steps:

  • Visit MybankingTips IndusInd Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

Online Apply Through The Bank’s Website

The following are the processes to apply online for an IndusInd credit card:

Step 1: Click "Apply Now" after selecting the card you wish to apply for. Step 2: After that, you'll be taken to the application page. Step 3: Provide the requested information. Step 4: Enter the mobile number by clicking "Verify Mobile No." Step 5: You will receive an OTP. Put it in for confirmation. Step 6: Enter information such as your name, PAN, residence, and income. Step 7: The offers that are best for you will be shown.. Step 8: Select the application and send it in.

Offline

Additionally, you can apply offline for the IndusInd bank credit card through customer service, email, text message, netbanking account, or by visiting the closest bank office and filling out an application in person. Make sure you have all the necessary paperwork on hand.

Eligibility Criteria to Apply for IndusInd Credit Cards

The requirements for each type of IndusInd credit card are different. However, the following are the minimum requirements for applying to any of IndusInd Bank's credit cards:

  • Credit score: A minimum CIBIL score of 750 is necessary.
  • Nationality: Candidates must be Indian citizens.
  • Income: Your annual income will be used by the bank to determine your eligibility.
  • Age: A minimum of 21 years old and a maximum of 65 years old are required of the candidate.
  • Occupation: Credit card applications for IndusInd Bank are open to both self-employed and salaried workers.

Required Documents to Apply for IndusInd Credit Card

While each card has a different list of papers, the following is a list of some of the more popular ones. The specific list of documents needed to apply for the credit card you want will be provided by the bank when you apply.

Proof of Identity Passport, Voter’s ID, Driver’s License, Aadhaar card, PAN Card, Overseas Citizen of India Card, Job card issued by NREGA, Person of Indian Origin Card, Letters issued by the UIDAI or any other government approved photo ID proof
Proof of Address Driver’s License, Aadhaar card, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof
Proof of Income

(For salaried)

  • Salary certificate
  • Recent salary slip/s
  • Last 3 months’ bank statement
  • Employment letter

(For self-employed)

  • Certified financials
  • Latest Form 16
  • Last 3 months’ bank statement
  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement or balance sheet

Fees and Charges

Here are the standard fees and charges that apply to all IndusInd Bank Credit Cards:

Fee Type Amount
Joining/ Annual Fee Varies from one card variant to another
Finance Charges Up to 3.83% p.m. (46% p.a.)
Late Payment Fee For Outstanding Balance Fee
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 350
Rs. 1,001 to Rs. 10,000 Rs. 550
Rs. 10,001 to Rs. 25,000 Rs. 800
Rs. 25,001 to Rs. 50,000 Rs. 1,100
Above Rs. 50,000 Rs. 1,300

Consider a card's annual fee, joining fee, and best use while reviewing it.

Card Variant Joining Fee Annual Fee Best For
IndusInd Bank Indulge Credit Card ₹ 2,00,000 ₹ NIL Rewards
InterMiles IndusInd Bank Odyssey Credit Card ₹ 10,000 ₹ 4,000 Rewards
IndusInd Bank Legend Super Premium Credit Card ₹ 9,999 ₹ NIL Lifestyle and Travel
IndusInd Bank Platinum Credit Card ₹ 3,000 ₹ NIL Dining & Lifestyle
IndusInd Bank Platinum Aura Edge Credit Card ₹ 500 ₹ NIL Shopping
IndusInd Bank Duo Credit Card ₹ 249 ₹ Nil Rewards
Club Vistara IndusInd Bank Explorer Credit Card ₹ 40,000 ₹ 10,000 Travel
Intermiles Voyage Visa Credit Card ₹ 2,000 ₹ 2,000 Rewards
Suggested Read : Check 25 Best Credit Cards in India in April 2024 and find the right card as per your spending habits.

Features and Benefits of the IndusInd Bank Credit Cards

Welcome Benefits

Many welcome advantages are available with different credit cards when you sign up for an IndusInd Bank credit card membership. Gift cards, free movie tickets, additional Reward Points, free memberships to particular platforms, and many more advantages are included in this package.

Travel Benefits

Benefits offered by the IndusInd Credit Cards for travel include free access to airport lounges, savings on reservations for flights and hotels, free memberships to particular airlines and hotels, and much more.

Movie & Dining Benefits

Free movie tickets, exclusive dining discounts, and other interesting incentives are available with some of the Top IndusInd Credit Cards.

Reward Points/Cashback

Every time you make a purchase with any of the IndusInd Bank credit cards, you can earn reward points or cash back. These reward points, however, may be applicable to other credit cards and categories. In addition, you have a variety of ways to redeem the Reward Points you have earned.

Insurance Facility

You may get insurance, such as travel insurance, with a lot of credit cards. Many cardholders don't use these services because they are aware that they are protected. Before getting a credit card, it is best to get to know yourself with all of the features and read the terms and conditions.

Credit score improvement

Regularly paying off your credit card bill will raise your credit score. A credit card will help you raise your score in that area as well because credit score can be affected by different credit or credit mix.

Universal acceptance

Credit cards are accepted everywhere, unlike debit cards. When traveling abroad, you can make purchases with your credit card instead of looking for an ATM or currency exchange.

Instant Loan

Your credit limit is a source of credit that you can access right away without needing permission. In an emergency, this can be very useful. If you are unable to pay back your credit card account right away, you can also choose to have it converted to an EMI.

Non-expiring Reward Points

There is no expiration date on the reward points earned with the IndusInd Bank card. You can exchange them for cash or redeem them whenever you'd like.

Fuel Surcharge Waiver

In all petrol stations in India, the fuel surcharge is waived.

Airport Lounge Access

Free airport lounge access is available at a number of domestic and international airports.

Features of the Major IndusInd Bank Credit Cards

IndusInd Bank Platinum Aura Credit Card

An entry-level credit card that offers special bonuses and rewards on your purchases is the Platinum Aura card. To suit your demands, you can select from many kinds of reward schemes. You can get this card for free for life with advantages of travel insurance & 25 lakh in air accident coverage.

IndusInd Bank Duo Credit Card

Customers can enjoy the advantages of both a debit card and a credit card with the Duo credit card. They charge a small fee of Rs. 1500 from you. For every Rs 150 spent, you can receive up to 1 reward point. These reward points can be exchanged for a variety of redemption choices, including IndusMoments and statement balance. The main characteristics of the IndusInd Bank Duo credit card are Free Membership to Priority Pass, Benefit of Travel Insurance, 30 lakhs rupees in accidental air travel insurance coverage, Register for a Rs. 1000 gift card, BookMyShow is offering a Buy 1 Get 1 deal on movie tickets.

IndusInd Bank Legend Credit Card

The bank offers a premium credit card that is free for life called the IndusInd Bank Legend credit card. For every Rs. 100 spent during the week, you receive one reward point (RP) and for every Rs. 100 spent on the weekends, you receive two RPs. You also have a variety of redemption choices to use your earned reward points for. Also Spend Rs. 6 lakhs to earn up to 4000 bonus reward points, With BookMyShow, you can purchase one movie ticket and receive one, The 1.8% foreign markup fee is low, Free quarterly entrance to the lounge.

IndusInd Bank Indulge Credit Card

For clients who can afford it, IndusInd Bank offers a very high-end Visa credit card. One of this credit card's most fascinating characteristics is the 22K pure gold inlay design. The bank has not set a predetermined credit limit for this credit card. There are two membership plans available for the card: either pay a membership price of Rs 2,00,000 and avoid paying an annual fee, or pay a membership fee of Rs 1,00,000 and pay an annual fee of Rs 10,000. For every Rs. 100 spent on purchases made with this credit card, you will receive 1.5 reward points. You also have a variety of redemption choices when it comes to using your reward points.

IndusInd Bank Pioneer Heritage Credit Card

The world-class IndusInd Bank Pioneer Heritage credit card is one of the bank's offerings. Additionally, the card has a metal design that gives it a polished appearance. With this credit card, there is an annual fee of Rs 90,000. Spending Rs. 100 earns you 2.5 reward points, and for every Rs. 100 spent, you receive 1 reward point. As a welcome bonus, receive a Luxe gift card and an Oberoi gift ticket, When ordering movie tickets with BookMyShow, get one for free, 8 Free annual admission to domestic lounges, Eight Free visits to foreign lounges annually with a Lounge Key membership, Free lounge admission is available for both domestic and foreign travelers who have the Pioneer Heritage Metal credit card, 1.8% markup discount applied to the total transaction amount, A coverage against aviation accidents valued at Rs 2.5 crore.

IndusInd Bank Crest Credit Card

Another extremely expensive credit card provided by IndusInd Bank is the Crest credit card. High Networth Individuals (HNIs) are the ideal candidates for this card, which has a significant yearly charge. Similar to the Indulge credit card, there are two membership plans available for this card: either you pay a membership price of Rs 2,00,000 and pay no annual fees, or you pay a membership fee of Rs 1,00,000 and pay an annual fee of Rs 10,000. For every Rs 100 spent on foreign transactions, you receive 2.5 reward points, and for every Rs 100 spent on local purchases, you receive 1 reward point. 5 reward points are awarded for every Rs. 100 spent on foreign shopping, For every Rs 100 spent on domestic goods, earn 1 reward point, Two complimentary passes to the domestic lounge per calendar quarter, Two free passes to the international lounge via a lounge key membership, Exclusive meal savings are available to Club ITC Culinaire members, When purchasing movie tickets with BookMyShow, get one for free, 12 complimentary rounds of golf at green fees each year, Personal aviation accident insurance up to Rs 2.5 crores.

IndusInd InterMiles Voyage Visa Credit Card

The Intermiles Voyage Visa credit card is a Visa-powered travel credit card. There is an annual cost of Rs 2000 for the card. For every Rs 100 spent on hotel and travel, you receive 4 Intermiles. On weekdays, there are two Intermiles for every Rs 100 spent, six InterMiles for flights and hotel reservations, three InterMiles for weekends spent on other categories, and one InterMile for transactions involving insurance and utilities. 2000 Bonus Intermiles plus a discount coupon good for 750 rupees towards travel and 1500 rupees towards hotel reservations. BookMyShow is offering a Buy 1 Get 1 deal on movie tickets. Free rounds of golf at a few different Indian golf courses. A personal 25 lakh rupee air accident policy. 24/7 concierge assistance.

IndusInd Bank Pinnacle Credit Card

This card is another high-end product from IndusInd Bank that gives users special advantages and rewards on all purchases. Earn 2.5 reward points for online purchases, 1.5 reward points for travel and hotel reservations, and 0.70 reward points for all other purchases made with the IndusInd Bank Pinnacle credit card. There is an annual fee of Rs. 12,999 for the card.

IndusInd Bank Platinum Aura Edge Credit Card

A credit card that is free for life is the IndusInd Platinum Aura Credit Card. With this card, you may choose a reward plan based on how you spend money and earn up to 4 Saving Points for every Rs. 100 spent. Furthermore, the Platinum Aura Credit Card is a fantastic entry-level credit card option from the bank, featuring an exceptional welcome and travel advantages.

IndusInd Celesta Credit Card

For those who travel domestically frequently, the IndusInd Celesta Credit Card is a wonderful option because it provides unlimited free access to domestic airport lounges. But this card doesn't grant you free access to worldwide  lounges.

IndusInd Pioneer Heritage Metal Credit Card

The Pioneer Heritage Metal credit card, the most expensive option, offers attractive advantages in a number of different categories. When it comes to travel benefits, this card gives you unlimited access to both domestic and foreign airport lounges. You can therefore choose how often you want to enhance the luxury of your vacation experiences.

How to Activate IndusInd Bank Credit Card?

It is necessary to activate your IndusInd Bank credit card as soon as you receive it before making any purchases with it. The online and offline methods listed below can be used to activate IndusInd credit cards:

  • Sign in to your IndusInd online banking account. You will see the option to Set a PIN under the Credit Cards section after logging in.
  • Using the IndusMobile app, activate your IndusInd Bank credit card. After logging in to the app, navigate to the Credit Cards area and select the "Credit Card Service Request" page to access the credit card PIN generating option.
  • You can visit the closest IndusInd branch to activate your credit card, and ask bank employees to help you with the process.
  • Reaching out to IndusInd Bank customer service is an additional method of activating your credit card. Simply give them a call and request assistance with the activation from the bank executives.

How to Redeem IndusInd Bank Credit Card Reward Points

The IndusInd Bank Credit Card Reward Points can be redeemed as follows:

Step 1: Choose your credit card type by going to the official website. Step 2: Open your credit card account and log in. Step 3: After that, pick "Redeem" and look through the categories to find the ideal present. Step 4: Fill your cart with the selected items or gift cards and check out. Step 5: To finish the transaction, enter your credit card information.

IndusInd Bank Credit Card Bill Payment

It's essential to pay credit card bills on time. The IndusInd bank offers a number of ways to pay your credit card bill for this. NEFT, RTGS, netbanking, mobile banking, online via the bank's website, cash, check, or DD are a few ways to pay your credit card bill.

Closure or Cancellation of Your IndusInd Bank Credit Card

IndusInd Bank offers two methods for officially requesting the closure of your credit card: submitting a paper application to the closest bank branch or calling the bank's 24/7 customer service line at 1860 267 7777.

IndusInd Bank Credit Card Balance Check

Due to financial difficulties or forgetting the due date, credit card bill payment failures occur. Regular credit card payments can help prevent this. A credit card balance inquiry can be made using a number of options offered by IndusInd bank. The ways to access them include through mobile apps, ATMs, customer service, netbanking, SMS notifications, branch visits, and monthly statements.

IndusInd Credit Cards Login/Net Banking

Follow the instructions below to register for IndusInd Bank credit card net banking:

Step 1: Visit the IndusInd Netbanking website and select the login option. Step 2: Click the Proceed to IndusNet button now. Step 3: Next to "New User," on the page, click the credit card link. Step 4: After entering all the credit card information requested, click "Submit."

When is the Interest Rate Charged on the Credit Card of IndusInd Bank?

In addition to other activities and transactions, credit card interest is charged when the whole amount due is not paid by the due date.

Here are few situations:

  • In case you made a cash withdrawal using your credit card.
  • If you have only paid the minimum amount due, a percentage of the total outstanding amount will be carried over to the next billing cycle.
  • Your bank may charge you extra or in foreign currency when you use your credit card abroad.
  • You will be charged additional fees and a late penalty if you fail to pay the minimum balance before the due date.

IndusInd Bank Credit Card Interest-Free Period

The IndusInd Bank Credit Card has a 50-day interest-free period. The interest-free period will not apply if the entire amount due is not paid in full. There won't be any interest or loan fees applied to the remaining amount during this time.

How to Track Your IndusInd Bank Credit Card Application?

Credit card applicants can follow the status of their application by contacting the bank at 1860 267 7777. Once your application has been processed, the Bank will send you an SMS with the results to the mobile number you gave on the application form. You may also ask about the status of your application by going to the IndusInd branch that is closest to you.

IndusInd Bank Credit Card Balance Transfer

IndusInd Bank provides a credit card balance transfer service that enables you to combine the balances due on many credit cards into a single account. But be aware that there will be a processing fee that the bank will charge you.

IndusInd Bank Credit Cards Customer Care

You can use the information below to contact the bank's customer service with any concerns, grievances, inquiries, or questions.

  • For any type of credit card-related question or grievance, IndusInd Bank has a dedicated customer service number. If you have any questions or would like to file a complaint, give 1860 267 7777 a call.
  • Customers outside of India can reach the phone banking number 022-42207777.
  • Additionally, you may send IndusInd Bank an email. An email acknowledging the same will be sent to you as well. The head.cardservices@indusind.com email address is the address.

Apply for Top IndusInd Credit Cards with MybankingTips

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FAQs

You can check the status of your application by going to the bank's official website. To see your card's current status, you must enter your application number. In addition, you can get in touch with the bank's customer service department and inquire about the progress of your credit card application. You can also speak with an executive about the same by going to any of the bank's closest branches.

You can pay your IndusInd Credit Card bills via both online and offline modes. To make IndusInd Bank Credit Card payment online, you can use facilities like NEFT, internet banking, mobile banking, set an auto-debit payment mode and NACH. For offline mode, you can visit any of the nearest branches of the bank and pay via cheque or cash.

Yes, most of credit cards come with the option to add additional cards from the bank. Applying for one of the five add-on cards is possible for the regular credit cards that IndusInd Bank offers. Most add-on cardholders will enjoy the same benefits and advantages as core credit cardholders. Furthermore, there are no yearly fees associated with the majority of the add-on cards.

You can use the IndusInd Bank official website to update your address online for your credit card. To update the address on your credit card, use mobile or online banking. You might be required to upload scanned copies of your new address proof online when changing your address. As an alternative, you can get an address update by calling IndusInd Bank customer service.

You can visit the bank's rewards portal to redeem your IndusInd Credit Card reward points. You must choose the preferred category after logging in before redeeming reward points. Your IndusInd Credit Card reward points can be redeemed for cash, InterMiles, merchandise from the rewards catalog, reservations for travel and lodging, and a lot more.

Applying for a credit card online can be done using our platform by following the above instructions, or you can use the bank's official website. In addition, you can apply offline by going to any of the bank's closest branches. All you have to do is send in an application that is properly completed and the necessary paperwork.

Sure, you can examine your credit card's available outstanding balance. To do this, enter your credit card information into IndusInd Bank's online banking system and log in to see your outstanding balance. You can also use the SMS or smartphone app to check your remaining balance.

A credit card may have a 20–40 day billing cycle. At the end of each payment cycle, a credit card statement is generated and emailed to your registered ID or physical sent to your communication address, if that is what you have chosen. Paying with your IndusInd Bank Credit Card before the due date will help you avoid paying additional fees.

You can use net banking or mobile banking to activate your IndusInd Bank credit card online. To generate a credit card PIN, navigate to the "Credit Card" area of the net banking portal or mobile app, log in, and click. To activate your card, you can also get in touch with the bank's customer service department and follow the IVR's instructions.

The bank provides cardholders with EMI, cashback, and discount offers in a variety of sectors, including dining, travel, and retail. These might differ and change regularly between cards.

The bank's online banking platform makes it simple to check the balance on your credit card. You can check the balance on your credit card by using the IndusInd bank mobile app.

Through the IndusInd bank web site, customers can get full credit card statements. Customers can also request frequent statements from the bank using the online banking platform.

The billing cycle for an IndusInd Bank credit card is 20–40 days.

Depending on their remaining credit limit, IndusInd Bank clients also have the option to use their credit cards to apply for a pre-approved Indus Easy Loan.

Yes, you may apply for an IndusInd Bank Classic Credit Card with up to five add-on cards.

Within 45 days of the purchase, a client can convert high-value credit card purchases into simple monthly installments with the use of the Indus Easy EMI option.

It is true that IndusInd Bank clients can use their credit card details to create an online IndusInd Netbanking account. Usually, these accounts are set up with a transaction password and a login.

You can easily check the balance on your credit card through the bank's internet banking portal. You can also use the IndusInd bank mobile app to check your credit card balance.

To be eligible for an IndusInd Bank credit card, one's net monthly income must be at least Rs 20,000.

You should speak with the customer service representative right away to block your credit card.

A minimum credit score of 750 is required for an individual.

Among the many advantages of having an IndusInd Bank credit card are the waiver of fuel surcharges, interesting incentives, cashback on purchases, and access to airport lounges.

Apply for IndusInd Bank Credit Cards

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