IndusInd Bank Credit Cards

IndusInd Bank credit cards are equipped with best-in-class features that help you manage your finances while you enjoy a hassle-free payment experience. Among the features are high rewards, fee and fuel surcharge waivers, cashbacks, airport lounge access, reward points, and more. Moreover, these lifetime-free credit cards let you enjoy card benefits without annual fee burdens.

Check out their details below:

Disclaimer: The fees and benefits mentioned may change as per the policies of the issuer. Check them before you apply.

From accelerated rewards to low forex charges, these credit cards offer many perks. Get a glimpse of the benefits here: 

IndusInd Bank Legend Credit Card

• Get air accident cover of up to ₹25 Lakhs

• Get a monthly buy one, get one free offer on movie tickets via BookMyShow

• Enjoy 4,000 bonus points that never expire on spending ₹6 Lakhs or more annually

IndusInd Bank Platinum Master Credit Card

• Earn 1.5 reward points per ₹150 spent on eligible purchases

• Enjoy a joining bonus of shopping vouchers from Amazon, Uber, and more 

• Get an add-on business credit card to manage business-specific spends separately

IndusInd Bank Platinum Aura Edge Credit Card

• Benefit from 8X reward points on purchases under eligible categories like home and travel

• Enjoy welcome vouchers from Flipkart, Ola, and more

• Get a fuel surcharge waiver every month up to ₹100

The IndusMoments rewards program allows you to redeem the points you earn using your credit card, easily. It gives you choices across categories, such as hotel bookings, vouchers, electronics, and more. 

The redemption value of points differs from card to card, and here are some important pointers to note:

• You can redeem points for merchandise, vouchers, air miles or cash (as statement credit)

• There is no expiry date on reward points, so you can use them as long as the credit card is active 

• You can combine points with the credit limit of your card to shop from the rewards portal 

• The cash value of points ranges from ₹0.40 to ₹0.50 per point 

• The non-cash value of points ranges up to ₹0.75 per point 

• You can convert points into Club Vistara points or InterMiles

• A reward redemption fee of ₹100 is applicable on most redemptions 

The terms to qualify for one card from the same issuer may differ from another, so check the specific criteria before you apply. To position yourself for fast approval, check the general eligibility requirements of IndusInd Bank.

To qualify, you need to be:

• An Indian citizen 

• Aged between 18 and 75 years 

• Creditworthy, with a good credit score

• Salaried or self-employed professional with regular income

Make sure to keep the needed documents on hand to enjoy a stress-free application process. IndusInd Bank requires these to verify your eligibility while no physical documentation is requested.. Here is the general list of documents you will need:

• Identity Proof:

  • PAN Card

• Address Proof:

  • Aadhaar Card

  • Current address proof if the address on your Aadhaar Card is different

• Income Proof (any 1):

  • 3 months bank statement

  • Salary slips (past 2- 3 months)

  • Form 16 or audited financials for the last 2 years (if self-employed) 

Whether you want to get the Legend or the Platinum Master Credit Card, applying online is quick and safe. Follow the steps outlined below to apply on Bajaj Markets and submit your application in minutes:

1. Click on ‘Check Eligibility’ and add your phone number, date of birth, occupation, and other details

2. Enter the One-Time Password (OTP) sent to your phone number

3. Verify the pre-filled details like your PAN card number, residential PIN code, email address, and income information

4. Apply for the card that suits your needs from the available options

5. Click on ‘Submit’ to complete your application

Set up in 1994, IndusInd Bank is one of the biggest private sector lenders in the country. It offers a wide range of cards to suit different spending patterns and lifestyles. The issuer is one of the few in India to offer lifetime-free cards with world-class features.

 Its WhatsApp banking services allow you to manage your card better and its reward points never expire. It has exclusive tie-ups across a range of brands like TATA, Titan, LG, BigBasket, and more to help you save on a range of purchases. 

Payment Networks Available on IndusInd Bank Credit Cards

Most of the IndusInd Bank credit card variants available on Bajaj Markets are hosted on the Mastercard and VISA payment network. Since their features are similar, choose a credit card for its rewards by assessing them against your spending habits. 

The actual charges will vary based on your individual use and card variant. However, these are a few charges you can expect to incur while opting for an IndusInd Bank Credit Card: 

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC).

To address queries related to your credit card, reach out to the issuer’s customer care:

• Call 1860 267 7777, 022 68577777, 022 44066666, and 022 42207777

After applying for the IndusInd Bank Credit Card and getting an approval, make sure you activate it. You can complete this process by following the below steps:

1. Log in to the IndusInd Bank service page online and access your account 

2. Download the IndusMobile app, link your credit card to it, and generate a pin via OTP

If you have a credit card from this bank and want to close your account, you can do so. However, keep the below points in mind.

1. First, keep in mind that closing a credit card account will also terminate all the benefits you get from it. 

2. Since you will no longer be able to use the card, your credit score and purchasing power may be impacted. When you are ready to get a new card, be sure to compare options on Bajaj Markets.

3. To get started, submit your card account termination request. You can either call the helpline or send an email on creditcard.closure@indusind.com. 

4. The bank will only cancel your card if you have cleared all outstanding dues. Ensure that you redeem all the reward points too. 

3. The issuer may also withdraw your card benefits if you do not use it for more than 90 days and do not respond to their communications.

If you default on bill payments, the bank will send you reminders from time to time to settle all outstanding bills. This will be done either by post, fax, telephone, email, or SMS. It may also appoint third parties to remind, follow up, and collect these dues from you. 

These parties will adhere to the debt collection code of conduct. The bank will give you a grace period of 3 days after the payment due date, after which it will report the default to a credit information company. If you clear your overdue balance after being reported as a defaulter, the issuer will update the status in 30 days.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.