In 2000, the IndusInd Bank signed a memorandum of understanding (MoU) with the HSBC, for issuing a global credit card under the MasterCard umbrella to its customers and launched the Global Credit Card. During 2011, the bank entered into an agreement with the German-based investment bank, Deutsche Bank to acquire its credit card business in India. In 2014, the bank entered into a strategic partnership with Jet Airways to launch the new Jet Airways IndusInd Bank Credit Cards to cater to the travel group of the customer base. In 2015, the IndusInd Bank launched the Chelsea FC Co-Brand Credit Card.
IndusInd is a new generation bank, established during 1994 with the primary objective of serving the NRI Community.
The bank was set up under the chairmanship of S.P. Hinduja.
It is a Mumbai based bank which has operations in 1,004 branches and 1,885 ATMs across 625 geographical locations.
The bank started its operations with an initial capital amount of Rs 1 billion. The bank was promoted by a group of Non-Resident Indians who contributed Rs 400 million as a part of the capital amount and the remaining Rs 600 million was raised by Indian Residents.
To live a Premium and prestigious lifestyle IndusInd Bank offers credit card facilities to our hand. Based on specific requirements the collection of Super Premium, Premium and Co-Branded credit cards are provided by the Indusind bank to keep us always desired and comfort.
SUPER PREMIUM CREDIT CARD
The Super Premium credit card is for them who is willing to take seamless advantages of credit cards.
Indulge credit card, Crest credit card, Celesta credit card and Pinnacle credit card comes under this category with unique services and advantages based on our needs.
This credit card charges an annual fee to cardholders but offers a wide range of specialized benefits like Travel insurance, Product warranties with an additional feature of cashback.
CO-BRANDED CREDIT CARD
It is a sponsored card by two parties generally a retailer and the card issuer. Co-Branded credit cards earn product discounts, points and other rewards when used in a retailer or departmental store. It is like a normal credit card and can be used anywhere but to issue a co-branded credit card. a retailer has to be a part of the financial sector which process debit or credit card on its behalf.
The following are the features of IndusInd Bank Credit Card:
• Balance Transfer – IndusInd Credit card provides its cardholder a unique facility to transfer the balance from one credit card to another or to transfer the amount to any other account.
• Personalized Offerings – IndusInd provides a customized credit card to match the needs and requirements of the individual customers.
• Loan against Card – IndusInd credit card provides loan against card without much of paperwork at the doorsteps of the customer on demand.
• Infinite Spending – IndusInd bank credit card empowers the user with a feature of NPSL (No pre-set spending limit). It means the cardholder will have additional spending flexibility over and above the base revolving credit limit providing the cardholder an extra cushion to spend over the defined credit limit.
• Discount Facilities – IndusInd Bank’s credit card has tie-ups with elite brands ranging from travel to dining and hence provides great discount facilities, cash back offers and reward points to all its customers around the year.
The advent of technology has helped the mankind in many ways. The benefits of the internet are innumerable in nature, one such way is this that it has reduced the requirement of an individual to physically go to the respective bank to apply for a credit card. Nowadays, the banks in India has given an opportunity for the individuals to apply for a credit card of their choice through online mode.
IndusInd Bank has also given an opportunity to its esteemed customers wherein they can apply for the required credit card through its web portal. Interested customers have to visit the web page of the IndusInd Bank. In the home page under I’m interested in section, move the cursor on Cards option which will show Credit Card. Now proceed further and select Credit Card. Here one can find all the credit cards offered by IndusInd Bank. Go through each and every credit card in this section to understand the requirements and eligibility of the credit card. Choose the card which suits your financial needs and requirements.
Now click on ‘Apply Now’ option, which will take you to another web page wherein the individual has to provide their basic information like
• Where do you live currently?
• When did you move to the current residence?
• Date of Birth
• Are you an existing Jet Privilege Member?
• Type of Employment
• Mobile Number
On providing the following information, the IndusInd Bank will provide you the list of credit cards which suits your needs and requirements. Now zero in on the best credit card and apply instantly.
On receiving the request from the customers, the IndusInd Bank executives will give a call to the customer and will ask them to submit the required documents. Upon the receipt of the required documents and the scrutiny of the same, the IndusInd Bank may or may not issue a credit card to the customer.
It is solely at the discretion of the IndusInd Bank to issue a credit card to a customer.
For Offline application – through the bank branch, you can visit the nearest IndusInd Bank and meet a credit card handling bank’s representative and express your interest to obtain a Credit Card of your choice after going through the various credit card variants. The representative will guide you through the application filling process, wherein you will be required to fill out the form and submit the required documents.
The bank will check whether the candidate is eligible to avail the credit card for which they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card, it will be on the discretion of the IndusInd Bank to decide if a customer has to be given Credit Card or not.
• To apply for IndusInd Bank’s Credit Card, the individual should be in the age bracket of 21 years to 65 years.
• The applicant should be a regular employee working in an established company or a self-employed professional managing own business.
• The individual should have a good CIBIL score.
• The applicant should be a resident of India or Non-Resident Indian.
• The applicant should have a regular source of income.
• One Identity Proof issued by the government of India – Election Voters ID, Driving License, Aadhaar Card, Passport, Ration Card.
• Proof of Income – Last 3 months salary slip or last 3 months bank statement.
• Duly filled in application form of IndusInd Bank Credit Card.
• Address Proof – Electricity Bill (latest or previous month), Phone Bill (latest or previous month), Rental agreement, Flat maintenance bill (latest or previous month), bank statement (latest or previous month), Passport, Driving License
• PAN Card.
• Passport size photograph.
Get double benefit of credit and debit card in one card. Two Magnetic Stripes & EMV Chips come with the IndusInd Bank Duo Card. Just swipe or enter the appropriate card details to experience the freedom of paying bills and cash withdrawal without caring multiple cards in your wallet on your go. The first card in the industry comes with combo benefits that enables you to experience privilege of both credit and debit card.
Key benefits of IndusInd Bank Duo Card
If you are using an IndusInd Bank Credit Card, you must have a PIN that is necessary for credit card transactions at POS machines and for cash withdrawals at ATMs. The PIN is a 4-digit code that has to be kept confidential for financial security purposes. If you don't have a PIN for your IndusInd Bank credit card, there are a few ways to set it up. Know the specifics of each of these procedures listed below and select the one that better suits you. IndusInd Bank Credit Card PIN will be sent to your submitted address at the time of issuance of your EMV Chip and PIN Credit Card. You may also contact IndusInd Bank Helpline number at 1860 267 7777 and submit a request to dispatch the PIN at your registered mailing address.
To create a PIN for your IndusInd Bank credit card via the IndusInd Bank mobile app, follow the steps below. To make use of this facility, your credit card should first be registered with your IndusInd Bank mobile app.
You may also choose for IndusNet-IndusInd Bank's net banking service to generate your IndusInd Bank credit card PIN conveniently. Do the following for generating the credit card PIN using this facility.
If you do not have internet connectivity or are unable to use it for some cause, you can call or send an email to the customer care executive for generating IndusInd Bank credit card PIN. The service is accessible 24X7 for your convenience.
IndusInd Bank credit card customer care email- firstname.lastname@example.org
IndusInd Bank credit card customer care number- 1860 267 7777
It is recommended that you must not share your credit card PIN or credentials with others. By following the below given factors you can keep your credit card secure.
If you need more assistance or security for the credit card, call the customer care executive and follow all the instructions to secure your card.
Credit card statements should be carefully checked as they can sometimes contain errors. There may be major or minor errors. Errors in your credit card statements can be resolved. Use the following tips:
Keep your purchase receipts ready and compare them with the billing statement. An adjustment operation must be carried out in the history of taking account of deviations. Errors in the statements must be reported to the merchants concerned. They will solve the problems for you. Complaints should be brought to the attention of IndusInd Bank if merchants fail to resolve your complaints.
Types of errors in a credit card statement:
A credit card statement can contain two types of errors: 1) personal details and 2) financial details. Personal details include the name, mobile number, email address and billing address of a credit card user. Financial details include transaction date, transaction amount, actual payment made, transaction summary, account summary, merchant details, etc.
By utilizing your net banking ID and Password, sign in to the Indusind Credit Card net banking platform and manage your credit card more conveniently. To know the process of login, please follow the below-listed steps.
For existing User
For New User
IndusInd provides various way to pay your dues. Cardholders can go through online as well as offline mode to make the payment. The bank also offers NetBanking, Cheque, Demand Draft option.
The Visa Money Transfer (VMT) facility lets you transfer funds online from your other bank accounts to pay your monthly outstanding bill of your IndusInd Bank Visa Credit Card. Below listed banks provide outbound VMT facilities.
Process to IndusInd Credit Card Payment via Visa Money Transfer
You can make the payment using the IndusInd Mobile Banking App by following the below steps:
Unified Payments Interface ( UPI) is a transfer of funds process that can be used for paying credit card bills. To allow the transfer of funds one needs a VPA Virtual Payment Address, or account number, and IFSC Code.
One time registration
You must register yourself by following the below steps to use this facility.
You can enable your payment by credit card from any bank that provides NEFT / RTGS / IMPS facilities on their Internet banking. This service is an alternate comfort for credit cardholders of IndusInd Bank who do not have a savings account with IndusInd Bank. Below given is the process to initiate a payment and to add your credit card as a beneficiary.
Note: While utilizing NEFT / RTGS / IMPS facility you must be sure that you enter correctly the following details when transferring funds to make your credit card bill payment
Paytm has made it possible and seamless to pay online credit card bills via its website and mobile app. By using Paytm you can clear your IndusInd Credit Card dues without leaving your comfort. Follow the below-listed steps to know the payment procedure.
IndusInd Credit Card payment options at Paytm
How to pay IndusInd Credit Card bills at Paytm?
Below are the offlline credit card payment methods of IndusInd Bank
To pay the unpaid dues on your credit card, you can submit a wire transfer from every local branch abroad. IndusInd Bank is an affiliate of the SWIFT Organization (Society for Worldwide Interbank Financial Telecommunication) and is collaborating with over 250 of the largest banks in the world. To trigger the transfer please follow the below-listed steps.
ATM Fund Transfer
NACH, widely known as the National Automated Clearing House, is a service that helps you to send money from your savings account into your card account electronically. NACH automatically deducted from your account and execute it towards the payment of your credit card bill.
Auto Debit facility
No need to worry about forgetting the due date of your credit card. Through Auto Debit facility you can conveniently pay your credit card dues from your comfort.
IndusInd Bank provides you with tons of options to get your credit card statement. You can access your monthly credit card statement via the below-listed services anytime anywhere.
Now getting credit card payment status is more convenient and handy. The IndusInd Bank SMS alert service helps you to receive SMS alerts to update your outstanding payment, payment due date and verify your payment receipt.
Monthly Physical Statements
Monthly IndusInd Bank Credit Card physical statement gives you the detailed information of all received payments and transactions of the statement cycle. Through the physical statement, you can get the details of all international and domestic transactions performed by you or add-on member.
IndusInd Bank Phone Banking IVR
To get full information on your card, you can call our 24-hour Phone Banking Number at 1860 500 5004. You can use IndusInd Bank Phone Banking IVR service for:
CFD E-Mandate is a payment service that allows you to make automate recurring payments from any bank account. This payment option is regulated and managed by NPCI. The facility is digital and stable, all of your funds are credited to your IndusInd Bank account automatically. By setting up an automatic transfer with E-Mandate you are eligible to transfer funds from another bank account to your IndusInd Bank account.
Key Benefits of CFD E-Mandate
Why it is necessary to set-up an E-Mandate?
How to cancel an E-Mandate?
It's easy to cancel a CFD e-mandate, you only need to visit any IndusInd branch and submit a E-Mandate Form .
Once an applicant has applied for Indusind credit card, he/she can track the status of the credit card via online and offline mode. After filling all the details on the bank's website applicant can avail an application id through which the status of the credit card can be tracked. Below mentioned are the methods for online and offline process. Scroll down and go through all the process.
Via Airway Bill Number
After the successful approval of your Indusind Credit Card application, you will receive a letter with the Air Way Bill Number of the shipment with the credit card. Through the Air Way Bill Number, you can track the status of the credit card.
Below two steps are the offline method to track IndusInd Credit Card Status for those who are not familiar with the online process
Via Date of Birth
With your relation with IndusInd Bank, you can now get details about your account statement at your convenience. Choose to download your monthly/quarterly savings or current account summary online in an all-new PDF format at your registered e-mail address. You can download your online statements for future reference, to print, store and archive. It is totally user friendly. E-mail statements are an online delivery of the monthly or quarterly statements, eliminating the mailed paper statements. This service comes FREE of cost to you and is just another step to enhance customer's experience by IndusInd Bank.
All types of credit cardholders can avail this online facility, To register download and submit the Mobile Banking Registration form and send it to your branch or call our Customer Support Center at 1860 500 5004 (Free Toll MTNL / BSNL) or 022-4406 6666
Below listed are the online methods to get IndusInd Credit Card statement.
IndusInd Mobile App
To download the IndusInd Credit Card statement via offline methods, please follow the below-given instructions.
Customer Care Service:
Nearest IndusInd Branch
The IFSC Code for Indusind credit card payments is INDB0000018. The first 3 letters “IND” are used to refer the bank's name and the zero is useful for future. The character 000018 were named in such a way that it helps to identify a particular branch of Indusind Bank. To use this key for credit card payments, the cardholder may trigger a transfer of funds after the registration process for the payee/beneficiary.
How to Know Indusind Bank Credit Card Ifsc Code?
How to add Indusind Credit Card as beneficiary?
Below given details are required to add Indusind Credit Card as a beneficiary
How to Pay Credit Card Bills by IFSC Code?
Through billdesk service, you can pay your credit card bills from any bank account. Billdesk allows applicants to pay their credit card bill quickly and conveniently No need to visit the bank or to write cheques. Simply log in with your account and complete your payment process.
Benefits of Indusind Bank Credit Card Billdesk
Applicants can make payments to their Indusind Credit Card in 3 easy steps. Scroll down and go through all the steps to make your payment complete
Enter your Indusind Credit Card payment details
Confirm your Payment
IndusInd Bank is the one that offers you more than the standards. To enhance your banking experience IndusInd Reward Program has been crafted to make your spending habits more exciting. With the choice of Savings Accounts from IndusInd Bank, in addition to the flexibility of accessing your account anytime, wherever, the 'Indus Rewards' program benefits you for your spending.
Rewards Points According to the IndusInd Credit Card
Now use IndusAssist with Amazon's Alexa to speak the language of choice. This allows you to check the balance of your account, transfer funds, pay your IndusInd credit card bills, and more by speaking to Alexa. Recently, Active. Ai collaborated with IndusInd Bank, enabling them with colloquial AI by utilizing the Triniti, AI Platform. The financial institution is now facilitated with AI-based Alexa Skill – 'IndusAssist' – which allows its customers to perform non - financial and financial banking transactions using voice-based instructions on Amazon Echo and other Alexa-supported devices. IndusInd account holders will need to use the Alexa app on their smartphone to initiate a one-time enrollment process to link their bank details.
Pre-registration, all requests for authentication and transaction will remain voice-based, thus giving consumers a more interactive banking experience. By completing the one-time registration, customers can recharge their mobile, pay credit card outstanding dues, simply through a voice command such as "Alexa, ask IndusAssist to recharge my mobile number," "Alexa, ask IndusAssist to pay my credit card bill." Supported with the voice-based framework, IndusInd Bank can now facilitate its customers to easily and efficiently initiate voice-based banking transactions such as fund transfer, bill payments, recharges, account information and much more.
What are the services you can access using your voice?
If you don’t have any specific choices to access the services on Alexa, below listed are some recommendations that you can use to start with. First, be sure to trigger IndusAssist skill.
Process to link your IndusInd bank account with your Alexa device
To get started tap your Alexa App or log in to your Amazon account and activate the IndusAssist skill. After that follow the below-given steps to to link your IndusInd bank account with your Alexa device.
A CIBIL score is a three-digit numeric summary of an individuals credit history. This score is derived using the credit history which can be found in the CIBIL report also referred to as credit information report (CIR). A CIR informs an individuals credit payment history be it with credit institutions or loans over some time though the report does not contain any information related to individuals savings, fixed deposits or any other kind of investments.
The CIBIL score is calculated based on the credit behaviour which is reflected as the Accounts and “Enquiries section of your CIR and it usually ranges between 300 – 900. A score which is above 700 is usually considered as a good one. A high CIBIL score denotes an excellent financial discipline and an individuals integrity. A good CIBIL score comes in handy at the time of applying for a loan or credit card.
The TransUnion CIBIL which plays the role of a Credit Bureau or Credit information company computes the CIBIL score of individuals. The entity was set up in 2000. CIBIL score will be calculated based on the consumer information which is stored in their repository.
Meaning of CIBIL Score
|300 – 500||
It is a poor score and indicates too many discrepancies in past for loan payments that it cannot be ignored. Until and unless an individual works on credit improvements or repair, it is not possible to secure a loan from any bank.
|500 – 700||
This range shows that you have either delayed or defaulted a few times in the past. It is difficult to obtain a personal loan with this score and a private lender may levy hefty interest rates.
|700 – 750||
This one is a good score for secured loans. In the case of unsecured ones, the banks might investigate further (social score) or impose marginally higher rates.
|750 – 850||
More than 79% of loan sanctions are successfully done for those who have a CIBIL score of 750+. A score above 800 is considered high and one can even easily ask for a lower rate of interest in case of personal loans and credit cards.
|850 – 900||
This is an excellent score and it shows that the individual has never defaulted even once.
Call on the below-given toll-free number to solve your any credit card related query.
1860 500 5004
Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:
Q: What are the types of credit cards available in IndusInd bank?
A: The Credit cards offered by IndusInd Bank are specially designed to meet customers needs and wants. Here are some credit cards listed below.
Q: Can I avail loans using my IndusInd Bank credit cards?
A: Yes, you can avail loan based on your credit card. IndusInd Bank customers have the additional privilege of availing a pre-approved Indus Easy Loan using their credit cards, depending on their unutilized credit limit.
Q: What are the annual charges of IndusInd Bank Credit Cards?
A: The annual charges depends on your credit card. Apart from Platinum Select, Jet Airways IndusInd Bank Odessey Credit Card and Jet Airways IndusInd Bank Voyage Credit Card all the other credit cards have nil annual fee and the joining fee starts from Rs.249.
Q: What are the benefits of IndusInd Bank Iconia Credit Card?
A: If you are looking for best offers that will satisfy every aspect of your lifestyle, you can go for the Iconia Credit Card from IndusInd Bank.
Features and Benefits of IndusInd Bank Iconia Credit Card are presented below:
Q: What are the benefits of IndusInd Bank Platinum Select Credit Card?
A: The Platinum Select Credit Card from IndusInd Bank comes with attractive benefits that make it ideal for people with premium lifestyles.
Features and Benefits of IndusInd Bank Platinum Select Credit Card:
Q: What is IndusInd Bank Indulge Credit Card?
A: An IndusInd Indulge credit card is one of a kind of credit card, with a pure 22k gold inlay, this card caters to the elite with no pre-set spending limit set by the bank. Indulge like never before with personalized chefs, chartered planes and yachts, art advisory services and much more using IndusInd Bank Indulge Credit Cards. An IndusInd Indulge credit card redefines success and leadership in a new way.
Q: How many add-on credit cards are available in IndusInd bank?
A: One can apply for 5 add on cards only on the Classic credit cards offered by IndusInd Bank. The add on cardholders will mostly have the same benefits and privileges that of Primary credit card and the credit limit will be the same. The SMS will go to primary cardholders mobile number only while using the credit card.
Q: How does a WorldMiles Credit Card useful to a traveller?
A: IndusInd bank has specially designed WorldMiles Credit Card for air travellers. Customers can earn FlightMiles with every journey they undertake to any city across India. WorldMiles can be redeemed for free air tickets on any airline in India without any taxes or hidden charges. FlightMiles earned will be calculated based on the percentage of the fuel fare that a customer pays to travel between two cities.
Q: What is the CVV number?
A: The CVV Number (Card Verification Value) is a 3 digit number mentioned on the back side of your credit card on the right side of the signature panel. This 3 digit number is an essential part of the verification process especially in case of online transactions. The CVV number should not be disclosed to anyone at any of the circumstances.
Q: What are the charges of IndusInd bank credit cards?
A: The charges levied by the bank on credit card varies from one card to another card. Some of the common charges are as follows:- joining fee, annual fee, duplicate statement fee, late payment charge, cash withdrawal fee, service tax, ECS or cheque return charges, over-limit charges.