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IndusInd Bank
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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.

List of IndusInd Bank Credit Cards

About IndusInd Bank

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.

PREMIUM CARDS

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.

Features of IndusInd Bank’s Credit Card

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.

Apply for IndusInd Bank Credit Card

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
• Name
• 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.

How to apply of IndusInd Bank’s Credit Card via Offline?

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.

Eligibility Criteria to apply for IndusInd Bank’s Credit Card

• 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.

Documents Required for IndusInd Bank’s Credit Card

• 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.

IndusInd Bank Credit Card Login

Through IndusInd Bank Net Banking services, Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your credit card which is specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your IndusInd NetBanking Id and Password you can explore the benefits and offers anytime anywhere. Scroll down and get to know about the features and benefits of IndusInd Bank Credit Card Login and how to use it.

Features

  • With Indus Net get a wide range of services like No charges on funds transfer, online investments, get a wide range of offers on online shopping, locker booking and upgrading credit/debit cards, 40+ service requests are just a few of its many benefits.
  • With Indus Billpay service pay your credit card bills and more. The Indus Bill[pay service is free of charge for its users.

Benefits

  • Check your credit card score
  • Get 24x7 customer service
  • Check the status for newly applied credit card
  • Get access to track your lost or stolen credit card
  • Get access to credit card visa transfer feature
  • You can view/download your credit card statement
  • Get access to see your transaction limits and charges
  • Get notification about your next credit card payment date.
  • Applicants can make a secure login with face and touch id through IndusInd Mobile App
  • View and manage your reward points
  • Get all personalized alerts and reminders
  • Download PDF statement of your last 6 months spending history
  • Get notified on purchase and spends
  • View your recent transactions 24x7
  • Stay updated with your reward points balance
  • Get to know about your nearest Airport Lounge instantly
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Easily change your ATM PIN
  • Get access to special services like Cash on call, Dial on EMI
  • Get 100% online security on your card
  • Get access to credit card hotlisting
  • Manage your international travel details
  • Increase your credit limit and also upgrade your credit card.

How to Login/Register
For existing User

  • Go to the official site of IndusInd Bank
  • Now under the drop-down box of LOGIN/REGISTER which is located in the right side of the page, click on Login
  • On the next page, click on Continue to Indusnet
  • Now enter your Username and Password to login.

For New User

  • Go to the official site of IndusInd Bank
  • Now under the drop-down box of LOGIN/REGISTER which is located in the right side of the page, click on Register.
  • Now under the New User section, click on Credit Card.
  • On the next page, enter your credit card details like Credit Card Number, Card Verification Value or Card Security Code, Expiry date of your card and Date of birth.
  • Now enter the Captcha Code and click on submit.
  • On the next page Enter the User Id and Password as per your choice and click on submit to confirm it.
  • A successful message will appear on the screen, click on Login on the same page.
  • Login with your newly generated User Id/Password and start exploring.

IndusInd Bank Credit Card Payment

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. 

Types of Online mode for IndusInd Credit Card Payment

NetBanking

Billdesk

Visa Money Transfer

NEFT/RTGS/IMPS

Netbanking

  • Go the official site of IndusInd Bank.
  • Now login to your NetBanking Account
  • Under Fund Transfer, choose NEFT option.
  • Add your credit card as a beneficiary and the required details.
  • Under the drop-down box select IndusInd Bank.
  • Under the drop-down box of transfer fund, select “To Any VISA Card”
  • Choose the IndusInd account you want to transfer funds from.
  • Select the card you want to make a payment to.
  • Mention the transaction amount you want to pay
  • Confirm the transaction date
  • Approve the transaction and enter the password or OTP for validation.

Billdesk

  • Go to the official site of Billdesk
  • Now select your card type
  • Enter your IndusInd credit card details.
  • Now enter your valid Mobile Number and Email Id.
  • Enter the amount you want to pay.
  • Under the drop-down box select your bank account.
  • Now click on submit to go to the confirmation page
  • On the next page enter your authentication details (Net Banking User ID and Password of your Bank Account / Equivalent details)
  • Now confirm your payment amount and receive an online confirmation message on the screen and in your registered mobile number.

Visa Money Transfer

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.

  • Axis Bank
  • Barclays Bank
  • Canara Bank
  • Catholic Syrian Bank
  • Corporation Bank
  • Development Credit Bank
  • HDFC Bank
  • HSBC Bank
  • ICICI Bank
  • IDBI Bank
  • IndusInd Bank
  • Kotak Bank
  • State Bank of India
  • Standard Chartered Bank

Indusind Bank Credit Card Status

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 Online

  • Visit the Indusind bank credit card site
  • Under the drop-down box of Login select credit card and click on Login
  • Click on Continue to Indusnet
  • Enter your Username, Password and click on Login
  • Click on Track Application Status
  • Enter Application Id, Mobile Number and click on Submit
  • On the next page, you can see the status of your credit card

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.

  • Visit the Indusind bank credit card site
  • Under the drop-down box of Login select credit card and click on Login
  • Click on Continue to Indusnet
  • Enter your Username, Password and click on Login
  • Click on Track Application Status
  • On the next page, you have to enter your Air Way Bill Number on the required field.
  • After the successful verification of the Air Way Number, you can track the status of your credit card

Via Offline

Below two steps are the offline method to track IndusInd Credit Card Status for those who are not familiar with the online process

  • An applicant can directly call to the 24x7 customer support number 1860-500-5004 or 022-44066666. Provide your required details and know the status of your credit card.
  • Apart from this, an applicant can also go to the nearest IndusInd Bank with the Application Id. Meet with the credit card representative or bank employee provide your Application Id and track the status of your credit card

Via Date of Birth

  • An applicant can also track the status of their credit card with Date of Birth.
  • Go to the Indusind Bank Mobile Application
  • Go to the credit card section
  • Click on Track Your Credit Card
  • Enter your Date of Birth and click on Submit
  • Once the verification is complete you can see the status of your credit card.

Indusind Bank Credit Card Ifsc Code

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?

  • Visit the Indusind Bank Credit Card site and go to the page 'Payment NEFT / RTGS / IMPS Facility'
  • Here you can find the Ifsc Code of Indusind Bank
  • The code can also be found on a credit card related brochure which has been issued to the customer by the bank.

Advantages of Indusind Bank Credit Card Ifsc Code

  • Quite cost-effective
  • Give enhance security for paying dues
  • Reliable to use
  • Useful for those applicants who do not have a saving bank account in Indusind Bank
  • Very convenient to use
  • Hassle-free and transparent

How to add Indusind Credit Card as beneficiary?

  • Log-in to the Internet Banking facility of any bank
  • Go to the add beneficiary page
  • From the drop-down menu, select IndusInd Bank
  • Select your branch and ensure that the IFSC Code is INDB0000018
  • Provide your IndusInd Bank Credit Card Number on the required space

Below given details are required to add Indusind Credit Card as a beneficiary

  • Account number: Your 16 digit credit card number (without any space or special character)
  • Beneficiary name: Credit card Holder name
  • IndusInd Bank IFSC code: INDB0000018

How to Pay Credit Card Bills by IFSC Code?

  • Login to the Internet Banking Portal
  • Add your credit card as a beneficiary
  • After the successful activation initiate the transfer of funds through NEFT

Indusind Bank Credit Card Payment Billdesk

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

  • Manage your IndusInd credit card bills and expense records at one place.
  • Get convenient and hassle-free payment process
  • Make payments from any bank account
  • Set up auto-pay feature and reminders for your Indusind Credit Card bills
  • Track the dues of your Indusind Credit Card bills no matter where you are
  • Get 24x7 customer support, the applicant can call to 02242044801 or write to support@billdesk.com  to solve any Indusind credit card related queries.

How to pay Indusind Credit Card bill via 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

  • Enter your Indusind Credit Card number and email id
  • Enter the amount you wish to pay
  • From the drop-down section select the bank account you want to pay from.
  • Click on PAY to and you will be redirected to the payment gateway of your selected bank

Confirm your Payment

  • Enter your User Id and Password
  • Confirm your payment amount
  • Click on Login and your will account will be debited online
  • Your IndusInd Credit Card account would be credited within 3 working days. So it is suggested to the Indusind credit cardholders to make payments at least 3 working days before the payment due date.

Online Confirmation

  • After completing all the process you will get an online confirmation and a transaction reference number
  • You will get the transaction details on your registered mobile number
  • Also get an email acknowledgement for your transaction

What is a CIBIL Score?

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.

Who Computes the CIBIL Score?

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.

Good and Bad Score of CIBIL

 

CIBIL Score

 

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.

 

Indusind Credit Card Customer Care

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:

reachus@indusind.com   

FAQs

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.

  • Super Premium Credit Cards:- Indulge Credit Card, Crest Credit Card, Pinnacle Credit Card.
  • Premium Credit Cards:-Legend Credit Card, Signature Credit Card, Nexxt Credit Card, DUO card, Iconia Credit Card, Platinum Credit Card, Platinum Select Credit Card, Platinum Aura Credit Card, Platinum Aura Edge Credit Card.
  • Pioneer Credit Cards:- Pioneer Legacy Credit Card, Pioneer Heritage Credit Card.
  • Co-branded Credit Cards:- Thomas Cook Signature Credit Card, Thomas Cook Platinum Credit Card, WorldMiles Credit Card, Jet Airways IndusInd Bank Odyssey Credit Card, Jet Airways IndusInd Bank Voyage Credit Card, PAYBACK Credit Card.
  • Core Credit Cards:- Gold Credit Card, Classic Credit Card, Business Gold Credit Card.

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:

  • You can get a fuel surcharge discount of 2.5% at all petrol pumps in the country.
  • Enjoy your business and personal trips with numerous offers and access to more than 600 domestic as well as international airport lounges.
  • Get lost baggage insurance coverage of up to Rs 100,000.
  • Enjoy concierge services such as hotel reservation, exclusive booking, flight booking etc.
  • Get lost baggage insurance coverage of up to Rs 100,000.
  • You can avail auto assist services such as fuel supply, roadside repair, battery service, towing assistance, medical assistance etc.

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:

  • You can avail fuel surcharge waiver of 2.5% at all petrol pumps across the country.
  • Enjoy auto assist services such as battery service, towing assistance, medical assistance & accident management, fuel supply etc.
  • Get vouchers from Satya Paul as a welcome bonus, which can be redeemed at all of its stores across the country.
  • Get access to an enhanced travel assist program called Travel Plus.
    Get insurance protection against unauthorised transactions and fraud.

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.

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