Indusind Bank
  • Indusind Bank 0 / 5.0 from 0 users

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Best Indusind Bank Lifestyle Card: Indusind Bank Indulge Credit Card


Benefits

It is the best premium credit card Indusind Bank has to offer. The card comes with exclusive lifestyle benefits such as premium golf privileges, VIP access to art fairs and museums and dining experience with celebrity chefs. Apart from it, you get annual benefits of up to Rs. 7200 on movies, flat 20% discount on theatre and events along with upto 8 premium lounge access in a year.

Moreover, the card comes with low APR of only 21.48% along with reward value of Rs. 1.5 on each eligible spend, and insurance protection plan and premium concierge service. Apart from it, you get special benefits from VISA such as domestic lounge access, Rs. 300 discount on each movie ticket expense, and a maximum of Rs. 2,600 discount annually on non-movie expenses.

Drawbacks

Being the best premium credit card offered by Indusind Bank, the card is still weak in terms of international travel. You don’t get any concession in foreign currency conversion markup.

Moreover, the joining fee ranging from Rs. 1 Lac to Rs. 2 Lacs whereas the annual charges ranging from nil to upto Rs. 10,000.

Bottom Line

The card is pretty exclusive in terms of lifestyle benefits and privileges. However, it comes with a pretty high annual charges and eligibility criteria, making it suitable for high net-worth individuals only.

Best Indusind Bank Cards for Family: Indusind Bank Platinum Select Credit Card


Benefits

The card welcomes you with e-gift vouchers from MakeMyTrip and EazyDiner along Satya Paul gift on joining. Moreover, you get monthly benefits on movies worth upto Rs. 400 along with premium premium lounge access and travel protection cover.

Apart from it, you earn reward points worth Rs. 0.75 against each eligible expense, which you can redeem for gifts from the catalogue, stays at luxury hotels, airmiles at partner airlines, at luxury retail stores and cash credit.

Drawbacks

The reward value offered on the card is not good, with reward points worth Rs. 0.75 against each Rs. 100 spent, making it weak on reward points earning. Moreover, it doesn’t offer any incremental reward benefits.

Bottom Line

This card comes with a joining fee of Rs. 999 and renewal fee of only Rs. 200, which is cheap as compared to platinum cards offered by other competitor banks such as SBI, HDFC, ICICI Bank. The ordinary reward value is something you should consider before applying for the card; though, the reward rate is still high against it peers except in case of incremental reward points benefits.

Best Indusind Bank Cards for Travel: Indusind Bank Jet Airways Odyssey Credit Card


Benefits

It is a Jet Airways co-branded credit card, which comes with complimentary JetPrivilege Blue tier membership and one-way base fare waived domestic flight ticket. Apart from that, you also get some lifestyle benefits like free golf games, air accident cover, and 24/7 concierge desk.

On American Express variant , you earn incremental JPMiles worth up to Rs. 3 on each eligible transaction along with movie benefits of upto Rs. 400 from BookMyShow/Satyam Cinemas each month and complimentary access to American Express airport lounges.

On VISA variant , you earn incremental JPMiles worth up to Rs. 1.50 on each eligible transaction along with movie benefits of upto Rs. 400 from BookMyShow/Satyam Cinemas each month and complementary priority pass international lounge access, visa domestic lounge access and travel insurance protection plan.

Drawbacks

The reward benefits on eligible transactions are subcategorized into Weekdays and Weekends, giving you more benefits on weekends (Saturday and Sunday only) expenses while you earn less reward value of weekdays (Monday to Friday), limiting the reward earning to an extent during weekdays when you travel a lot due to personal or business reasons.

Bottom Line

The card comes with a choice of card network selection from the two – American Express and VISA, offering better value on VISA card then AMEX variant. However, it comes with a high joining fee of Rs. 10,000 and renewal fee of Rs. 4,000. You have to be a frequent traveler in order to get the equal benefits to the money you are paying for the card.

Best Indusind Bank Credit Card for Frequent Spenders: Indusind Bank Platinum Aura Edge Credit Card


Benefits

The card offers great value on joining, with e-gift vouchers from MakeMyTrip and EazyDiner and multiple instant gift vouchers from popular brands like ALDO, William Penn, Armani, Titan, Pantaloons, Hidesign, Woodland and Yatra. Moreover, you get complimentary access to premium international lounges as well domestic airport lounges along with travel protection plan.

The card offers great value depending upon the reward points earning plan you choose. You can choose from Shop Plan, Home Plan, Travel Plan and Party Plan, each giving a incremental reward value of upto Rs. 2 and earn high reward value according to your spending style. The shop plan offers great value on departmental store expenses along with consumer durables and electronics, restaurants bills and books. Whereas the home plan offers great value on grocery expenses along with telephone bills, electricity bills, insurance premiums, and medical expenses.

Under Travel Plan, you earn good incremental reward value on hotel expenses along with flight tickets, car rentals, and rail tickets. Apart from it, you can either choose Party Plan which offers good incremental reward value on restaurant bills along with departmental store expenses, bills in bars and pubs, and movie tickets purchases.

Drawbacks

Though the incremental reward value is good, the regular reward rate is equal to Rs. 0.50 which is pretty average. Moreover, the card comes with high joining fee of Rs. 5,000 and you have to pay a cost of Rs. 250 if you switch from one savings plan to another.

Bottom Line

The card offers great value of welcome gift vouchers and a pretty good value if you are frequent spender who spends mostly on some specific category. The card can be a burden on your pocket in the first year. However, the renewal fee is nil, which makes it more beneficial for the cardholder from the 2nd and consecutive membership years.

Indusind Bank Credit Card Eligibility


Eligibility Criteria
Age 21 to 60 Years
For Primary Cardholder
Minimum 18 Years
For Add-on Cardholder
  • The minimum age of an applicant should not be less than 21 years.
  • The maximum age of an applicant should not be more than 60 years.
  • The minimum age of an add-on cardholder should not be less than 18 years.

Indusind Bank Credit Card Documentation


For Salaried:

  • Salary Slip / Certificates
  • Last 6 months’ Bank Account Statement
  • KYC Documents
  • Form 16 / ITR

For Self-Employed:

  • Business Proof
  • Business Account and P&L Account Statement
  • Income Tax Returns
  • KYC Documents

Indusind Bank Credit Card Bill Payment


Indusind Bank offers multiple methods to pay indusind credit card bills on time. These methods include both online as well as offline methods. Here are the different ways to pay your Axis Bank Credit Card Bills Online as well as Offline.

Pay IndusInd Bank Credit Card Bill Through Bill Desk

  • Click here to go to the IndusInd Bank Billdesk Payment portal to pay your credit card bill.
  • Select the card type and enter your IndusInd credit card information along with the amount.
  • Select your bank account from the dropdown list.
  • Click on the “Submit” button.
  • Provide your authentication details such as your Net Banking user ID and password and confirm the amount.
  • Click on the Pay Now button and receive the confirmation of the payment on your screen.

Pay IndusInd Bank Credit Card Bill Through NEFT

  • Login to the Net Banking service of your other bank and go to the NEFT Fund Transfer option.
  • Add your Indusind Credit Card as NEFT beneficiary for the payment.
  • Enter the beneficiary details as follows
    • Payee Name: 16-digit credit card number and customer number.
    • Select Account Type: 52 for NEFT.
    • Select City: Mumbai
    • Select Bank: IndusInd Bank
    • Address of Bank: Main Branch Mumbai
    • IFSC Code: INDB0000018
    • Update Payee Account Number: Your 16-digits IndusInd Bank Credit Card Number.
  • Go back to the NEFT option and choose your Indusind Bank Credit Card from the beneficiary list.
  • Enter the amount you want to pay and click on “Pay”
  • Receive the confirmation.

Pay IndusInd Bank Credit Card Bill through VMT

  • Login to Indusind Internet Banking with your user ID and password.
  • Go to the Fund Transfer option and Click on the “To Any Visa Card” option
  • Add your Indusind Bank Credit Card as beneficiary.
  • Choose your IndusInd Bank Account through which you would like to transfer funds.
  • Select your Indusind Bank card from the beneficiary list and enter the amount to be transferred
  • Click on the Confirm button and receive the acknowledgement of the payment.

Pay IndusInd Bank Credit Card Bill Through Cash

  • Visit the nearest IndusInd Bank branch to pay your credit card bills.
  • Find the cash deposit slip at the counter and fill it.
  • Deposit the filled slip to the Cashier.
  • Collect the payment receipt.

Pay IndusInd Bank Credit Card Bill Through Cheque/Draft

  • Write a cheque/draft in favour of your Indusind Bank Credit Card.
  • Sign the cheque/draft and mention your phone number at the back of it.
  • Now, walk to the nearest branch or ATM of Indusind Bank and drop the cheque/draft in the dropbox.

Pay IndusInd Bank Credit Card Bill Through Auto Debit

  • Register for the Auto Debit facility by submitting an Auto Debit form. To download the form, click here.
  • Fill the auto debit form and attach the necessary documents.
  • Post the form to the following address – IndusInd Bank Ltd. (Credit Card Division), P.O. Box No. 9421, Chakala MIDC, Andheri (East), Mumbai - 400093

Pay IndusInd Bank Credit Card Bill Through NACH

  • Register for the NACH facility by submitting NACH Mandate form. To download the form, click here.
  • Fill the auto debit form and attach the necessary documents.
  • Post the form to the following address – IndusInd Bank Ltd. (Credit Card Division), P.O. Box No. 9421, Chakala MIDC, Andheri (East), Mumbai - 400093

Indusind Bank Credit Cards – Other Charges


Charge Amount
Add-on Card Fee Rs. 10,000
For Indulge and Crest Card
NIL
For Other Credit Cards
Nil 1.8% of the transaction amount in INR
For Legend, Pioneer Heritage and Pioneer Legacy Card only, valid till Dec 31st, 2018.
3.50% of the transaction amount in Indian Rupee
AFor Other Credit Cards.
Late Fee NIL
For Pioneer Heritage
Nil if the outstanding amount is less than Rs.100
Rs.100 if the outstanding amount is between Rs.101 to Rs.500.
Rs.350 if the outstanding amount is between Rs.501 to Rs.1,000.
Rs.550 if the outstanding amount is between Rs.1,001 to Rs.10,000.
Rs.700 if the outstanding amount is above Rs.10,000.For Other Cards
Minimum Payment 5% of the outstanding amount.
Over-limit fee 2.5% of the over-limit amount or Min Rs. 500
For Other Cards
NIL
For Pioneer Heritage Card
Returned payment fee Rs. 250 per instance.
Card Replacement Charges Rs. 5,000
For Indulge Card
Rs. 1,000 (Rs. 5,000 for Emergency Replacement)
For Crest Card
Rs. 100
For Other Cards

How To Apply for an Indusind Bank Credit Card?


  • Select an Indusind Bank Credit Card as per your preferences from above.
  • Click on “Apply Now” and fill the Online Application Form. You'll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will receive a confirmation from Indusind Bank.

Note: If your application was rejected, you would be able to apply after 3 months of your previous application.

FAQs


What are the offers I get to enjoy for IndusInd Platinum Select Credit Card?

  • You get to enjoy discounts whenever you shop at Satya Paul store.
  • You have the offer of buy 1 get 1 whenever you watch a movie at Sathyam Cinemas. The offer is only valid if you have purchased the movie tickets from BookMyShow.
  • As per complimentary priority pass program, you get to enjoy access to more than 600 lounges across the globe.

What are the documents I need to submit for IndusInd Platinum Select Credit Card?

Following are the documents you need to submit for IndusInd Platinum Select Credit Card –

  • Address Proof & ID Proof
  • KYC-PAN
  • One Photograph
  • Salary slip/Form 16.

What are the rewards offered for IndusInd Pinnacle Credit Card?

You get to ear 2.5 reward for every Rs. 100 spent online for e-commerce transactions. And one reward point for every Rs. 100 spent at Point of Sale terminals.

What are the travel benefits offered for IndusInd Pinnacle Credit Card?

In addition to various attractive travel offers, you get to enjoy an easy access to more than 600 lounges across the world and a complimentary Priority Pass as well.

Why I should go for IndusInd Signature credit card?

With IndusInd Signature credit card, you get to enjoy premium privileges in traveling, dining, and shopping.

Are there any promotion codes for IndusInd Signature credit card?

You get to earn Jet Airways promotion codes. These codes will facilitate you to avail 100% discount on base fare and Airline Fuel Charge. These codes will be sent to your registered mobile number and email ID.

What do you mean by Signature Life?

We all love watching movies and when you have the company of that someone special, it becomes an unforgettable experience. If you have IndusInd Signature Credit Card, you will have the privilege of booking movie tickets with BookMyShow and Sathyam Cinemas for both of you for the price of one.

What do you mean by Signature Freedom?

As a IndusInd Signature Credit Cardholder, you no longer have to pay a surcharge on all petrol pumps across the nation. You will have a waiver of 1% on fuel surcharge at all petrol pumps across India.

What are the rewards offered for IndusInd Platinum Select credit card?

Whenever you use your IndusInd Platinum Select credit card, either for business or pleasure, you can witness your reward points grow every time. When every Rs. 150 spent on your credit card, you get to earn one Reward Point.