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Check your INDUSIND Bank Credit Card eligibility
Get exclusive benefits, offers, and more with INDUSIND Bank Credit Cards
Note: It will not affect your score
Best INDUSIND Bank Credit Cards in India 2024
Apply for other INDUSIND Credit Cards
IndusInd Credit Card Documents
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No physical documents are needed
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Produce your Aadhaar and PAN card to make the application process quick
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Residence proof if the current address differs from the one on Aadhaar.
IndusInd Credit Card Eligibility
- Age: The minimum age should be 21 years and the maximum age is Retirement age or 60 years whichever is lesser.
- Income: Your net monthly income should be 20,000 at least
- Occupation: All salaried and self-employed individuals
- Credit Score: You should possess a good credit score .
Types of Credit Cards Offered by IndusInd Bank
IndusInd Bank offers multiple types of credit cards like
Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs.
Travel: These are credit cards made for people who love to travel and get benefits in form of reward points or miles which can be redeemed for attractive gifts or free tickets
Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month.
The Platinum Aura Edge
IndusInd Bank provides unique a feature with their credit card as in the customer can choose the benefits that they require from the following
The Platinum Aura Edge Shop Plan
The Platinum Aura Edge Shop Plan highlights:
- Shopping in Departmental Stores: Enjoy 4 Reward Points and above all the promotional schemes at various stores and shop till you drop.
- Purchase of Consumer Durables or Electronic Items: Earn 2 Reward Points on purchase of Consumer Durables or Electronic Items
- Restaurant Bills: Earn 1.5 Reward Points on your entire bill including food, drinks and tax.
- Books: Earn 1.5 Reward Points on purchase of books.
- Any other spends on your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.
The Platinum Aura Edge Home Plan
The Platinum Aura Edge Home Plan highlights:
- Grocery: Make buying groceries even more exciting with 4 Reward Points on your total grocery and supermarket expenses.
- Cellphone Bills: Pay cellphone bills through your card and earn 2.5 Reward Points on your total bill amount.
- Electricity Bills: Pay electricity bills through your card and earn 2.5 Savings Points on your total bill amount.
- Insurance Premium: Pay your insurance premium with your card and earn up to 1.5 Reward Points.
- Medical Spends: Enjoy 1.5 Reward Points on medical expenses.
- Any other spends on Your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.
The Platinum Aura Edge Travel Plan
The Platinum Aura Edge Party Plan highlight:
- Hotel Expenditure: Enjoy up to 4 Reward Points with your card every time you check out of a hotel.
- Airline Ticket: Earn up to 2.5 Reward Points on the air ticket prices each time you use your card to make the payment.
- Car Rental Expenses: Earn 1.5 Reward Points on your car rental expenses.
- Railway Tickets: Travelers rejoice, you can earn 1.5 Reward Points on your railway ticket for bookings done through IRCTC.
- Any other spends on Your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.
The Platinum Aura Edge Party Plan
The Platinum Aura Edge Party Plan highlight:
- Restaurant Bills: Earn 4 Reward Points on your entire bill including food, drinks and tax.
- Shopping in Departmental Store: Enjoy 2 Reward Points over and above all the promotional schemes at various stores, and shop till you drop.
- Parties in Bars and Pubs: Whether you decide to let your hair down at the trendiest discotheque in the city or just chill out with your pals at a popular pub, you will earn up to 2 Reward Points on your bill amount.
- Movies Tickets: Going for a movie? Get a total of 1.5 Reward Points when you buy movie tickets.
- Any other spends on Your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.
Top Credit Cards of IndusInd Bank and Their Reward Points
Here are some of the best IndusInd credit cards that can help you maximize your savings and enjoy exclusive rewards.
IndusInd Bank Credit Card Variant | Regular reward points | Accelerated or bonus reward points |
|---|---|---|
IndusInd Signature Legend Credit Card |
| Earn 4,000 special bonus reward points on spends of Rs. 6 lakhs or above within one year from the date the card was issued |
IndusInd Nexxt Credit Card |
| - |
IndusInd Bank Platinum Aura Edge Credit Card |
| - |
IndusInd Bank Signature Visa Credit Card |
| - |
IndusInd Bank Crest Credit Card |
| - |
IndusInd Bank Pioneer Heritage Credit Card |
| - |
IndusInd Bank Pioneer Legacy Credit Card |
| - |
How to Apply For An IndusInd Bank Credit Card?
Apply Online Through CreditMantri
- Check the various IndusInd credit cards available.
- After choosing the card you want to apply for, click ‘Check Eligibility. (If you want more details about the card, Click ‘Know More’).
- You will be redirected to the application page.
- Enter the basic details asked and click submit. An OTP will be dispatched to your mobile.
- Enter this OTP for verification.
- Click on ‘view eligible IndusInd Bank offers and apply’
Online Apply Through The Bank’s Website
- Choose the card you want to apply to and click ‘Apply Now’.
- You will be redirected to the application page.
- Enter the details asked for.
- Click ‘Verify Mobile No.’ and enter your mobile number
- An OTP will be sent. Enter it for verification
- Input details like Name, PAN, income, address etc.
- The best offers for you will get displayed.
- Choose and submit the application.
Offline
- You can also apply for the IndusInd bank credit card offline via customer care, Email, SMS, netbanking account, or by going to the nearest bank branch and completing the physical application form there. Ensure that you keep all the needed documents with you.
IndusInd Bank Credit Card Benefits & Features
Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you
1. Sign on bonuses: Some of the credit cards from IndusInd Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.
2. Rewards: Reward points are offered for any transaction that is made using your IndusInd Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.
3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your IndusInd Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.
4. Cashback: Some IndusInd Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.
5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.
6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and know every feature available.
7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.
8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.
9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.
Thus, credit cards provide a card holder a plethora of benefits.
Fees and Charges of IndusInd Bank Credit Cards
The credit card fees and charges will vary according to the card. The list shown below consists of the general fees and charges.
Joining/annual fee | Varies from one card to another |
Finance Charges | 3.38% p.m. (46% p.a.) |
Late payment fees | From Nil to 1300 depending upon the balance |
Some other charges may differ across cards
IndusInd Bank Credit Card Application Status
After applying for a credit card, it is essential to verify the application status. For this purpose, IndusInd bank provides you with the facility to keep yourself aware about the status of your application. You can track this online, through your mobile number, airway bill number, calling customer care, and offline by visiting the nearest branch.
How to Activate The IndusInd Bank Credit Card?
You can activate the IndusInd Bank Credit Card in 3 ways
1. Through netbanking
2. Through mobile banking
3. Through customer care
1)Through Netbanking
For New Customers
Step 1: Go to the official portal of IndusInd Bank and click ‘Register your Credit Card’.
Step 2: Fill in the details requested including credit card number, CVV, card expiry date, and date of birth
Step 3: Click on ‘Submit’ after filling up all the details.
Step 4: Enter the OTP that you get on your registered mobile number.
Step 5: Now, create your login ID and transaction password (PIN) to activate your credit card.
For Existing IndusInd Bank Customers
Step 1: Access your IndusInd Bank account using your credentials
Step 2: Click ‘IndusNet Request’ on the ‘Service Request’ page.
Step 3: Now, click ‘Link your Credit Card’ and input the credit card number, the 3-digit CVV number, card expiry date, and date of birth.
Step 4: After linking, access ‘Services’ and click on ‘PIN set/ reset’.
2) Through the Mobile App
Step 1: Log in to the app and click on the brand icon available in the lower-left corner of the screen.
Step 2: Under the banking section, click ‘Credit Card’
Step 3: After choosing the option ‘Credit Card’, tap on ‘Credit Card Service Request’ and select your card.
Step 4: To create your credit card PIN, click on ‘Generate Credit Card PIN’ and add the card details - Credit card number, 3-digit CVV number, date of birth, and card expiry date
Step 5: Create your new PIN and authenticate it. A pop-up message comes on successful creation of the PIN
3) Through the Customer Care Number
You can call the customer care unit of IndusInd Bank using the numbers 1860 267 7777 or 022-44066666. Call from your registered number. Proceed as per the steps given by the IVR and create the PIN.IndusInd Bank Credit Card Bill Payment
Making timely payments of credit card bills is necessary. For this, IndusInd bank provides various methods to pay the credit card bill. Some of the modes of paying the credit card bill are, netbanking, mobile banking, NEFT, RTGS, online through the bank’s website, cash, cheque, or DD.
IndusInd Bank Credit Card Balance Check
Credit card bill payment defaults happen due to financial crunch or forgetting the due date. This can be avoided if the credit card balance is regular. IndusInd bank provides various methods through which you can make credit card balance enquiry. They are netbanking, via SMS alerts, customer service, ATM, visiting a branch, monthly statements, and mobile app.
IndusInd Bank Credit Cards Netbanking
You can bank from the comfort of your home or from anywhere using the IndusInd bank net banking services . You can transmit cash, make bill payments, see your account balance, create a deposit, and more just by logging into net banking.
Closure or Cancellation of Your IndusInd Bank Credit Card
IndusInd bank provides ways to close your credit card such as dialing the 24/7 customer care number - 1860 267 7777 to lodge an official request to close your credit card or sending a written application to the nearest branch of the bank.
IndusInd Bank Credit Card FAQ
1. What is the eligibility criteria for getting IndusInd Bank Credit Card?
You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.
2. How to do IndusInd Bank credit card bill payment?
You can pay the bill on the IndusInd Bank website by logging into their internet banking portal or you can download their mobile app which also has the option of IndusInd Bank credit card bill payment. The offline method is where you can pay your bill at any IndusInd Bank branch.
3. Why was my IndusInd Bank credit card application rejected?
It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact IndusInd Bank credit card customer care for further information.
4. How can I check my credit card usage?
You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.
5. Is it required to clear all dues on the IndusInd bank credit card before cancelling the credit card?
You have to clear the dues pending on the card before requesting cancellation of IndusInd Bank credit card.
6. What is the minimum due in IndusInd Bank credit card?
The minimum amount due is computed as 5% of the total amount due or some other amount which will be decided by IndusInd bank.
7. How long will it take to obtain an IndusInd Bank credit card?
Once the application is submitted, IndusInd Bank will take about 7 – 15 working days to do the background verification and approve the credit card.
How to Apply for INDUSIND Credit card on CreditMantri.com
Latest & Update Indusind Bank Credit Card News
IndusInd Partners With EazyDiner To Launch The EazyDiner IndusInd Bank Platinum Credit Card18 Jan 2024
IndusInd Bank has launched the ‘EazyDiner IndusInd Bank Platinum Credit Card’ in collaboration with EazyDiner to enhance the dining experience for its cardholders. The card is lifetime free with nil joining and annual fee and comes with a joining bon...
Read moreIndusInd Bank has launched the ‘EazyDiner IndusInd Bank Platinum Credit Card’ in collaboration with EazyDiner to enhance the dining experience for its cardholders. The card is lifetime free with nil joining and annual fee and comes with a joining bonus of 500 EazyPoints. It gives an additional discount of Rs. 500 when paying through the EazyDiner app via PayEazy, which is applicable for both dining in and takeaway at selected restaurants Cardholders can avail discounts in the range of 25 to 50% at more than 2,000 premium restaurants with the complimentary three month EazyDiner Prime membership. Moreover, the prime membership can be easily renewed on spending Rs 30,000 every 90 days. When it comes to reward points, cardholders can earn upto two reward points per 100 Rs. spent. These points are instantly redeemable against dining bills on the EazyDiner app. Users of the card can also earn 2,000 reward points on spending Rs 30,000 every 90 days.
IndusInd Bank Launches the 'Samman RuPay Credit Card' Exclusively for Government Employees11 Jan 2024
IndusInd Bank has introduced the “IndusInd Bank Samman RuPay Credit Card" exclusively for government employees. This card is powered with UPI functionality and unifies the benefits of UPI with the advantages of a traditional credit card. Apart from t...
Read moreIndusInd Bank has introduced the “IndusInd Bank Samman RuPay Credit Card" exclusively for government employees. This card is powered with UPI functionality and unifies the benefits of UPI with the advantages of a traditional credit card. Apart from this, it comes with various perks such as cashback on various expenses, complimentary movie tickets, zero fees on cash advances, and exclusions from surcharges on IRCTC transactions and fuel purchases. This card has been designed to meet the specific needs of government sector employees while providing them cutting edge payment solutions on RuPay's global card payment network.
IndusInd Bank Launches India's First Corporate Credit Card on The RuPay Network - Know the Details27 Dec 2023
IndusInd Bank has introduced the first UPI enabled corporate credit card on the RuPay network, called the IndusInd Bank eSvarna’. This step aims to help users make seamless transactions at merchant outlets by linking the card with UPI enabled apps. ...
Read moreIndusInd Bank has introduced the first UPI enabled corporate credit card on the RuPay network, called the IndusInd Bank eSvarna’. This step aims to help users make seamless transactions at merchant outlets by linking the card with UPI enabled apps. The card comes with various perks and rewards. It is designed to meet lifestyle needs by providing benefits across multiple categories including travel, wellness, and lifestyle. It offers a premium travel experience with complimentary lounge access and fuel surcharge waiver. Corporate travelers get an additional benefit of comprehensive travel insurance coverage and rewards program curated for corporate entities.
IndusInd Bank Partners with NPCI to Roll Out 'Platinum RuPay Credit Card' on UPI8 Nov 2023
IndusInd Bank has partnered with the National Payments Corporation of India (NPCI) to introduce the 'IndusInd Bank Platinum RuPay Credit Card'. This credit card can be linked to UPI-enabled apps thus making payment hassle-free and easy. Cardholders c...
Read moreIndusInd Bank has partnered with the National Payments Corporation of India (NPCI) to introduce the 'IndusInd Bank Platinum RuPay Credit Card'. This credit card can be linked to UPI-enabled apps thus making payment hassle-free and easy. Cardholders can also earn rewards on their UPI transactions, which can be converted into statement credit, airmiles, or redeemed for vouchers through 'IndusMoments.'IndusInd Bank has now joined the group of banks like Punjab National Bank, Union Bank, Indian Bank, HDFC Bank, Canara Bank, Axis Bank, Kotak Mahindra Bank, and BFSL in giving RuPay Credit Card on the UPI platform.
IndusInd Bank Launches Virtual Commercial Credit Card To Enable Cross Border Payments 15 Sep 2023
IndusInd Bank has tied up with Visa and Juspay to launch the 'Virtual Commercial Credit Card' . This card can be used to pay across the borders for corporates and travel agents. Customers can make safe and hassle free international transactions with ...
Read moreIndusInd Bank has tied up with Visa and Juspay to launch the 'Virtual Commercial Credit Card' . This card can be used to pay across the borders for corporates and travel agents. Customers can make safe and hassle free international transactions with the additional layers of security provided by this card. Using the virtual commercial credit card, commercial users can generate virtual cards or credentials in foreign denominated currencies also, safeguarding the parent card number, ensuring utmost security for transactions. Transaction specific limits and expiry dates can be defined for each virtual card, thus leaving the user with a safe and seamless payment experience.