Your credit card application has become easier. Please click here to understand your eligibility and apply for credit card. Alternatively, you can also call our 24-Hour helpline number 1860 267 7777 and apply for our credit card.

• Minimum age at the time of application should be 21 years
• Maximum age should be 60 years or retirement age whichever is earlier.
• Minimum net monthly income should be Rs.20000
• Should have completed minimum 2 years in employment and minimum 1 year in the current organisation.
• Should have completed minimum 1 year of stay at the current residence, if rented.

• Aadhar number
• PAN
• Proof of residence if address in Aadhar is not your current address
• 6 months’ Bank account statements (optional)

Approval of Credit Cards is now online and instant. However, card will be embossed and delivered within 5 working days from the date of application.

You may call our Helpline number 1860 267 7777 to know the status of your credit card application. Once your application is processed, Bank will communicate the status through an SMS on the mobile number stated on your application form.

Basis credit limit, multiple options are offered across multiple segments.

Please click here to know the interest rate applicable on your IndusInd Bank Credit Card.

No, if your current balance is zero, you have a grace period of up to 50 days (on retail transactions) in which to make your payment. However, cash transactions attract an interest charge from the date of transaction till settlement date. Cash transactions also attract a transaction fee and applicable service charges.

No, the grace period on retail transactions is valid only if there are no out-standings on the Credit Card. If you are already revolving, then all fresh purchases will attract interest from the date of purchase.

• Interest Charges
• Late Payment Charges if Minimum due amount is not paid by due date.

Interest is calculated on a daily basis on the current outstanding balance of the Cardholder. Interest is levied if Total Amount Due is not paid off by due date. Interest is also levied on all fee, charges, interest and service tax. Interest rate of 3.83% per month (46% per annum) will be applicable initially. The bank can at its sole discretion change the interest rate depending on factors such as, but not limited to, credit history, purchase patterns, payment behavior, loyalty and vintage of the customer. Interest charges are dynamic and are subject to change based on periodic review by IndusInd Bank.

At IndusInd Bank making credit card payments is a simple process. With a range of payment options, you will be completely at ease when you make your next payment.

You can choose between any of the following modes of payment options to settle your monthly dues:

• Online credit card bill payment: Now you can pay your credit card bills online anytime from the comforts of your home / office.
• Cheques / draft drop boxes: You can make your credit card payments via a cheque or a draft at multiple drop box locations.
• NACH facility: Just mail us the duly filled NACH form, authorising us to debit your other bank account and sit back in ease. Click here to download the NACH form.
• Auto Debit facility: If you hold an account with IndusInd Bank, you can authorise us to debit your IndusInd bank account. Click here to download the Auto Debit mandate form.
• Visa money transfer: IndusInd Bank Visa cardholders can transfer funds online from their other bank accounts to pay the monthly credit card outstanding amount.
• Payment Through NEFT Facility: If you have a savings account with any other bank other than IndusInd Bank which offers online funds transfer facility (NEFT), you can use the same to pay your IndusInd Bank Credit Card bills. Click here to know more.
• Payment through SWIFT Transfer: You can now do a SWIFT transfer from your local bank branch abroad to pay your IndusInd Bank Credit Card bills. Click here to know more.

Monthly statements will be sent on email. The same can also be downloaded using internet banking.

In the event that you lose your credit card, please report the loss to IndusInd Bank Phone Banking immediately. Alternatively, you can instantly block and replace your credit card on IndusNet/IndusMobile.Click here.

You can approach us in any of the following ways:
Call us at our 24 hour Customer Care number: 1860 267 7777
Write to us at offer@indusind.com

EMV Chip & PIN Credit Card provides you enhanced security for all your domestic and international transactions, in line with the best global practices on security of transactions. It provides an additional level of safety and security against counterfeit and skimming related fraud. The Cardholder must take proper care of the accounts held jointly or singly without giving Card and the Card Number and do everything any prior notice and the Cardholder hereby that is necessary to prevent the Card and the specifically authorises the Bank to do so. PIN from being lost, stolen or being misused.

Please call our helpline number 1860 267 7777 or logon to IndusNet/IndusMobile to update your Mobile number/Email address.

Yes, your IndusInd Bank Credit Card is a globally valid card that you can use for all your transactions that you make abroad. All globally valid cards are governed by usage restrictions, entitlements and other conditions stipulated by The Reserve Bank of India (RBI) or by any other Government Authority from time to time. Card transactions in Nepal & Bhutan shall be in the local currency or the Indian rupee.

The cardholder must not exceed his credit limit under any circumstances. In case, the cardholder exceeds his credit limit, the card holder must immediately make a payment to IndusInd Bank in lieu of all amounts in excess of the credit limit. In case, the cardholder exceeds the credit limit, the Bank will levy an over limit charge as declared from time-to-time in the schedule of charges.

No, your IndusInd Bank Credit Card is for your personal use only and cannot be used by any third person. However, you may gift an add–on card to your family members that can be used by them. All charges & payments for transactions made on add–on cards will have to be borne by you.

According to the recent RBI Mandate, all customers who have used their Credit Card(s) Internationally (either E-Commerce, POS (Point of Sale) or ATM transactions) or any new issuance of Debit/Credit Card(s) effective 1st December, 2013 will have to be issued an EMV Chip & PIN enabled Credit Card.

An EMV Chip & PIN Credit Card is a Credit Card with an embedded microchip. This microchip stores the Card member information and the PIN in an encrypted format. This PIN is known only to the Cardholder thus providing enhanced security against possible misuse.

The EMV Chip & PIN is a superior level of security on your Credit Card, in line with best global practices. It thus provides an additional layer of safety against counterfeit and skimming related fraud.

EMV Chip & PIN Credit Card provides you enhanced security for all your domestic and international transactions, in line with the best global practices on security of transactions. It provides an additional level of safety and security against counterfeit and skimming related fraud.

The EMV Chip & PIN Card stores the Card member information and the PIN in an encrypted format. The PIN will be known only to you and you need to enter the PIN at a POS terminal to authenticate and complete the transaction unlike your existing Chip Card.

There is no additional fee required to be paid for an EMV Chip & PIN Credit Card.

In accordance with the RBI directive and for the enhanced security of your Credit Card, we request you to accept the new EMV Chip & PIN Credit Card.

When you use an EMV Chip & PIN Credit Card at a POS terminal which is enabled for PIN Transactions, the POS machine will prompt you to enter a 4 digit PIN. Once you enter the correct Credit Card PIN in the terminal, your transaction will be approved.

Please follow the below process for a successful transaction:

1. The merchant inserts your Credit Card in the Card slot at a PIN enabled POS terminal and enters the transaction amount
2. The POS machine prompts for a 4 digit PIN to be entered by the Cardholder.
3. On entering the correct Credit Card PIN in the machine, the transaction is approved.

At POS terminals, which do not support the PIN authentication, your EMV Chip Credit Card needs to be inserted in the Chip slot and your transaction will be completed as it is done today.

At POS terminals, which do not support an EMV Chip Credit Card, the Card can be swiped at the merchant terminal and your transaction will be completed as it is done today.

If the POS terminal (Domestic or International) is enabled for PIN authentication, you will be asked to enter your PIN for successful completion of your transaction.

You will be given 3 attempts to enter the correct PIN, post which your PIN will be blocked and your transaction will get declined. Please place a request to unblock your PIN or request for a new PIN at our helpline number 1860 267 7777.You can also reset your PIN instantly by logging on to the IndusInd Bank Netbanking portal.

If you have forgotten your PIN, please logon to the IndusInd Bank Netbanking portal to generate it instantly or request for a new PIN at our helpline number 1860 267 7777

At the time of issue of your EMV Chip & PIN Credit Card, your PIN will be dispatched to you separately. Please use this PIN at POS terminals to complete your transactions and at the ATM to withdraw cash.

No, the Credit Card and the PIN will be dispatched to you separately.

Yes, you can use the same PIN for cash withdrawals as well.

You have the following options to reset your PIN

Option 1 You can reset your PIN instantly using the IndusInd Bank Netbanking portal. Please logon to your IndusNet account and follow the process to reset your PIN

Option 2 You can also place a request to dispatch the PIN at your mailing address by calling our helpline number 1860 267 7777.

Please note that the PIN change/reset/regeneration functionality does not exist for IndusInd Bank American Express Credit Card holders. In case, you have forgotten the PIN, please call the helpline number for further details

Yes, all linked active Add-On Cardholders will also be issued an EMV Chip & PIN Credit Card

Yes the Add-on Credit Card(s) will have a different PIN.

No, the Add-on Card holder needs to enter their own PIN. The transaction will get declined if they use any other PIN.

Interactive Voice Response i.e. IVR transactions are transactions that you carry out over the telephone where you provide your Credit Card number on an automated system to make payment to the vendor for purchase of goods, services etc. e.g. Account recharge on a TATA SKY helpline.

Please call our helpline number 1860 267 7777 to generate OTP for IVR transactions.

You would be required to enter your IVR One Time Password (OTP), in addition to your IndusInd Bank Credit Card credentials, when prompted by the merchant IVR.

Please click here for details.

An OTP generated once is valid only for 1 successful transaction or 2 hours whichever is earlier. You will need to generate a new OTP for every new transaction.

Part payment is possible by paying the Minimum amount or more, to avoid late fees.

Providing 6 months of current bank account statements might make you eligible for better Credit Card variant.

You can approach us in any of the following ways:

Call us at our 24 hour Customer Care number: 1860 267 7777 

Write to us at offer@indusind.com

You can approach us in any of the following ways:

Call us at our 24 hour Customer Care number: 1860 267 7777 

Write to us at offer@indusind.com

You would require Aadhar Card and PAN. If your current address doesn’t match your Aadhar Address, you need additional address proof (Driving License, Passport,etc)

You can always resume the journey from where you left off by providing your Mobile Number.Click here.