All posts by ANAND BHIDE

Wouldn’t life be more convenient if you could get an instant credit cardonline and manage it via WhatsApp? We, at the IndusInd Bank, have heard you! Now enjoy our full range of instant credit card services on WhatsApp. From applying for a credit card and receiving usage notifications to paying your bills, there’s a lot you can do through WhatsApp.

To register, you simply need to drop a “Hi” on +22 4406 6666 or give a missed call at 874 490 0400 from your registered mobile number. You can also subscribe to important alerts from the IndusInd Bank and read them on WhatsApp.

Enjoy a host of credit card services on the go with WhatsApp Banking

Credit card details
Credit card pin reset
Set transaction preferences
Credit card mini statement
Download credit card statement
Credit card last statement summary
Credit card reward points
Unblock credit card
Raise a complaint
Apply for credit card

Get an Instant Credit Card in 3 Simple Steps

Complete a digital application form that asks for your personal details like PAN number, mobile number, etc.
Check out the best credit card offers available to you and choose one.
After which, you’ll go through Video-KYC process, sign the application digitally, and get instant credit card approval online.

Love the idea of using IndusInd Bank’s instant credit cards online through WhatsApp, but want to compare them before applying? Read our next section to do so.

Types of IndusInd Bank Instant Credit Cards

We offer different types of instant credit cards to suit the different lifestyle needs of customers. Here is a brief overview of our best credit cards

EazyDiner Credit Card

For those who enjoy savouring the best of what the culinary world has to offer, we bring you the EazyDiner Credit Card. It comes with a 12-month free EazyDiner Prime membership worth Rs. 1995. With this membership, you are entitled to a minimum of 25% discount, which can go up to 50% on premium restaurants and bars across the country.

You also receive 2000 bonus EazyPoints, which you can redeem against a host of hospitality, entertainment, and dining venues. The EazyDiner instant credit card earns you 10 reward points for every Rs. 100 spent on dining, shopping and entertainment, and much more.

Legend Credit Card

A premium offering, the Legend credit card goes beyond the known perks. With this credit card, you gain access to comprehensive golf programmes at some of the best golf courses in India. The Legend life is replete with a bunch of shopping, hospitality, and travel discounts. With quick credit card approval online, you get a complimentary stay at any Oberoi Hotel in India as a one-time welcome benefit.

You can also earn one reward point for every Rs. 100 spent on weekdays and double the reward points on weekend spends.

Platinum Aura Edge Visa Credit Card

Open yourself to a world of privileges with the Platinum Aura Edge instant credit card. It allows you to choose reward plans that suit your lifestyle. With it, you also earn up to 4x reward points on select merchant categories.

The fun doesn’t end here, though! This instant credit card offers a fuel surcharge waiver and comes with a unique contactless feature.

Platinum Visa Credit Card

This instant credit card helps you earn rewards points faster. Here, you earn 1.5 reward points for every Rs. 150 spent. You are also entitled to comprehensive travel and insurance benefits along with discounts on various dining and hospitality venues.

For instance, Platinum Visa credit card holders are entitled to buy one get one free movie tickets every month. They can avail of this offer for two free tickets per month. They also get a fuel surcharge waiver at petrol pumps across India.

Club Vistara IndusInd Bank Explorer Credit Card

Gift the traveller in you the Club Vistara IndusInd Bank Explorer Credit Card. This instant credit card awards you complimentary business class ticket vouchers upon reaching certain milestones along with travel concierge services.

It also boasts the best-in-class rewards programme with many dining, entertainment, travel, and hospitality benefits. Lastly, you can avail of a myriad of automotive services, such as roadside repair service, emergency fuel supply, battery service, etc., through its auto assist perk.

Apply Now!

You can getonline credit card approval for any of the five credit cards listed above through our website or via WhatsApp.

So, enjoy a world of premium perks with the IndusInd Bank. For an instant credit card, apply online or through WhatsApp today!

Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.

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Trends

Boost Your Career with an IndusInd Bank Personal Loan for Education

August 22, 2022 ANAND BHIDE Leave a comment

22-year-old Anam has recently secured an MBA seat at a premier institute. The only thing stopping her from accepting the position is money. She doesn’t only require a significant sum but needs it quickly. Ankita and her parents have a decent credit score and all the documents needed for the loan. But, submitting them to a lender and awaiting verification is cumbersome and can take time.

At this point, Ankita’s friend recommended that she procure a personal loan from IndusInd Bank, which proved to be a saviour. Not only could she apply for a personal loan online, but she could also getpersonal loan instant approval.

If you are facing a similar situation like Ankita, don’t give up on a great education opportunity. Instead, apply for an instantpersonal loan with us at IndusInd Bank!

How to Apply for a Quick Personal Loan Online at the IndusInd Bank?

Like Ankita, you simply need to go through the following four steps to apply and receive approval for a personal loan for education instantly.

Head to our website and click “Apply Now” to apply for a personal loan online. A form will open where you input your details and loan requirements.
Based on your details, you will be able to see the best personal loan offers we can provide.
After selecting one of the options, the portal will redirect you towards a V-KYC or Virtual KYC and auto-repayment setup.
Once done with this, you’ll sign a contract with us digitally and instantly receive funds in your bank account.

Features and Benefits of Applying for Personal Loan Instantly With IndusInd Bank

Here are the top features and benefits of applying for an instant personal loan at IndusInd Bank:

Instant Processing

After applying, we verify your documents and award approval instantly. With us, you don’t have to wait around in suspense and can focus on other critical tasks such as, planning your trip, booking tickets, figuring out accommodation, etc.

Low Personal Loan Interest Rates

If you think we charge a high or special interest rate in exchange for sanctioning quick personal loans online, we don’t. You will find we offer an enormous range of affordable interest rates, which will make EMI payments easier.

Flexible Tenures

Since we offer a wide range of tenures between 1 and 5 years, you can repay your loan as per your comfort. Often students wish to repay their loans after finishing their degree. They can do so with our flexi-personal loan tenures.

Minimal Documentation

We don’t ask for any documentation hardcopy. You must submit your paperwork softcopies while filling out the online application. Here are a few documents you must keep handy when filing your online application.

Identity proof – can include a self-attested copy of your Aadhaar Card, PAN Card, Voter ID, passport, or driving license (any 1)
Address proof
Income proof – can include Form 16. If you don’t have that, then IT returns for the last 3 years, salary slips for the previous 3 months if salaried, profit and loss statement if self-employed, and last 3 months’ savings account statements. Note self-employed individuals must submit 6 months statements from their Practice Current Accounts as well.

Zero-Collateral

We offer unsecured instant personal loans for education. This means you don’t need to pledge any collateral or bank guarantee, such as property, investments, etc. If you have the required documents and healthy credit history, your chances for approval of the zero-collateral personal loan remain high

Conclusion

Don’t let a shortage of funds stall your career. Get the best education you can! Get a personal loan for education instantly by partnering with the IndusInd Bank. Fill out your application in minutes andget online personal loan approval.

Click here to start your application today!

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Credit Card

IndusInd Bank Legend Credit Card – Your True Companion

August 19, 2022 ANAND BHIDE Leave a comment

Rajeev Kapoor is a senior partner at a corporate enterprise who often travels for work and pleasure. He and his spouse also enjoy spending their time with various activities, one of them being golf. As a family of three, they go out for meals and movies now and then and take road trips on alternate weekends.

While he has no qualms about racking up substantial bills in exchange for living the good life, Rajeev loses out on a world of premium perks and privileges he can enjoy just by opting for the right credit card. The one he uses currently barely rewards him but charges him a significant annual fee.

With his present credit card, he also struggles to complete payments seamlessly, especially abroad. Safe to say that while Rajeev finds an excellent companion in his wife and child, he does lack a true financial ally.

If you’re in the same boat as Rajeev, it’s time to switch to the IndusInd Bank Legend Credit Card.

Why Apply for a Legend Credit Card?

When you’re making big-ticket lifestyle purchases, more often than not, it’s only fair you get rewarded for them. How?

Through accelerated reward points, premium dining, travel and hospitality discounts and privileges, exclusive memberships, and whatnot. All of these are up for grabs when you choose the IndusInd Bank Legend Credit Card.

Here are some of the top features & benefits, you can enjoy by applying for a Legend Credit Card!

Enjoy Legend-ary Welcome Benefits

When you sign-up for the IndusInd Bank Legend Credit Card, we welcome you with a complimentary stay at your favourite Oberoi Hotel in the country. Add to that; you also receive a luxe gift card worth Rs. 5000, which you can use on over 30 global luxury brands spread across 360 stores within the country.

But wait, the extravagance does not stop here! When you get the credit card, you can also choose from an exquisite collection of watches, jewellery, leather items, premium stationery, and eyewear from Montblanc. And, just when you think the welcome haze has settled, we offer you discount vouchers from various merchants like Amazon, Flipkart, Charles and Keith, Louis Phillipe, Hush Puppies, and many others.

Enjoy Legend-ary Golfing Benefits

Elevate your golfing experience by gaining exclusive access to some of India’s most expensive and picturesque golf courses with your Legend Credit Card. By signing up, you receive complimentary games and lessons at some of the leading golf clubs in cities like Bengaluru, Delhi NCR, Mumbai, Ahmedabad, Hyderabad, Chennai, and more.

Enjoy Legend-ary Entertainment and Travel Benefits

With the pandemic behind us, it’s time to watch movies how they were intended – in a theatre, and in the case of Legend Credit Card, you can avail of our buy-one-get-one-free movie ticket offers through BookMyShow. Movie buffs can avail up to 3 free tickets in a month.

The fun doesn’t end here! If you’re passionate about touring the world, this credit card offers you free access to 600+ airport lounges worldwide. You also enjoy a waiver on foreign currency mark up charges on all international transactions.

Enjoy Legend-ary Accelerated Reward Points

It’s simple – the more you use your credit card, the more points you earn, which lets you avail of several perks and privileges. But, what if you could earn points in an accelerated manner which can then be redeemed against delightful rewards.

Apply for a Legend Credit Card and earn two reward points for every hundred rupees spent on weekends and one reward point for every hundred rupees spent on weekdays.

Final Thoughts

Let’s face it! Any credible credit card will offer standardised services, like assisting with digital transactions and letting you pay bills online. But not any would come loaded with as diverse a range of lifestyle benefits as the IndusInd Bank Legend Credit Card.

For Rajeev Kapoor and anyone who wants to experience hand-picked offerings and a lavish lifestyle in exchange for their credit card spending, they must apply for Legend Credit Card today!

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Manage your Finance

What You Need to Know Before Getting a Credit Card?

August 18, 2022 ANAND BHIDE Leave a comment

Mansi is an avid shopper and loves exploring new cafes. And now that she has started earning, she wants nothing more than to spend on the things she loves. But when all her friends were using credit cards, the hassle of carrying around cash always bugged her. Since she already had a savings account with IndusInd Bank, she decided to explore the various credit card options and get one herself.

If you’re also looking for unmatched spending freedom like Mansi, IndusInd Bank brings you a wide range of unique credit cards. However, before you get a credit card, there are a few things you must keep in mind to make the most of it.

Read on to know more.

1. There are Different Types of Credit Cards

Depending on your needs and eligibility for a credit card, you can choose from a diverse range of credit cards. For instance, if you’re getting your first credit card, you can apply for one that helps you build your credit and comes with a low joining fee. Or perhaps you take several international trips in a year. In which case, a travel credit card will help you make the most of your expenses.

2. Understand the Interest Rates and Charges

Before applying for a credit card, it is prudent to check the interest rates and additional charges applicable. Credit cards often carry different fees, including annual fees, transfer fees, late payment penalties, transaction fees, and more.

However, with IndusInd Bank, you don’t have to worry about hidden charges on your credit card. We offer affordable interest rates with minimal charges so that you can enjoy financial freedom like no other!

3. Minimum Payment

Based on your credit card transactions, you have to make a minimum payment each month against your credit card bill. Even though you can always pay the full amount to avoid paying interest on the balance, it is best to enquire about the minimum balance payment with the bank.

4. Most Banks Allow a Grace Period

An amazing part of applying for a new credit card is that most banks offer you an interest-free period. Within this grace period, you don’t need to pay any interest, provided you pay the balance in full and before the due date. This helps you get the most of your credit card and build a good credit score with timely repayment.

5. Credit Cards Can Affect Your Credit Score

A credit card is an excellent way to build a strong credit report. Timely repayment of dues and maintaining a low credit utilization ratio can help you achieve a higher credit score. On the other hand, late payments can lower your credit score, affecting your chances of taking a loan in the future.

That is why you must opt for a credit card, depending on your income and affordability, so that you can repay the bills on time without straining your finances.

6. Credit Cards Offer Excellent Rewards

Credit cards are best known for the host of exclusive rewards and privileges they offer. With IndusInd Bank credit cards, you can shop, dine, and travel to your heart’s content and earn reward points and discount offers on every spend. Moreover, you can also enjoy exciting benefits like comprehensive insurance and more.

The Bottom Line

Credit cards are hands down the most convenient financial tools that open you up to a world of exciting benefits and spending choices. So, before you get a credit card, consider these above mentioned points to get the best deal.

And when you’re ready, apply for a new credit card online with IndusInd Bank in just 3 simple steps.

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Savings Account

How Does Interest Work on A Savings Account?

August 16, 2022 ANAND BHIDE Leave a comment

What factors do you consider before you get a savings account? Interest rates, charges, and perhaps the additional benefits. If you are like most people, you’re getting a savings account to park your funds. Naturally, the interest rate of the savings account plays a huge role in choosing a partner bank. And if you’re a smart saver, you’re looking for ways to maximize your interest earnings too.

Sure, choosing a banking partner offering high savings accounts interest rates can ensure good returns.

But how much interest will you earn? How do savings account interest rates work? Read on to find out.

Saving Account Interest Calculation

As per the recent Reserve Bank of India (RBI) mandate, banks calculate interest on the closing balance daily. They further credit interest in your account half-yearly, quarterly, or monthly.

Here is how to calculate your savings account interest earnings.

Monthly interest earnings = Daily Balance X Interest Rate X Number of Days / 365

Now consider this example,

If from 1st Jan to 5th Jan, your daily balance remains Rs 2 Lakhs, and the savings interest rate is 4% per annum, you will earn:

Rs 2,00,000 X (4/100) X 5 / 365 = Rs 109.59 interest

On 6th Jan, you deposit Rs 60,000, and with no other transaction till 10th Jan, you will earn:

Rs 2,60,000 X (4/100) X 5 / 365 = Rs 142.50 interest

So, in 10 days, you will earn a total interest of Rs 252.09.

The bank repeats this process daily and credits the amount every three months or half a year. You also get the benefit of compounding or earning interest on interest. Once the bank credits the interest, it’s added to the principal amount, and you earn interest on the aggregate amount moving forward.

It’s clear that once you deposit your funds into a savings account, it automatically grows your earnings based on your bank’s savings account interest rates. But what if you want to get even higher savings account interest? Well, here’s how you do it.

Maximize Your Interest Earnings

Here are some tips to earn higher interest rates on your savings account.

1. Maintain High Monthly Balance

As stated earlier, banks calculate the interest payable based on your savings account balance daily. Naturally, the higher your balance, the higher your interest earnings. So, maintain a high monthly balance. Even if your savings account has a low or zero minimum balance requirement, maintaining a higher balance increases the returns on your deposit.

2. Get a Savings Account with IndusInd Bank

If you want to get the highest interest returns, it makes sense to choose a banking partner offering better interest rates from the get-go. At IndusInd Bank, we provide best-in-class interest rates on a savings account. We also offer a plethora of savings accounts tailored to each individual’s needs. So, you can maximize benefits and your savings.

3. Avail Sweep-in Facility

Linking your fixed deposits with our savings bank accounts can give you higher interest earnings. So, avail of the sweep-in facility, and get higher interest returns. Withdraw money anytime without breaking your FD or facing penalty charges.

Final Words

Knowing your savings account interest is crucial when budget planning. After all, it tells how much your savings will earn and helps you plan your future expenses.

Looking for a savings account with interest rates high enough to help your money keep up with inflation? Turn to IndusInd Bank. We offer best-in-class interest rates on savings accounts, along with attractive perks and benefits to help you maximize your savings.

Open a savings account with us today. Curious about our product features and offerings. Head to our website to learn all about them.

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Get an Instant Credit Card in 3 Simple Steps

Types of IndusInd Bank Instant Credit Cards

EazyDiner Credit Card

Legend Credit Card

Platinum Aura Edge Visa Credit Card

Platinum Visa Credit Card

Club Vistara IndusInd Bank Explorer Credit Card

Apply Now!

How to Apply for a Quick Personal Loan Online at the IndusInd Bank?

Features and Benefits of Applying for Personal Loan Instantly With IndusInd Bank

Instant Processing

Low Personal Loan Interest Rates

Flexible Tenures

Minimal Documentation

Zero-Collateral

Conclusion

Why Apply for a Legend Credit Card?

Enjoy Legend-ary Welcome Benefits

Enjoy Legend-ary Golfing Benefits

Enjoy Legend-ary Entertainment and Travel Benefits

Enjoy Legend-ary Accelerated Reward Points

Final Thoughts

1. There are Different Types of Credit Cards

2. Understand the Interest Rates and Charges

3. Minimum Payment

4. Most Banks Allow a Grace Period

5. Credit Cards Can Affect Your Credit Score

6. Credit Cards Offer Excellent Rewards

The Bottom Line

Saving Account Interest Calculation

Maximize Your Interest Earnings

1. Maintain High Monthly Balance

2. Get a Savings Account with IndusInd Bank

3. Avail Sweep-in Facility

Final Words