Let’s face it! A credit card is no longer a luxury item today. No matter what your lifestyle, when you get a credit card, you unlock unmatched spending freedom. Whether it’s your monthly grocery shopping, a night out with friends, or a big-ticket purchase for your family, a credit card lets you pay hassle-free. Not to mention the rewards and cashback you can earn on every spending.

No doubt then, credit cards allow you a better grip on your finances. If you are finally planning to get one for yourself, IndusInd Bank has a range of easy credit cards with no annual fee, designed just for you! From premium rewards, contactless transaction features to privileges on shopping, entertainment, dining, travel, and more.

Why Should You Get a Credit Card from IndusInd Bank?

With Indus Easy Credit Cards, you get to choose a different credit card as per your financial needs. Each credit card comes with a range of exciting benefits and endless privileges to meet your specific requirements. Our credit cards not only offer you seamless transactions and special offers but also come with worldwide acceptance. In addition, you can apply the credit cards online. The entire application process is 100% paperless and online.

And not just that, you can also enjoy a host of financial benefits and earn reward points on every domestic and international transaction. You can later redeem these points to get a discount or cashback on shopping, food delivery, dining, lifestyle, and whatnot. You can easily apply for a credit card online depending upon your purchase requirements. The best part? We offer credit cards with no annual fee.

Read on to know how you can get a credit card.

Choose your Credit Card

With IndusInd Bank, each credit card comes with special perks and financial benefits to make your life easier. While our credit cards offer flexibility and convenience like no other, finding the one that suits your needs can get tricky. Here are some of the best credit cards offered by IndusInd Bank-

A. Legend Credit Card

• Get 1 reward point for every ₹ 100 that you spend on weekdays.
• Earn 2 reward points for every ₹ 100 spent on weekends

• Earn exclusive bonus rewards. Get 4000 bonus reward points if you spend ₹ 6 lakhs or more in a year
• Get the advantage of Discounted Foreign Currency Mark up at 1.8% on foreign currency transactions made using your Primary & Add-on card
• Enjoy comprehensive Golf Program

B. Platinum Visa Credit Card

• On every ₹ 150 spent  you will get 1.5 reward points
• Get access to comprehensive Insurance benefits
• Fuel surcharge waiver
• Buy 1 Get 1 free on movie tickets

C. Platinum Aura Edge Visa Credit Card

• Choose reward plans that suit your lifestyle
• Get  up to 4X reward points on selected merchant categories
• Enjoy fuel surcharge waiver
• Contactless feature

D. Club Vistara IndusInd Bank Explorer Credit Card

• Enjoy best-in-class rewards program
• Get zero foreign currency mark-up on international spends
• Achieve the milestone spends to get complimentary Business Class ticket vouchers

How to Apply for a Credit Card?

Follow the steps mentioned below to apply for a credit card-

• Visit our website and select credit cards
• Once you are redirected to a new page, click on ‘Apply Now’
• Fill in your details including your name, phone number, and email ID
• Choose the credit card that suits your needs from our range of options
• Upload various personal documents including
  • PAN card
  • Aadhaar card
  • Address proof
  • Proof of income- 6 months’ bank statements
• Complete the required details and submit your application

Thus, Indus Easy Credit Card makes your everyday transactions more convenient. Now pay bills, purchase groceries, or spend on an international vacation without any worries!

Over to you

Whether you want to save on every transaction or want to enjoy a better lifestyle, IndusInd Bank credit cards will take care of all your needs. Find and compare the best options available for you, check the eligibility criteria, furnish the documents, and apply for a credit card with no annual fee!

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.

When travelling overseas, forex cards are a faithful companion to cover all your monetary needs. A secure and safe way to carry the currency, these cards do away with the hassle of carrying wads of cash. You don’t have to worry about restrictions related to carrying cash overseas, nor do you have to worry about your money getting stolen.

Also, with banks like IndusInd Bank providing multi-currency cards, you can effortlessly travel across different nations without paying any surcharge on your transactions. But that’s not it! Here are some other benefits of IndusInd Bank multi-currency forex cards which make international travels convenient and stress-free.

Unwavering Exchange Rates

Exchange rates are subject to fluctuation based on the ebbs and flows of the market. Sometimes, due to these changes, you might end up paying extra. But with IndusInd Bank’s forex cards, you don’t have to worry about fluctuating exchange rates.

When you opt for their card, the exchange rates are locked, meaning you don’t have to pay a surcharge in case the currency is underperforming in the market. For instance, if you load 5000 USD into your card, the exact amount will be deposited, regardless of any USD-INR oscillations.

Carry Multiple Foreign Currencies

For Europe trips, or business trips involving multiple countries, you’d need access to different currencies for transactions. In such a scenario, having a card loaded with a single currency domain may incur markup fees if you make a payment outside the said domain

On the other hand, with IndusInd Bank’s multi-currency cards, you can make seamless transactions in 14 currencies – Dollar, Pound, Dirham, Franc, Yen, etc., – without worrying about any surcharge.

Expenditure Management

A foreign trip is incomplete without some retail therapy and it’s easy to get carried away when shopping abroad, which can affect your budget. However, IndusInd Bank’s multi-currency forex cards come with seamless account tracking, enabling you to keep your spendings in check.

Plus, you get transaction alerts through SMS and email for every payment you make, along with periodic statements, allowing you to track your expenditures efficiently.

Secure Transactions

IndusInd Bank’s multi-currency forex cards are equipped with password/PIN protection, securing your transactions against any fraudulent or malicious interceptions.

In case your card gets stolen or lost, you can hot-list it at a moment’s notice, and the loaded funds are instantly frozen. Most importantly, you are alerted of every transaction through SMS, allowing you to take necessary action quickly if you encounter any fraudulent transactions.

Wrapping Up

Other than these convenient benefits, you also get to enjoy quick and seamless card top-ups with IndusInd Bank’s insta-reload feature. Lastly, you can also use the card to withdraw cash from any Visa-enabled ATM in the world without incurring any extra charge.

Gearing up for an international tour? Buy a forex card online from IndusInd Bank today and ensure a safe and hassle-free international travel experience.

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.

When applying for a two-wheeler or bike loan, how can you tell if you’re getting the best deal? No, a loan deal with the lowest two-wheeler loan interest rate isn’t the best. You may be tempted to accept the offer, but a little due diligence here can help you find a much better deal and save a considerable sum of money.

With competition increasing every year, many financial institutions are willing to bend for potential customers. This means you can secure a sweet loan deal to purchase your dream bike without straining your finances.

Here are four tips to get the best deal on your two-wheeler loan.

1. Maintain a Good Banking Relationship

Several banks in India like IndusInd Bank advance loans to existing customers at preferential rates. So when you apply for two-wheeler loan, start your loan journey by contacting a financial institution with whom you have an existing lending or banking relationship. If you have been a model customer, you might get a good offer.

Butif you feel you can find a better offer elsewhere, you can set their offer as the benchmark for comparison. Either way, this can be a good starting point for market research.

2. Conduct a Market Research

While there is no shortage of two-wheeler loan providers in the market, not everyone will offer a deal suitable for you and your pockets. Different financial institutions have different terms and conditions, after all. So, before you sign an agreement, here is what you want to compare:

• Loan to Value or LTV ratio
• Two-wheeler loan interest rate
• Maximum loan amount
• Processing fee
• Complete list of charges

Conducting comprehensive market research will help you find the most affordable loan deal, without compromising customer service or other features. Nevertheless, the final loan terms will come down to your credit profile. So make sure your credit score is good enough to qualify.

3. Consider the Loan Amount

In most cases, you’ll only get funds of up to 90-95% of your bike’s market price. This amount is directly affected by your repayment capacity and the bike model. Meanwhile, the remaining amount is taken as the down payment and financed from your pockets. However, if you don’t want to arrange the funds upfront, you can look for a zero down payment option.

Just consider the loan amount according to your budget and buying needs. It’s also a good practice to estimate your EMIs and total loan cost to decide on a loan amount, so you don’t over borrow.

4. Take Benefit of Special Offers

Many bike dealers and brands come with exciting discounts and exclusive offers around the festive season. So why not wait and buy your bike a little later than planned? You could benefit from additional benefits like free insurance, discounted processing fees, lower two-wheeler loan interest rates, 100% cost financing, and more.

While the benefits don’t seem a lot, they can save you a large sum of money on overheads like hidden charges. So don’t forget to wait for the seasonal sales and offers.

Over to You

Apart from the above, some other things to consider are the ease of application, loan processing time, prepayment charges, and customer service.

That’s it! With the above tips in mind, you can find the most suitable two-wheeler loan offer and ride home your dream pair of wheels.  

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.