All posts by IndusInd Bank

Summary: The Indus Premier Business Current Account offers the flexibility and convenience that is required to manage cash flow requirements with ease. It features higher transaction limits, dynamic cash deposit limits, and an auto sweep deposit facility, making it an ideal financial tool for medium-sized Indian businesses.

From providing an efficient way to manage payments, receipts, and cash flows to facilitating high-volume transactions, a current account is a fundamental and indispensable tool for businesses of all sizes. With a feature-rich business current account, you enjoy the flexibility and convenience required to manage cash flow requirements with ease.

IndusInd Bank has made doing business even easier with the Indus Premier Business Current Account. Designed with the unique intricacies of the Indian business landscape in mind, this account offers a suite of features that enhance liquidity management. From high transaction limits to the innovative auto sweep deposit facility, each aspect of this account is tailored to ensure businesses have the necessary financial agility to thrive in today’s fast-paced market.

In this guide, we take you through everything you need to know about this innovative business current account.

Features & Benefits of Indus Premier Business Current Account

The Indus Premier Current Account takes business banking a notch up with a unique blend of control and convenience. The account offers flexible limits that adjust to meet your business’ dynamic requirements. With an average monthly balance (AMB) requirement of 50,000, this account is best suited for medium-sized businesses.

Here are some of the standout features of the Indus Premier account.

Dynamic Cash Deposit Limits

The account comes with a free cash deposit limit of up to 8 times the AMB of the previous month or ₹ 10 lakhs, whichever is higher. This is ideal for enterprises with high-volume cash transactions.

Higher Transaction Limits

Recognising the daily transactional needs of a business, the Indus Premier account offers higher transaction limits. This is crucial for businesses that engage in frequent and high-value transactions.

Grouping of Accounts

You can also group your current account with other savings/current accounts of your own or those of your family members. Thus, you may enjoy the flexibility of maintaining the required balance at a group level in one or more accounts.

Free Demand Draft Issuance

This business current account allows for issuing demand drafts of value up to ₹ 100 lakhs Demand Drafts (DDs) per month at IndusInd Bank’s locations and ₹ 10 lakhs at correspondent bank locations at zero cost. This feature allows businesses to make secure and prompt payments without incurring hefty additional costs.

Auto Sweep Deposit

With the auto sweep deposit facility, any excess balance in your current account is automatically transferred to a fixed deposit. This mechanism allows businesses to earn interest on idle funds, optimising the return on their financial assets.

Doorstep Banking

Customers of the Indus Premier accoun need not visit their bank branch physically to deposit cheques or cash. With the doorstep banking facility, you can schedule cheque and cash pickups with a quick call. You can also avail free cash pickups (up to ₹ 2 lakhs) five times a month.

Eligibility Criteria for Indus Premier Business Current Account

The Indus Premier Current Account can be opened by any of the following entities:

Resident Individual
Hindu Undivided Family (H.U.F.)
Sole Proprietorship
Partnership
Limited Company
Limited Liability Partnership
Trust
Association
Club
Society

Streamline your Business Finances with the Indus Premier Business Current Account

Marked by a powerful blend of flexibility and convenience, the Indus Premier Business Current Account offers an array of features designed to streamline financial management for businesses. With its suite of distinctive benefits, you can streamline your business finances and meet cash flow needs with ease. Apply for the Indus Premier business current account online today!

Disclaimer: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your 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 making any financial decisions based on the contents and information.

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Why Forex Cards Make Great Travel Companions in 2025

August 20, 2025 IndusInd Bank Leave a comment

Summary: A forex card is a prepaid travel card made for international use. It offers security, convenience, and real cost savings by avoiding currency fluctuations through locked-in exchange rates. With support for multiple currencies and digital management, IndusInd Bank’s Indus Multicurrency Forex Card offers a reliable solution for today’s global traveller.

Global travel in 2025 looks quite different from that of a few years ago. With more tourists, professionals, students, and digital nomads taking their work and passions across borders, international travel has become more frequent. Add to that the growing trend of multi-country itineraries, and you now have journeys that demand more than a passport. They require smarter ways to manage money on the go.

Contactless payments and digital convenience has trumped using foreign currency in cash. Here, Forex cards have become the go-to travel companion. They cater to the new era of borderless living.

This blog unpacks why a forex card may just be the travel upgrade you didn’t know you needed in 2025.

What Is a Forex Card?

A forex card works much like your debit card, but is designed specifically for international use. It’s basically a prepaid travel card that can be loaded with foreign currency before you head overseas. Issued by banks and authorised financial institutions, these cards provide an easy and secure alternative to carrying physical cash.

You can choose between single currency and multi-currency variants. Multi-currency cards support multiple currencies, making them a smart option for travellers with multi-country itineraries. Always check with your bank on supported currencies before loading your card.

Why Should You Travel with a Forex Card in 2025?

If you’re planning an international trip, it’s worth exploring the many advantages of carrying a forex card.

1. Global Acceptance

Forex cards are accepted at merchant outlets, restaurants, and ATMs across the world. They can also be used for online purchases in the destination’s currency. You can use a single card for all your transactions and avoid waiting in long queues at exchange counters or carrying multiple currencies every time you travel.

2. Safety Over Cash

Carrying cash during international travel increases the risk of theft or loss. A forex card is PIN-protected and can be quickly blocked if lost or stolen.

3. Easy Digital Access

Forex cards come with user-friendly mobile apps and online platforms. You can check your account balance, track transactions, and reload funds digitally. For travellers, this means greater convenience and accessibility.

4. Multi-Currency Support

Some banks offer forex cards which support multiple currencies. With one single card, you can load currencies such as USD, EUR, GBP, AED, JPY, and others. These are ideal for multi-country travel as they save you from repeated conversions and their charges.

5. Cost-Effective

With Forex cards, by locking in the rate at the time of loading, you avoid the impact of currency fluctuations. Moreover, since some forex cards have zero markup fees, they provide significant savings compared to traditional payment methods like credit and debit cards.

6. Smarter Budgeting

Since a forex card is prepaid, you can only spend what has been loaded onto it. This encourages more mindful spending and helps you stay within your travel budget. It also prevents overspending that can often happen with credit cards during international trips.

Apply for a Forex Card Online with IndusInd Bank

In 2025, a forex card can make managing money abroad far simpler and safer. IndusInd Bank offers one of the best Forex Cards in India. The Indus Multicurrency Forex Card offers several advantages worth considering:

Facility to load up to 14 currencies on a single card
Easy encashment upon return to India
Cash withdrawal at any Visa-enabled ATM globally
Secure online access with the IndusFX app

Apply for a forex card online at IndusInd Bank today!

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Debit Card vs. UPI: Which Is Better for Payments in 2025?

August 18, 2025 IndusInd Bank Leave a comment

Summary: In India’s economy, UPI and debit cards play a central role in payments. A comparison reveals how they differ in aspects, including functionality, security, and accessibility. In 2025, users can select the most suitable mode based on their transaction habits, usage preferences, and convenience across various payment scenarios.

Paying without cash has become second nature for many in India today. Digital transactions have made everyday spending quicker and more convenient. Among the most widely used payment methods are debit cards and the Unified Payments Interface (UPI). While debit cards have been in use for decades and are familiar to most users, UPI has gained momentum, particularly after the pandemic, reshaping the way people pay.

Although both offer instant payment options, the way they function and the benefits they provide differ significantly. This blog breaks down those differences to help you decide which payment mode suits your needs best in 2025.

Understanding Debit Cards and UPI

What Is a Debit Card?

A debit card is a physical payment card issued by a bank directly linked to the user’s savings or current account. It enables immediate access to funds, allowing users to carry out transactions such as online and offline purchases, ATM withdrawals, and bill payments.

The card functions on major networks, including Visa, Mastercard, and RuPay, ensuring wide merchant acceptance both domestically and internationally. Some cards also support contactless payments and offer features like fraud protection, real-time alerts, and access to reward programs.

What Is UPI?

UPI is a mobile-based instant payment system regulated by the National Payments Corporation of India (NPCI). It allows users to transfer money, pay bills, and make purchases through a smartphone app using a Virtual Payment Address (VPA) instead of bank account details.

UPI works 24/7 and supports both peer-to-peer and merchant payments. Security is ensured through a UPI PIN and app-level authentication. It also enables linking multiple bank accounts within a single app.

Debit Card vs UPI: Key Differences at a Glance

Feature	Debit Card	UPI
Usage Mode	Physical card for payments, ATMs, and online transactions	Mobile app-based transfers and payments
Linked To	Savings/current account	Bank account via app with UPI ID
Authentication	PIN, OTP, CVV, contactless PIN (if enabled)	UPI PIN and app-level verification
Cash Withdrawals	Available at ATMs	Not available
Ease of Access	Requires the card or card details	Requires a smartphone and internet access
Transaction Speed	Instant, but may involve extra steps	Instant, with minimal steps
International Use	Supported on some networks	Limited availability in select countries
Fees	Possible charges on ATM or international use	Mostly free for domestic use
Rewards	Cashback, discounts, loyalty points (bank-dependent)	Limited, varies by app
Security Tools	EMV chip, PIN, OTP, real-time alerts	Two-factor, biometric login, UPI PIN

What is the Best Mode of Payment in 2025?

The ideal payment method depends on your day-to-day usage and needs. It comes down to how and where you spend your money. The following are some key details:

Debit cards are useful when you urgently need to withdraw cash or prefer card-based transactions at stores or online.
However, UPI payments are quick and easy for everyday expenses, as you can scan and pay through your mobile.
While UPI is linked to a savings account, most apps require debit card details during setup for authentication.

Many users still keep both a UPI and a debit card handy to enjoy greater flexibility across different payment scenarios.

For some of thebest debit cardvariants in the market, you can always rely on IndusInd Bank. Our feature-rich debit cards offer a host of benefits, such as:

Acceptability at a large number of merchant establishments across India
Cash withdrawal at any ATM within the limit prescribed by the RBI
Acceptability for different online payments, including utility bills, government entities, e-commerce websites, etc.
Robust safety and security features to protect your money
Personal accident cover, cashbacks, fuel surcharge waiver, reward points, etc.

Make every transaction simple, secure, and rewarding with an IndusInd Bank debit card. Apply today!

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Contactless Corporate Cards: Are They Safe and Worth It in 2025?

August 15, 2025 IndusInd Bank Leave a comment

Summary: IndusInd Bank’s Contactless Corporate Cards empower businesses with tap-to-pay technology, robust fraud protection, and intelligent spend management. From instant alerts to convenient tap payments, these cards are designed to simplify and secure every transaction, making them ideal for modern professionals navigating an increasingly cashless world.

The Power of Contactless Payments

Contactless corporate cards have redefined how professionals make payments. Without entering a PIN or swiping, you can simply tap the card on the terminal. A soft beep confirms the payment; it takes no more than a second. What once felt futuristic has now become an everyday occurrence.

But beneath their ease of use lies a finely tuned system of technology, encryption, and trust. And with greater reliance comes the question: Are they truly secure? In this article, we explore how contactless corporate cards work, and the benefits they offer.

How Do Contactless Corporate Cards Work?

Contactless corporate cards operate using Near Field Communication (NFC); a secure radio signal that allows payment by simply holding the card near a compatible terminal. Unlike magnetic stripe cards, contactless cards do not transmit your actual card number. Instead, they generate a unique one-time token for each transaction, making intercepted data practically useless to potential fraudsters.

These cards also incorporate EMV chip technology, adding a layer of protection by verifying transaction authenticity in real time.

Benefits of Contactless Cards in 2025

Speed and Efficiency: Tap-to-pay transactions can be completed in under a second—ideal for retail counters, business travel, and high-volume scenarios.
Improved Hygiene: Contactless payments reduce physical contact, a habit formed during the pandemic that continues today.
Enhanced Security: Tokenisation, EMV verification, and built-in transaction limits protect users against misuse, especially in the event of card loss.
Global Acceptance: Contactless technology is now widely supported by merchants around the world.

Are They Safe?

While no technology is entirely risk-free, contactless corporate cards are safe and secure when used correctly. According to cybersecurity experts and industry studies, cases of unauthorised contactless transactions remain rare due to encrypted data and short-range signal limits. RBI data shows a 50% decline in internet and card-related fraud during FY 2025, signalling improved protections for digital transactions, including contactless payments

To further reduce risks, users should:

Avoid sharing card details or PINs.
Never hand over cards to strangers, even if they claim to be from a financial institution.
Use RFID-blocking sleeves if you are carrying multiple cards.
Monitor transaction alerts and monthly statements for discrepancies.

Why Choose IndusInd Bank’s Contactless Card Solutions?

Backed by enterprise-grade security, IndusInd Bank’s Contactless Corporate Card is made to meet the demands of today’s professional:

Dedicated Relationship Manager for personalised assistance
Individual & Consolidated E-Statements for effortless expense tracking
One Payment Solution for all employee card payments
4th Line Embossing for company/department name customisation (up to 19 characters)
Priority Pass Programme with access to 700+ global airport lounges
Fuel Surcharge Waiver: 1% on transactions from ₹500 to ₹10,000
EMV Chip Security for safer, encrypted transactions

Comprehensive Insurance Cover:

Protection against counterfeit fraud
Lost card liability post-reporting

Visa Contactless Benefits:

Complimentary domestic lounge visits per quarter
Exclusive commercial offers across travel, dining, and services

Whether you’re looking to streamline corporate spending or simply prefer a smarter way to pay, IndusInd Bank offers one of the best corporate card experiences in its class. If efficiency, security, and global usability are high on your list, now is the time to apply for a corporate card online and elevate the way you manage your finances.

Tap into smarter banking today.

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Credit Card

Travel Credit Cards 2025: Lounge Access and Mileage Perks

August 12, 2025 IndusInd Bank Leave a comment

Summary: IndusInd Bank’s travel credit cards in 2025 offer unmatched benefits like complimentary airport lounge access and generous mileage rewards. Whether you’re a frequent flyer or an occasional explorer, these cards combine luxury and utility to elevate every aspect of your travel experience, from take-off to touchdown.

Unlock Travel Perks with the Right Credit Card

Airports used to be a place of waiting. Today, they’re an extension of your lifestyle. For seasoned travellers, comfort and convenience don’t begin at the destination; they start at the lounge. And for those who fly frequently, every trip is a chance to earn more than just memories.

In 2025, travel credit cards are no longer a convenience; they’re a means to get more benefits. From access to luxurious airport lounges to rewards that convert miles into future flights, the right card can make each journey smoother and more rewarding. IndusInd Bank understands this evolution and has designed a suite of credit cards specifically tailored for those who travel frequently.

1. Avios Visa Infinite Credit Card

For aviation aficionados and international travellers, the Avios Visa Infinite Credit Cardis designed to deliver luxury and practicality at every step of your journey.

Top Benefits:

Priority Pass Membership: 2 international airport lounge visits per quarter
Lounge access: Enjoy 2 complimentary domestic lounge access with your Avios Visa Infinite Credit Card.
Accelerated Avios Earning: Get up to6Avios per ₹200 on spends at preferred international destinations and 5 Avios at partner airline websites
Welcome Bonus: Receive 20,000 Avios on joining through specific airline loyalty programs
Milestone Rewards: Earn up to 36,000 Avios annually based on your spends
Travel Privileges: Complimentary meet-and-greet service at select airports

Whether you’re flying for business or leisure, this card transforms every swipe into future travel opportunities.

2. Pioneer Heritage Credit Card

For those who appreciate luxury at every turn, the Pioneer Heritage Credit Card offers lounge access and mileage perks.

Top Benefits:

Unlimited international lounge access via Priority Pass (metal variant);standard variant includes 2 complimentary visits per quarter
Unlimited domestic lounge access via Credit Card (metal variant); standard variant includes 2 complimentary visits per quarter
Now travel worry-free outside India with 0% forex mark-up on international transactions
Unlimited golf games and lessons across premium golf courses in India
2.5 reward points per INR 100 spent on international transactions and 1 reward point per INR 100 spent on domestic transactions
Flexible Rewards Redemption: Convert your points into KrisFlyer miles, gift vouchers, or statement credit
Extra Privileges: Enjoy contactless payments, premium concierge services, and robust travel insurance

Ideal for premium travellers who demand both comfort and flexibility in how they use their rewards.

3. Pinnacle World Credit Card

For the frequent traveller who enjoys a balance between rewards, comfort, and lifestyle perks, the Pinnacle World Credit Card delivers on all fronts.

Top Benefits:

1 complimentary international and domestic lounge visit per quarter
2.5 reward points per INR 100 on e-commerce spends, 1.5 reward points per INR 100e-commerce travel spends; 1 point per INR 100 elsewhere
Monthly golf lesson and game included
Versatile Redemption: Convert points to KrisFlyer miles, gift vouchers, or cashback
Zero fuel surcharge and additional lifestyle offers

Perfect for users looking for a seamless travel-lifestyle integration.

Other Travel-Focused Cards Worth Exploring

While the cards mentioned above offer both lounge access and mileage or point-based benefits, IndusInd Bank also offers several other travel-focused options worth exploring based on your unique needs. Cards like the Celesta Credit Card, Platinum Aura Edge, and Legend Credit Card provide benefits, such as concierge services, entertainment privileges, and low foreign exchange markup, which are ideal for frequent flyers.

Elevate your journeys this year, apply for a credit card online with IndusInd Bank and enjoy instant approval. Unlock the world with every swipe and travel smarter.

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Features & Benefits of Indus Premier Business Current Account

Dynamic Cash Deposit Limits

Higher Transaction Limits

Grouping of Accounts

Free Demand Draft Issuance

Auto Sweep Deposit

Doorstep Banking

Streamline your Business Finances with the Indus Premier Business Current Account

What Is a Forex Card?

Why Should You Travel with a Forex Card in 2025?

1. Global Acceptance

2. Safety Over Cash

3. Easy Digital Access

4. Multi-Currency Support

5. Cost-Effective

6. Smarter Budgeting

Apply for a Forex Card Online with IndusInd Bank

Understanding Debit Cards and UPI

What Is a Debit Card?

What Is UPI?

What is the Best Mode of Payment in 2025?

The Power of Contactless Payments

How Do Contactless Corporate Cards Work?

Benefits of Contactless Cards in 2025

Are They Safe?

To further reduce risks, users should:

Why Choose IndusInd Bank’s Contactless Card Solutions?

Comprehensive Insurance Cover:

Visa Contactless Benefits:

Unlock Travel Perks with the Right Credit Card

1. Avios Visa Infinite Credit Card

2. Pioneer Heritage Credit Card

3. Pinnacle World Credit Card

Other Travel-Focused Cards Worth Exploring