Today, credit cards are more than just a payment method. Knowing how to maximise your reward benefits can make your credit card a loyal friend. Your credit card will constantly reward you for your lifestyle choices and spending habits.

Think about unlocking exclusive discounts, access to luxury lounges, cashback, and even travel miles. Sounds incredible, right? Well, these benefits are just a click away. Credit card rewards have numerous benefits to offer if you know how to use them effectively.

This article provides insights into IndusInd Bank’s variety of instant credit card options. It is your roadmap to accumulating, tracking and redeeming rewards to your utmost advantage. Your credit card is not merely a payment method but your passport to a lifestyle upgrade. So, let’s dive right in and unleash the full potential of your credit card rewards.

Understand your credit card reward system

Every credit card has a different reward system depending on spending habits. It is imperative to understand that not all cards cater to the same spending habits.

For instance, some cards offer rewards specifically for dining experiences and travel bookings. Some cards offer extra rewards when you spend on departmental and grocery stores. Some travel-specific cards offer premium lounge services and discounts on hotel and flight bookings.

IndusInd Bank Platinum Visa Credit Card stands as a prime example when it comes to rewarding its users. By diving deep into its reward structure, you can strategise how to maximise your point accrual. With this card, for every ₹150 you spend, you can accumulate up to 1.5 reward points. You can use these reward points to purchase goods and services from top-tier brands. Also, if you own a vehicle, you will love the 1% waiver* on fuel surcharge available across select petrol stations in India. That’s not all. The card comes with a complimentary personal air accident insurance cover of up to ₹25 lakhs, adding an extra layer to your financial security.

Choose the right credit card for your lifestyle

You should not apply for a credit card without understanding its features. It is advisable to take a close look at how and where you spend your money. Then, choose a credit card that is in line with your spending habits and needs.

For instance, if you are someone who loves to eat out, a card that offers dining benefits, like the IndusInd Bank EazyDiner Credit Card, would be the best. Another great option is the IndusInd Bank Nexxt Credit Card. It has in-built LED lights and is India’s first interactive credit card. It offers flexible payment options at POS terminals. The LED button allows you to choose between the various payment options as per your needs.

Redeem points for maximum benefit

Instead of just collecting reward points, get the true benefit of a credit card by redeeming these points. Credit card companies typically provide many redemption options. These range from travel reservations to gift certificates and discounts on purchases from select brands. To avail of these benefits, you need to know the redemption options offered by the credit card issuing company.

Suppose the reward point-to-rupee conversion rate for your card is 1:1 for flight bookings and 2:1 for gift vouchers. In that case, redeeming the points for flight bookings will be more beneficial. You need to choose the option that maximises the actual rewards you get, so tread carefully.

Regularly check for limited-time offers

Credit card companies often partner with brands and merchants for limited-time offers. These offers can help you accumulate extra points or gain benefits like discounts or cashback. Keep an eye out for such promotions and take advantage of them. Being proactive will ensure you use your reward points efficiently.

Diversify with multiple cards

The idea of multiple credit cards may seem daunting, but that is not the case. Having multiple credit cards can help you maximise your rewards. You already know that different credit cards have different features. If you use these cards as per their features, you can collect reward points faster.

For example, you could use the IndusInd Bank Club Vistara Explorer Credit Card for travel-related expenses and IndusInd Bank Aura Edge Visa Credit Card for your retail and shopping needs. This strategy allows you to get the best of both worlds — maximum rewards from each card’s unique benefits.

Keep an eye on expiry date

Reward points often come with expiration dates. To fully benefit from them, be vigilant about these expiry dates. Typically, points from a single billing cycle expire together. Setting reminders well in advance of expiration can help you use them optimally. Accumulate points over several cycles and use them either for purchases or to offset monthly expenses.

Now, here is some delightful news!

IndusInd Bank Credit Cards can elevate your reward experience. With every swipe, you can earn reward points. The icing on the cake? These points do not expire. You can collect as many points as possible and redeem them at your leisure. This way you always get the best out of the rewards you have earned.

Conclusion

Learning how to use credit card rewards and maximise your benefits is worth it. It does not require advanced math. Just choose the best credit card based on your financial needs. You can take a look at IndusInd Bank’s Credit Card options and easily find a perfect match. The application process is 100% digital and allows you to avail of a credit card right from the comfort of your home.

So, no more waiting! Apply now to find the card that perfectly suits your financial needs.

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.

Browsing through credit card options to find “the one” can be overwhelming. But no need to worry! IndusInd Bank has an array of credit card offers designed to suit your individual needs. Whether you are a frequent traveller, a foodie, or someone looking for payment flexibility, this article will help you choose the right IndusInd credit card.

But before you do that, let’s have a look at why a credit card is the next step in your financial journey.

The importance of having a credit card

Wondering why get a credit card in the first place? Here’s how a credit card can benefit you.

1. Provides financial flexibility: You can pay for unexpected expenses without running out of money or disturbing your savings.
   
   
2. Helps build credit score: Timely repayment of credit card bills enhances your credit score. This can make it easier to get loans or increase the credit limit on your card in future.
   
   
3. Offers rewards and bonuses: You can earn reward points, get cashback, and enjoy special offers on various stores and brands.
   
   
4. Has global usability: You can use your credit card to shop around the world or online with ease.

Now you know that a credit card can provide you with financial flexibility and freedom. Let’s see how you can choose the best card for your needs!

Understanding your needs: The first step in making a choice

The first step is to analyse and understand your financial habits, lifestyle, and needs. Here are some questions to ask yourself:

• Spending habits: What constitutes most of your spending? Is it on groceries, travel, fuel, or retail therapy? Have a look at your monthly bank statement to understand your expenses.
  
  
• Financial goals: Are you looking to maximise savings via discounts and cashback? Or, are you looking for better financial management?
  
  
• Lifestyle preferences: Do you often dine out, travel, or partake in luxury experiences? Or, do you only spend money when necessary?

These questions will make it easier for you to narrow down your options and apply for a credit card online.

Select the most suitable card

Choosing the right credit card means examining the unique selling points (USPs) of each card. IndusInd Bank offers a diverse range of cards tailored to different lifestyles. Let’s dive into each of these in detail to understand their USPs and which fits you the best.

For food enthusiasts: EazyDiner Credit Card

USP: Exclusive dining discounts and complimentary dishes

The IndusInd Bank EazyDiner Credit Card offers multiple dining benefits. Enjoy a complimentary premium alcoholic drink at over 200 select restaurants, along with a guaranteed 25% off on your dining bills. At certain restaurants, an added 25% discount awaits.

Additionally, this card gifts you a 1-year EazyDiner Prime membership, worth ₹2,495. Plus, for reservations made via the EazyDiner app, you’re entitled to an immediate 25% discount (up to ₹1000).

You get a ₹5000 gift voucher at The Postcard Hotel and complimentary domestic airport lounge visits every quarter. You also get two free movie tickets monthly worth ₹200 each on BookMyShow. Additionally, enjoy the convenience of a 1% fuel surcharge waiver across all fuel stations in India.

For the tech-savvy: IndusInd Bank Nexxt Credit Card

USP: Convert purchases into EMIs with a single touch

IndusInd Bank has come up with India’s first interactive credit card—the IndusInd Bank Nexxt Credit Card. The innovative LED buttons allow you to select from diverse POS payment methods like Credit, Rewards, or EMI. You can earn 1 Reward Point for every ₹150 spent, get a 1% fuel surcharge waiver, and avail of exclusive entertainment deals on BookMyShow, including two free movie tickets worth up to ₹200 every

With just a tap at compatible merchant locations, transactions become effortless. Moreover, the card is accepted globally, allowing you to shop at over 30 million merchant outlets worldwide.

For the luxury seeker: IndusInd Bank Legend Credit Card

USP: Lifestyle experiences like concierge services and airport lounge access

The IndusInd Bank Legend Credit Card offers a contactless and unique design for fast and secure everyday transactions. You can earn 1 reward point on weekdays for every ₹100 spent. On weekends, you earn 2 points for every ₹100 spent. You will get 4000 Bonus Reward points if you spend ₹6 lacs or more annually. Additionally, you get a reduced foreign currency markup of 1.8% and a fuel surcharge waiver.

For the traveller: IndusInd Bank Platinum Visa Credit Card

USP: Customisable rewards and global usability

The IndusInd Bank Platinum Visa Credit Card offers 1.5 reward points for every ₹150 spent, applicable to a variety of expenses from groceries to travel bookings.

You also get comprehensive travel insurance, covering lost or delayed baggage, passport loss, ticket loss, and missed connections. The Total Protect feature offers purchase protection from unauthorized transactions, in case of loss or theft. Additionally, cardholders receive complimentary air accident insurance coverage of up to ₹25 lakhs.

For flexibility: IndusInd Bank Platinum Aura Edge Credit Card

USP: Choose your reward categories

IndusInd Bank Platinum Aura Edge Credit Card is designed to offer tailored rewards based on where you spend the most. You can earn up to 8x points at select merchants for every ₹100 spent. With this credit card, you also get four customizable reward plans. Here are the details of these plans:

1. Platinum Aura Shop Plan focuses on rewarding your shopping expenses.
2. Platinum Aura Home Plan rewards you when you shop for household items.
3. Platinum Aura Travel Plan is for frequent travellers, offering points on travel-related expenses.
4. Platinum Aura Party Plan lets you earn as you enjoy your social life.

You get purchase protection with the ‘Total Protect’ feature along with a 1% waiver on fuel surcharges across all petrol pumps in India.

For the traveller: IndusInd Bank Club Vistara Explorer Credit Card

USP: Earn and redeem Club Vistara points

With the IndusInd Bank Club Vistara Explorer Credit Card, embark on a journey of unparalleled travel and entertainment benefits. The card offers a Complimentary Club Vistara Gold membership. The membership comes with the following benefits:

• Priority check-in and boarding facility.
• Earn Tier Points/CV Points for every ₹100 spent.
• Benefit from Priority Waitlist Clearance and fee waivers for rescheduling.
• Receive three One-Class Upgrade vouchers upon Tier Renewal and two more upon Tier Upgrade.

You also receive a business class ticket voucher from Vistara and gift vouchers worth ₹25,000 from IndusInd Bank upon joining. You can enjoy luxury stays with Oberoi Hotels and shop with top brands via Vouchagram. It also offers 20% off on events and a buy-one-get-one-free movie offer on BookMyShow.

Applying online: A convenient way to get your IndusInd Bank Credit Card

IndusInd Bank now offers a seamless online application process for its credit cards. Here’s how it works:

1. Initiate the process: Enter the following details – PAN number, Mobile Number, and Email ID.
2. Select your card: Browse through our collection and pick a card that aligns perfectly with your lifestyle.
3. Instant video KYC: Complete the process with a video KYC for verification.
4. Swift delivery: Post-application, anticipate your card’s arrival within a mere 24-48 hours.

Advantages of online application:

• Efficiency and speed: Skip the traditional paperwork and long waiting periods. Our streamlined online process ensures a quick turnaround.
• Flexibility: Apply from anywhere, be it your home, office, or on-the-go.
• Safe and secure: IndusInd Bank uses advanced encryption to protect your data during the online application process.

Conclusion: The power of a perfect match

By now, it’s clear that selecting the right credit card is important. It’s a financial asset that helps you manage your financial habits and preferences. A thoughtfully curated credit card, like those provided by IndusInd Bank, can enhance your shopping experience with seamless payments.

So, wait no more! Find the card that’s your perfect financial match and make the most of the benefits that await you. Apply now!

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 decisions. 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.

Credit cards have become a handy product for purchases and managing finances. They offer convenience, flexibility and purchasing power to individuals and businesses alike. They have transformed the way we make payments, manage our finances and access funds on credit.

As India continues to experience rapid economic growth and technological advancements, the future of credit cards in the country is set to be even more dynamic and exciting. Keeping track of these trends can help you choose the most suitable credit card for your current and future needs.

Credit card trends in India

1) Contactless payments and NFC technology

Contactless payments have attracted global attention, and India is no exception. Near Field Communication (NFC) technology allows you to make payments by simply tapping your credit card on a point-of-sale terminal. With the push for digital payments and reducing physical contact, NFC-enabled credit cards will become more widespread, enhancing the speed and security of transactions.

2) Digital-first and virtual credit cards

Digital and mobile banking apps are becoming increasingly popular in India. As a result, the concept of digital-first and virtual credit cards is emerging. Here, credit card details are stored digitally and often used for online transactions. Virtual cards offer an added layer of security as they are single-use or limited-use cards, reducing the risk of theft or fraud.

3) Enhanced security measures

With the increasing frequency of cybercrimes and data breaches, credit card security should be top-notch. Biometric authentication, such as fingerprint or facial recognition via the banking app, is being integrated into credit cards to add an extra layer of protection against unauthorised use in case of loss or theft.

4) Sustainable and eco-friendly cards

Environmental consciousness is influencing consumer choices. Many credit card issuers are opting for sustainable materials and eco-friendly practices in card production. Not just that, certain cards offer rewards for environmentally conscious spending, such as cashback for shopping at eco-friendly stores.

5) ‘Buy now, pay later (BNPL)’ options

‘Buy now, pay later (BNPL)’ services are gaining popularity in India. Many credit card companies are incorporating BNPL features. BNPL allows you to pay for your purchases over a set period of time, in fixed instalments, and usually with zero interest. Such flexibility helps in managing finances without repayment burden.

6) Integration with wearable devices

The Internet of Things (IoT) is making its way into the finance sector. Credit cards can be linked to wearable devices like smartwatches. This can make transactions even more convenient and reduce the need to carry a physical card.

7) AI-powered customer service

Artificial Intelligence (AI) is transforming customer service in the credit card industry. Chatbots and virtual assistants are actively used to provide instant solutions to customer queries and concerns. They respond to queries with automated responses and are available 24×7. Such availability makes resolution quick and enhances the overall user experience.

8) Financial education and wellness

Credit card issuers are recognising the importance of financial literacy. Companies have started offering tools and resources to help customers learn about efficiently managing their finances, track spending, and improve their credit scores.

9) Personalisation and tailored rewards

The one-size-fits-all approach is fading away. Issuers are focusing on personalising credit card offers to cater to diverse customer needs. With travel rewards, cashback, dining discounts, entertainment benefits, etc., credit cards are becoming customisable to individual preferences and spending habits.

IndusInd Bank offers multiple credit cards with various rewards and benefits. The process to get a credit card is hassle-free and completely digital, saving you time and effort.

Benefits of IndusInd Bank Credit Cards

• No joining fees: Some IndusInd Bank Credit Cards do not require any joining fee. You just have to complete the application process and get your card delivered.
  
  
• Instant approval: The application for IndusInd Bank Instant Credit Cards is completely digital and is approved in no time. You can get your application approved from the comfort of your home.
  
  
• Ease of transactions: IndusInd Bank Credit Cards allow you to make purchases at various merchant locations, in-store and online. The amount spent can be converted to EMI to make repayment easier.
  
  
• Purchase protection: Certain credit cards provide purchase protection against unauthorised transactions, via IndusInd Bank’s Total Protect feature. This is beneficial in cases of theft or loss of your card.
  
  
• Cashback and Reward Points: IndusInd Bank Credit Cards offer rewards for spending, such as cashback, reward points, air miles or discounts. These rewards can be redeemed for various benefits, including travel, merchandise and gift cards. The best part is that the reward points earned on your IndusInd Bank Credit Cards do not expire, so you can redeem them whenever you want. You can even redeem these reward points for cash in your credit card account.
  
  
• Cash advances: You can withdraw cash from ATMs using your credit card in case of emergencies. However, cash advances often come with higher interest rates compared to regular purchases.
  
  
• You can use your credit card to make payments or transactions in a foreign currency at discounted forex markup rates. This saves you the stress of converting currencies and makes transactions easier.
  
  
• Grace period: The grace period is the time between the purchase date and the due date for the payment. If the outstanding balance is paid in full within the grace period, no interest is charged.
  
  
• Travel benefits: Some IndusInd Bank Credit Cards also offer travel-related benefits, such as travel insurance, airport lounge access, and discounts on flight and hotel bookings.
  
  
• Contactless payments: IndusInd Bank Credit Cards come with the ‘contactless payment’ feature. This feature allows you to make payments with a single tap – without the need to swipe your card or enter a PIN. All you need to do is tap your card on a machine or terminal which accepts contactless payments.

Conclusion

Credit cards have come a long way. The above-mentioned features show that credit cards in India have become an all-round financial product. A credit card can empower you to spend money without worrying about draining your bank account with immediate payments. From travel benefits to purchase protection, there is so much a credit card can do for you.

With the host of advantages IndusInd Bank Credit Cards offer, why wait any longer? Apply for a credit card online here.

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.

With the advent of the digital age, credit cards have become a basic need and cybercrimes a common menace. Imagine trusting a website with your credit card details. Next thing you know, your details are leaked costing you thousands of rupees. Devastating, right? Well, no more! At least not with the IndusInd Bank’s protection—Total Protect.

Total Protect is a first-of-its-kind program that covers you for a sum up to the credit limit on your IndusInd Online Credit Cards. These cards ensure that your purchases are secured against unforeseen events like fraudulent actions and cyber scams.

Let’s delve deeper into the benefits of card protection and see how IndusInd Bank has set the gold standard.

Why does purchase protection matter?

Purchase protection is an insurance program that protects against unauthorised transactions in the event of credit card loss or theft. It serves as a financial safety net, safeguarding an amount up to the credit limit available on your credit card.

You can rest easy with IndusInd Bank’s ‘Total Protect’ program, ensuring that you are covered for any fraudulent transactions in case of card loss or theft. Additionally, IndusInd Bank Credit Cards come with the perk of earning never-expiring reward points.

Benefits of IndusInd Bank Credit Cards

While there are many credit cards in the market, few offer the robust features found in the Online Credit Cards offered by IndusInd Bank.

• Instant approval: In today’s digital age, IndusInd Bank’s online credit card application process distinguishes itself with its simplicity. It’s not just seamless; it offers instant approvals, making the experience truly hassle-free.
  
  
• Everlasting : Unlike many other banks that have expiring reward points, IndusInd Bank Reward Points are everlasting and never expire. What’s more, reward points can be redeemed for cash in your credit card account.
  
  
• Lifetime-free benefit: As an added advantage for discerning consumers, certain IndusInd Bank Credit Cards offer a ‘lifetime-free’ feature. This means you never have to worry about paying any joining or annual fees while enjoying all the perks.

If you need a card that offers multiple benefits, you can then consider the IndusInd Bank Tiger Credit Card.

• Rewarding purchases: You get up to 6 for every ₹100 you spend. It is not just shopping; it is an investment.
• Movie buffs rejoice: You can avail of a complimentary movie ticket valued up to ₹500 once every 6 months through BookMyShow.
• Travel abroad with ease: You can enjoy reduced fees on overseas spending with a modest 1.5% foreign currency markup.
• Lounge in luxury: You can gain entry to domestic lounges twice quarterly and international lounges twice annually with the Priority Pass.
• Concierge services: Whether it is trip bookings or gift hunting, avail of round-the-clock assistance with the online concierge services provided by IndusInd Bank.

The Tiger Credit Card transcends the basic functionalities of a credit card to offer you a range of features tailored for a rewarding and comfortable lifestyle. Make a thoughtful choice based on your needs, and you could find that this card can act as an accessory to a life well-lived.

Conclusion

When it comes to comprehensive features and benefits, IndusInd Bank Credit Cards undoubtedly have a lot to offer. From never-expiring reward points to purchase protection, IndusInd Bank Credit Cards are a must. A credit card with purchase protection can provide peace of mind As unauthorised transactions and thefts become more frequent, this type of protection has now become a necessity.

So, why wait? Dive into the world of secure shopping. Apply now!

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.

A credit card can be much more than a convenient payment tool in today’s fast-paced world. It can also be a gateway to a world of rewards, privileges, and exclusive experiences. One such card that offers this enticing combination is the IndusInd Bank Platinum Aura Edge Credit Card. With a host of features and rewards tailored to meet the diverse needs of cardholders, this Credit Card is more than just a payment tool – it’s your key to a world of benefits. 

Let’s dive into the features and rewards that make the IndusInd Bank Platinum Aura Edge Credit Card stand out from the crowd. 

 
Features That Matter 
 

1. Lifetime Free: Many credit cards come with a joining fee and annual fee, but the IndusInd Bank Platinum Aura Edge Credit Card sets itself apart by offering a joining fee and annual fee waiver. This means that you can enjoy its benefits without incurring any additional costs for a lifetime. 
    
2. Fuel Surcharge Waiver: The cost of fuel can quickly fluctuate up, but with the IndusInd Bank Aura Edge Credit Card, you can enjoy a waiver of 1% on fuel surcharges at all fuel stations across India. This can lead to substantial savings for regular commuters. 
    
3. Flexible Reward Program: If you’re a frequent shopper, a regular traveller or anything in between, choose reward plans that suit your lifestyle. Earn accelerated rewards by choosing among 4 customised plans namely Platinum Aura Shop Plan, Platinum Aura Travel Plan, Platinum Aura Home Plan and Platinum Aura Party Plan. 

Rewards Galore 

1. Accelerated Reward Points: For every expenditure made with the IndusInd Bank Platinum Aura Edge Credit Card, you earn reward points. What sets this card apart is the accelerated points system, which means you earn 8x reward points on select merchant categories. 
    
2. Redeem for Vouchers: The reward points you accumulate can be redeemed for an exciting array of options on indusmoments.com. This includes shopping vouchers, merchandise, and even air miles, which can be a fantastic way to subsidize your travel expenses. 

Additional Benefits 

1. Travel Coverage: Life is unpredictable, and it’s essential to be prepared for any unforeseen events. The IndusInd Bank Platinum Aura Edge Credit Card offers air accident cover of up to ₹25 lakhs, which can provide peace of mind when travelling. You also get insurance coverage under the Travel Plus program, which covers you for lost baggage, lost ticket, loss of passport and more. 
    
2. EMI Conversion: Large purchases need not be a burden. The card offers the option to convert monthly credit cards into easy EMIs, allowing you to manage your finances more effectively. 
    
3. Protection from online frauds: Are you worried about online scams and fraudsters? Now get complete safety on your credit card with Total Protect, which covers you for a sum up to the credit limit of your primary and add-on cards. 

Conclusion 

In a fast-paced world where time is of the essence, the IndusInd Bank Platinum Aura Edge Credit Card also offers priority customer service, ensuring that your queries and concerns are addressed promptly. 

This blog has covered some of the standout features and rewards associated with the IndusInd Bank Platinum Aura Edge Credit Card. But there’s more to explore. Whether you’re a frequent traveler, a shopaholic, a foodie, or someone who simply enjoys reaping the benefits of their everyday expenses, this card has something for everyone. 

Enjoy the myriad of rewards and privileges that come with the IndusInd Bank Platinum Aura Edge Credit Card. Get instant approval by applying for the credit card online now. 

Apply Now 

 
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.