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All posts by Vinayak

Credit Card

Top 5 Credit Cards to Own in 2023

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Credit cards are an essential part of our daily lives, providing us with the convenience of making payments, earning rewards, and accessing a range of benefits. With so many credit cards available in the market, it can be challenging to choose the right one that fits all your needs. However, IndusInd Bank offers a range of credit cards with unique features to cater to distinctive needs of different individuals. In this blog, we’ll look at the top 5 credit cards to own in 2023 from IndusInd Bank. 

  1. IndusInd Bank Legend Credit Card 

IndusInd Bank Legend Credit Card is a premium credit card that is designed to provide a range of benefits and privileges to the cardholder. Experience top-notch privileges across travel, dining, shopping, and entertainment categories. Avail exclusive deals on premium brands and enjoy significant savings of up to ₹2,400 on fuel surcharges. Earn reward points on all transactions using the IndusInd Bank Legend Credit Card and utilize them as per your preference. You can earn 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends.  

Furthermore, if you spend ₹6,00,000 or more within one year of receiving your IndusInd Bank Legend Credit Card, you will receive a bonus of 4,000 reward points. In addition, enjoy up to three free movie tickets every month with BookMyShow’s buy one get one offer and access over 600 VIP airport lounges worldwide with a complimentary Priority Pass. And finally, with a complimentary personal air accident insurance cover of up to Rs 25,00,000, you can travel with peace of mind and be protected with Legend Assurance safety. 

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  1. IndusInd Bank Nexxt Credit Card 

This is a truly unique payment card that will change the way you interact with your credit card. With in-built buttons and LED lights, you can easily switch between multiple payment options, making it a one-of-a-kind experience. This is the only credit card in India that offers such an amazing and unique feature, making it truly exceptional. But that’s not all that sets this credit card apart. You can also enjoy significant savings of up to ₹24,100 on your regular spends and up to ₹960 savings on fuel surcharge every year. With these features, IndusInd Bank Nexxt Credit Card is the perfect choice for those who want a unique payment experience and want to save money on their regular spends. You can earn 1 reward point for every ₹150 spent, allowing you to accumulate points quickly and easily.  

If you love movies, you will appreciate the buy one get one free offer on BookMyShow.com, which enables you to claim up to 2 free movie tickets every month. You can also save money on fuel with a 1% fuel surcharge waiver on all fuel stations across the country, providing annual savings of up to ₹960.Additionally, you also get complimentary personal air accident insurance cover of up to Rs 25 lakh, giving you peace of mind when traveling. 

  1. IndusInd Bank EazyDiner Credit Card 

If you are a foodie who loves to dine out and explore new restaurants, then IndusInd Bank Eazy Diner Credit Card is the perfect choice for you. This credit card offers a range of dining benefits at top restaurants across the country, making it a foodie’s best friend. But that’s not all. IndusInd Bank Eazy Diner Credit Card is packed with many other exciting benefits across categories, including travel, entertainment, fuel, and more. It is an intelligent card that provides you with an analysis of your spending by month, merchant, charge amounts, and several other categories, making it easy for you to keep track of your expenses.  

As a welcome gift, you get to enjoy FREE one-year EazyDiner Prime membership worth ₹2950, which provides access to exclusive discounts and offers at over 2000 top restaurants and bars across the country. In addition to the dining benefits, you will receive 2000 welcome bonus EazyPoints and an exclusive Postcard Hotel stay voucher worth ₹5,000. This credit card also offers two complimentary domestic airport lounge access every quarter, where cardholders can relish on their favourite meals. And for movie lovers, the IndusInd Bank Eazy Diner Credit Card provides two complimentary movie tickets every month worth ₹200 each on bookmyshow.com. 

  1. IndusInd Bank Platinum Aura Edge Credit Card 

If you are in search of a credit card that offers rewards, discounts, and benefits all in one, look no further than the IndusInd Bank Platinum Aura Edge Credit Card. This card offers discounts on travel, deals on shopping, offers on dining out, and much more. But that’s not all – you can even choose your own reward program based on your preferences. Whether you’re a shopping lover, utility bill payer, frequent traveler, or a party-goer who loves dining out and watching movies, there’s a reward plan that suits you. With Platinum Aura Shop Plan, Platinum Aura Home Plan, Platinum Aura Travel Plan, and Platinum Aura Party Plan, you can tailor your rewards to your lifestyle.  

You can earn up to 4X reward points on select merchant categories for every ₹100 spent. The card also offers complimentary travel insurance cover from ICICI Lombard General Insurance Company Limited with a sum assured of up to ₹1 lakh. In addition, you also get to enjoy 1% fuel surcharge waiver on all fuel stations across India. 

  1. IndusInd Bank Platinum Visa Credit Card 

This credit card is designed for individuals who want a value credit card to enjoy benefits and rewards across categories. You can earn 1.5 reward point for every ₹150 spent using this card, allowing you to accumulate points quickly. Enjoy a waiver of 1% on fuel surcharge at any petrol pump in the country, helping you save money on your travels. Additionally, IndusInd Bank Platinum Visa Credit Card also provides a complimentary personal air accident insurance cover of up to INR 25 lakh and complimentary travel insurance cover from ICICI Lombard General Insurance Company Limited with a sum assured of up to ₹1 lakh.  

One unique feature that is common across all IndusInd Bank Credit Cards is that these all come backed with the ‘Total Protect’ program. With this, you can rest easy knowing that any fraudulent transactions made with your card will be fully covered. Total Protect includes coverage for unauthorized transactions in case of card loss or theft. IndusInd Bank offers insurance coverage up to 48 hours prior to the loss of your card being reported. Additionally, the program protects you from counterfeit fraud, where your card or card details are stolen and used for fraudulent purposes.  

With all the information presented above, you will now be confident in choosing the right credit card that matches your lifestyle and requirements. Click the button below to start your 100% paperless application process. 

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. 

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Personal Loan

Personal Loan: 8 tips to choose the Right Personal Loan

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A personal loan can be a great way to finance various expenses, such as home renovation, medical bills, study expenses, or consolidating high-interest debts. However, choosing the right personal loan can be a daunting task, especially if you’re not familiar with the process. In this blog post, we’ll discuss how to choose the right personal loan for your needs. 

  1. Determine your borrowing needs 

Before applying for an instant personal loan, it’s important to determine your borrowing needs. This includes figuring out how much money you need, what the money will be used for, and how long you’ll need to repay the loan. It’s also important to consider your ability to repay the loan, considering your income and expenses. 

  1. Look for the best rates and terms 

Once you’ve determined your borrowing needs, it’s time to shop around for the best personal loan interest rates and terms available to you. Check with multiple lenders to compare interest rates, repayment terms, and other fees associated with the loan. Make sure to understand the terms before accepting any loan offer. 

  1. Consider your credit score 

Your credit score is an important factor that lenders use to determine your eligibility for an instant personal loan and the interest rate you’ll be charged. A higher credit score typically means better loan terms, such as lower interest rates and longer repayment periods. If you have a lower credit score, you may want to consider working on improving it before applying for a loan. 

Get instant approval and quick disbursal with IndusInd 100% Paperless Digital Loan
Get instant approval and quick disbursal with IndusInd 100% Paperless Digital Loan
  1. Know your options 

There are two types of personal loan options: secured and unsecured. Secured loans require a guarantor or collateral to secure the loan. On the other hand, unsecured loans don’t require collateral but may have slightly higher interest rates than secured ones. However, if you are stuck in a  situation with no security or collateral, then IndusInd Bank offers instant personal loan at attractive interest rates. 

  1. Know the fees associated with the loan 

In addition to interest rates, a personal loan may also have other fees, such as processing fees, prepayment penalties, and late payment fees. It’s important to understand the different types of fees and factor them into your budget when choosing a loan. 

  1. Consider the lender’s reputation 

When making a decision, it’s important to consider the lender’s reputation first. Look for reviews and ratings from other customers to get an idea of their customer service and reliability. You can also research on internet to see if there are any complaints against the lender. 

  1. Read the fine print 

Before accepting any loan offer, make sure to read the fine print and understand the terms and conditions. This includes the interest rate, repayment term, fees, and any other important details. 

  1. Check for prepayment penalties 

Some lenders may charge prepayment penalties if you pay off the personal loan early. If you plan to pay off the loan before the end of the repayment term, make sure to check if there are any prepayment penalties. 

In conclusion, choosing the right personal loan requires careful consideration of your borrowing needs, shopping around for the best rates and terms, understanding the types of loans available, knowing the fees associated with the loan, considering the lender’s reputation, reading the fine print, checking for prepayment penalties, and comparing different offers. By following these tips, you can choose the right personal loan for your needs and budget. 

As discussed earlier in the blog, if you’re looking for an instant personal loan at best-in-class rates, then do check out IndusInd Bank Personal Loan that is mindfully designed to fit into the varied needs of individuals as per their lifestyles. With IndusInd Bank Personal loan, you get to enjoy instant approval, quick disbursal, and flexible repayment tenure options. That’s not all, its application process is 100% paperless with minimal or low processing fee*. 

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. 

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