Whether you are a frequent flyer or an occasional traveller, an airline credit card can unlock a world of benefits for you. From free airline miles, airport lounge access, travel insurance, to exclusive perks, the right airline credit card can offer convenience and luxurious benefits to your air travel experience. 

Let’s explore the key benefits of airline credit cards, what to look for when choosing one, and why IndusInd Bank offers some of the most rewarding credit cards for air travel enthusiasts in India.

Benefits of Airline Credit Cards

Airline credit cards aren’t just about racking up miles—they unlock a world of privileges that make every journey more comfortable and cost-effective. Here’s how:

1. Earning Air Miles

One of the biggest advantages of an airline credit card is the ability to earn air miles or reward points on your everyday spends. These miles can later be redeemed for free flights, seat upgrades, or even hotel stays. The more you use your card, the more miles you accumulate—making every transaction count towards your next getaway.

2. Exclusive Travel Perks

Imagine breezing through airport queues or unwinding at a plush lounge before your flight. Airline credit cards often come with perks like complimentary lounge access, priority check-in, and even concierge services. Some premium cards also offer travel insurance, lost baggage cover, and emergency travel assistance.

3. Partnership Benefits

Many airline credit cards are linked to major airlines or global frequent flyer programs, giving you access to co-branded benefits. From discounted fares to bonus miles when booking with partner airlines, these collaborations enhance your travel experience at every step.

4. Flexible Redemption

Gone are the days when redeeming miles was a hassle. Today, most airline credit cards offer flexible redemption options. You can use your accumulated points or miles to book flights, upgrade to business class, or even redeem them for hotel stays and lifestyle purchases—making it easy to travel on your terms.

How to Choose the Best Airline Credit Card?

With so many options out there, picking the right airline credit card can feel overwhelming. Here’s a quick guide to help you choose the one that fits your travel lifestyle.

1. Rewards Program

Check how the card’s rewards system works. Do you earn miles on all purchases or only on travel spends? Are there accelerated rewards for booking flights or staying at certain hotels? The better the rewards structure, the faster you’ll earn free travel.

2. Annual Fees

Premium cards often come with higher annual fees—but they also offer unmatched benefits. Evaluate whether the perks (like lounge access or bonus miles) justify the fee. Some cards may also offer a fee waiver based on your annual spend.

3. Travel Perks

Look for cards that elevate your travel experience—like complimentary lounge access, priority boarding, free check-in baggage, or airport transfers. These features can save you money and make your journey more enjoyable.

4. Foreign Transaction Fees

If you travel internationally, make sure your card has low or no foreign currency mark-up fees. This can significantly reduce your costs when spending abroad.

Also Read: All You Need to Know About Travel Credit Cards

IndusInd Bank Credit Cards – for Air Travel Aficionados

If flying is your passion, IndusInd Bank offers a suite of credit cards tailored for the travel-savvy Indian. Here are three standout options designed to reward your wanderlust:

1. Legend Credit Card

With the Legend Credit Card from IndusInd Bank, you enjoy the following air travel perks:

• Access to airport lounges across India and the world.
• Travel insurance coverage. 
• Concierge assistance for flight booking, hotel reservations, and sports and entertainment events booking, amongst others.
• Discounted foreign currency markup, and more. 

2. IndusInd Bank Avios Visa Infinite Credit Card

An ultra-premium metal credit card offering world-class exclusive benefits like:

• Power to choose between Qatar Airways Privilege Club or British Airways Executive Club.
• Opportunity to earn up to 50,000 Avios points every year.
• Freedom to redeem Avios points for hotel stays, car rentals, and more.
• Up to 10% discounts on flight bookings (for relevant airlines only).
• Access to domestic and international airport lounges. 
• Meet-and-greet services for smooth check-in, security, immigration, and more.

3. Pinnacle World Credit Card

This airline credit card from IndusInd Bank comes with benefits like:

• VIP access at 700+ lounges across the world (under the Priority Pass programme)
• Concierge assistance for pre-trip information, hotel reservations, flight bookings, exclusive events booking, etc. 
• Travel insurance coverage, and more. 

What’s more? IndusInd Bank also offers lifetime-free credit cards with travel benefits! So, enjoy travel perks without paying joining or annual fees! 

Note that credit card benefits are subject to specific memberships and charges, as well as terms and conditions. Please review these before using your credit card for the same.

Wrapping Up

Whether you’re traveling for work, leisure, or a bit of both, an airline credit card can unlock real value and turn your journeys into rewarding experiences. With the right card in your wallet, every flight, every purchase, and every mile brings you closer to your next adventure.

So fly smarter with an airline credit card that truly works for you. Apply Now!

While credit cards are a useful tool, they are often targets of fraud and misuse. These concerns can affect both the customer and the credit card-issuing bank. 

To prevent such issues from occurring and to ensure credit cards continue to be a safe mode of payment, tools such as the credit card validatorhave come up in recent times. 

A credit card validator is a tool that helps verify the authenticity of credit card details. It helps ensure transactions are secure and legitimate. Let’s learn more. 

What is a Credit Card Validator?

• A credit card validator, also referred to as a CC validator, is an online tool or software that checks the validity of credit card information.

• It verifies details such as the card number, expiry date, and CVV (Card Verification Value) to ensure they conform to the standards set by card issuers.

• A credit card validator with CVV verification is effective in enhancing security. It confirms the card’s security code along with other details.

• A validator tool verifies the card number using the Luhn algorithm, amongst other things. The Luhn algorithm is a simple checksum formula used to validate a variety of identification numbers.

• In addition, the tool can also identify the type of card (Visa, MasterCard, etc.) based on the card number’s initial digits.

How to Use a Credit Card Validator?

Here’s a step-by-step guide to using a credit card validator:

1. Access the Validator

Visit a reliable credit card validator website or use a software application that offers this service.

2. Enter Credit Card Details

Input the required credit card information, including the card number, expiry date, and CVV.

3. Initiate the Validation

Click on the ‘Validate’ or ‘Check’ button to start the validation process.

4. Review Results

The credit card validator will process the information and display the results. It validates the card details against the information provided.

Please avoid entering sensitive information on untrusted platforms.

Also Read: Understanding Credit Card CVV Importance and Functionality

Understanding How Credit Card Validators Work

The process starts with checking the details using several key elements, such as the Issuer Identification Number (IIN), Personal Account Number (PAN), Main Industry Identifier (MII), Luhn algorithm, and checksum validation. 

The credit card validator uses an algorithm to verify the credit card number against a set of rules fixed within the system. If the credit card number does not conform to the accepted format, the online credit card validator will reject it. 

Advanced CC validators also carry out real-time checks with card networks to confirm the card’s status. It checks if a user has reported a credit card for loss or theft.

Benefits of Using Credit Card Validators

Using a CC validator offers several benefits for customers and banks:

1. Enhanced Security

Helps in preventing fraudulent transactions by ensuring only valid and active cards are used.

2. Reduced Chargebacks

Banks can reduce chargebacks because of invalid card details. This can help them save on costs and maintain credibility.

3. Improved Customer Trust

Increased security leads to better customer trust and improves their shopping experience.

4. Efficiency in Transactions

Validators simplify the payment process by identifying valid cards and reducing transaction time.

5. Compliance

Helps businesses comply with industry security standards.

Conclusion

Securing your credit card transactions is important. A credit card validator can be a simple yet effective solution to combat credit card fraud and ensure secure payments.

While credit card validators are useful tools, choosing the right credit card-issuing bank is non-negotiable. 

IndusInd Bank offers secure credit cards with enhanced card security for worry-free transactions. In addition, we also offer Total Protect insurance coverage, which protects you from financial losses and unauthorised transactions in case of loss/theft of your credit card. 

Apply Now for a Credit Card from IndusInd Bank for safe and seamless transactions 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.

Losing your credit card or criminals getting hold of it can be stressful. However, it is important to take swift action to minimise any potential damage and secure your finances. Knowing the right next steps to take can save you from headaches and financial losses down the line.

Steps to Take When Your Credit Card is Lost or Stolen

Here are some immediate steps to take in case of a lost or stolen credit card:

1. Report the Lost or Stolen Credit Card

Contact your credit card issuing bank as soon as you realise your credit card is missing. Most banks have 24/7 customer service lines for reporting a lost or stolen credit card. Reaching out to your bank on time can prevent unauthorised transactions and protect your account.

To reach out to an IndusInd Bank representative, you can connect on these helpline numbers: 022 68577777 / 022 44066666 / 022 42207777 / 1860 267 7777.

2. Freeze Your Credit Card

Some banks offer the option to freeze your credit card temporarily or permanently through their mobile app or online banking platform. This feature can prevent new transactions on your missing credit card until the bank issues a replacement. 

3. Monitor Your Account

Keep monitoring your account statements and transaction history. Look for any unauthorised charges and report them to your bank at the earliest. Detecting any unfamiliar transactions can help reduce the chances of losses.

IndusInd Bank offers several ways to block your credit card in case of unauthorised transactions:

• Via IVR/ Phone Banking
• Via IndusNet 
• Using IndusMobile app
• Using SMS. 

For more details, click here. 

4. File a Police Report

In case of a stolen credit card, you need to file a police report. This can be useful for disputing fraudulent charges. Sometimes, the bank may also require a report for their investigation.

5. Request a Replacement Card

Ask your bank to issue a new credit card as a replacement for the lost credit card. Update any automatic payments or subscriptions with your new card information.

6. Check Your Credit Report

You must review your credit report regularly to ensure there are no unauthorised accounts opened in your name. You can also report the lost or missing credit card to the credit bureau to add an extra layer of security.

7. Update Your Passwords and Security Information

Change the passwords and PINs associated with your online banking and credit card accounts. This can help prevent unauthorised access to your accounts.

Also Read: Credit Card Transaction Failed – Money Debited? Here’s What to Do

IndusInd Bank Total Protect Insurance Program – Coverage for Your Credit Card

IndusInd Bank understands how important financial security is to you. That’s why the bank offers the Total Protect Insurance Program, a comprehensive protection plan for your credit card. 

• The Total Protect program provides coverage against unauthorised transactions in case of card loss or theft. This coverage also extends to add-on cards. 

• Total Protect covers you for an amount equal to your credit limit. It ensures you are not liable for fraudulent transactions made on your card as per the specified policy. 

• The program protects you against such transactions for up to 48 hours before reporting your lost credit card.

With the assurance of IndusInd Bank’s Total Protect, you can enjoy better peace of mind and financial security. 

Conclusion

Losing your credit card or having it stolen can be a daunting experience. However, one must take immediate action to mitigate risks and protect their finances. Report the loss, monitor your account, and consider opting for IndusInd Bank’s Credit Card offerings to enjoy comprehensive insurance coverage. Alongside, also enjoy high reward points, exclusive privileges, contactless features, complimentary movie tickets, airport lounge access, and more! 

Apply now for aCredit Card online with IndusInd Bank and protect your peace of mind now! 

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.

Grocery shopping is an unavoidable expense, but when done correctly, it can be rewarding. Using a credit card for grocery shopping in the right manner can help you save money, earn reward points, and even manage your budget, all the while helping you stock up your pantry. 

This blog explains how to use your credit card for grocery shopping smartly.

How to Optimise Your Credit Cards for Grocery Shopping

Here’s how you can get the most out of your grocery spending: 

1. Choose the Right Credit Card

Selecting the right credit card is the first step towards optimising your grocery shopping. To choose the best credit card for grocery shopping, look for cards that offer reward points on everyday purchases. Some cards provide cashback while others offer reward points that can be redeemed for numerous benefits. 

IndusInd Bank offers a range of Credit Cards you can utilise for grocery shopping. Depending on the card, you can enjoy 1 reward points for every ₹100 spent on weekdays if you use IndusInd Legend Credit Card. What’s more? If you shop for groceries on the weekend, you can earn more reward points. 

Make the most of your grocery shopping with an IndusInd Bank Credit Card. 

2. Utilise Cashback and Reward Points with Care

Redeem your cashback and reward points with consideration. Some cards allow you to use points directly at the checkout. However, others may offer higher value when redeemed for gift cards or travel. Review whether your credit card’s rewards program aligns with your lifestyle needs to maximise your benefits.

3. Make the Most of Bonus Point Promotions

Many credit cards offer bonus reward points or cashback for grocery purchases during specific periods or at select supermarkets. Keep an eye out for these promotions and time your big grocery purchases accordingly.

4. Track Your Spending

Keep your monthly budget in mind when using your credit card for grocery shopping. While a credit card is a useful tool, it is crucial to track your expenses and avoid overspending on groceries. Set a budget and stick to it. You can also use an expense tracker to note the spending and set alerts. 

5. Pay Your Balance in Full

You must pay off your credit card balance in full and on time each month.  Paying off your credit card balance in full and on time each month guarantees that the reward points you have earned will not be adjusted against the interest charges. It also helps in keeping your credit score healthy.

6. Check for Special Discounts and Offers

Banks may often partner with brands, including grocery stores, to provide exclusive discounts and offers to cardholders. Stay updated with these promotions through your credit card’s website or app to take advantage of extra savings. 

7. Consider a Credit Card with No Annual Fee

A card with no annual fee might be beneficial if you extensively use your credit card for grocery shopping. This way, you would not have to worry about offsetting the fee with your reward points. IndusInd Bank offers several lifetime-free cards with no joining or annual fees that are ideal for everyday spends. 

Also Read: The Role of Credit Cards in Personal Finance

Conclusion

Using a credit card for grocery shopping can be a smart financial move. One must research the best credit card for grocery shopping and consider the points discussed in this blog to make the most out of their grocery purchases. Remember to pay your balance in full to avoid interest charges and leverage any exclusive offers available to you.

Consider applying for a Credit Card with IndusInd Bank to optimise your grocery shopping and to claim other exclusive privileges. Enjoy complimentary movie tickets, airport lounge access, fuel surcharge waiver, comprehensive insurance coverage, and more. 

Apply Now for a Credit Card with IndusInd Bank now and turn your everyday purchases into  rewarding experiences! 

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.

Curious why more people are opting to use credit cards over debit cards or cash? This is because such cards offer rewards, as points and cashback, and provide better fraud protection and purchase protection. Also, credit cards can help in building an excellent credit record, which is vital for securing loans at favourable rates and processing charges in the future.

To learn about such benefits of credit card payments and understand why they may be the best option for your financial transactions, continue reading.

1)     High Flexibility and Convenience

One benefit of paying with a credit card is the convenience it provides. You do not have to carry massive amounts of cash, and you can make transactions anywhere at any time. Whether you are shopping at a store or online, a credit card offers the flexibility to purchase what you need when you need it. Credit cards eliminate the requirement to visit ATMs or keep a wallet full of cash, making transactions hassle-free and seamless.

2)     Reward Programs

There are distinct types of credit cards in the market that come with reward programs. Such programs allow you to earn cashback, points, or air miles for every transaction you make. For instance, with the IndusInd Bank EazyDiner Platinum Credit Card, you can earn EazyPoints for dining and enjoy top-notch discounts at premium restaurants. These reward programs make payment with a credit card not just convenient but also financially rewarding.

Crucial welcome dining benefits offered by IndusInd Bank EazyDiner Platinum Credit Card include:

• 500 welcome bonus EazyPoints.
• Three-month EazyDiner Prime membership worth ₹1,095.
• Assured 25% up to 50% off at over 2000 plus premium restaurants and bars.
• Prime-exclusive benefits like 2x EazyPoints with the provision to redeem them for free luxury hotel stays and meals.

Apply for this credit card today to enjoy these dining benefits and more! 

3)     Security

Credit cards offer enhanced security that safeguards you against fraud. If your card gets stolen or lost, you can report it instantly and avoid unauthorised handling. Also, most credit cards, including the IndusInd Bank EazyDiner Platinum Credit Card, come with protection covers.

Such cards offer an insurance cover of up to 48 hours before you report the loss of your credit card to the bank. Protection is also offered against counterfeit fraud. Counterfeit fraud is when your card details are stolen and used unscrupulously. This level of security and protection gives you mental peace, knowing your finances are protected.

4)     Establishing a Credit Record

Using a credit card in a disciplined manner helps build your credit record, which is necessary for future financial requirements like loans. Regular and timely repayment of your credit card dues and loan Equated Monthly Instalments (EMIs) can improve your credit score, demonstrating to lenders that you are a reliable borrower. An excellent credit record opens more opportunities for quick loan approvals and better interest rates.

5)     Contactless Payments

Contactless credit card payments offer a convenient, fast, and secure way to perform purchases by simply tapping your card at the merchant shop. This feature is especially useful for daily and small transactions.

With your IndusInd Bank EazyDiner Platinum Credit Card, you can:

• Enjoy faster daily payments at merchant shops that accept contactless payments.
• Be assured of safe online shopping and e-commerce transactions.
• Book movie tickets, travel tickets, and pay utility bills seamlessly.
• Shop at over 10 lakh domestic merchant shops and over 30 million outlets worldwide that accept payment through card.

Also Read: The Role of Credit Cards in Personal Finance

Ending Note

Paying with a credit card offers numerous benefits, including rewards, convenience, credit building, security, and the ease of contactless payments. Note that the EazyDiner Platinum Credit Card by IndusInd Bank stands out with its exclusive dining privileges and advanced contactless payment benefits, making it a prudent choice for your transactions.

So, are you ready to make the most out of the credit card payment benefits? Opt for the IndusInd Bank EazyDiner Platinum Credit Card today and make your transactions safer, faster, and more rewarding!

Apply now!

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.