In today’s consumer-driven world, the ability to make large purchases without straining your finances is invaluable. One of the most popular ways to achieve this is through No-Cost EMI on credit cards. This financial tool allows you to spread the cost of your purchases over several months without incurring additional interest. In this blog, we will explore the concept of No-Cost EMI, its benefits, and why IndusInd Bank credit cards stand out as one of the best options for making big purchases on EMI.

What is No-Cost EMI?

No-Cost EMI, as the name suggests, is an EMI (Equated Monthly Installment) scheme where you don’t have to pay any additional interest on the principal amount. It allows you to split the cost of your purchase into manageable monthly payments without any extra charges. This makes it an attractive option for consumers looking to buy expensive items such as electronics, appliances, furniture and more.

How Does No-Cost EMI Work?

When you choose the No-Cost EMI option while making a purchase, the total cost of the item is divided by the number of months you select for repayment. For example, if you buy a laptop worth ₹60,000 on a six-month No-Cost EMI plan, you will pay ₹10,000 per month for six months, with no additional interest.

To make this possible, retailers and banks typically have an agreement where the retailer absorbs the interest cost, offering the customer a truly interest-free loan. However, it’s essential to read the terms and conditions carefully, as some schemes might involve processing fees or require you to forego certain discounts.

What are the benefits of No-Cost EMI?

1. Affordable Payments: Spread the cost of your purchase over several months without worrying about hefty interest rates.
2. Instant Approval: No extensive paperwork is needed; approval is often instant at the time of purchase.
3. Flexibility: Choose from various tenure options to suit your financial situation.
4. Increased Purchasing Power: Buy high-ticket items without waiting to save up the entire amount.
5. Credit Score Improvement: Regular and timely payments can help improve your credit score.

Why should you opt for IndusInd Bank Credit Cards for EMIs?

When it comes to leveraging EMIs for big ticket purchases, IndusInd Bank Credit Cards offer unmatched benefits and convenience. Here’s why:

1. Wide Network of Partner Merchants: IndusInd Bank has partnered with a vast network of merchants across various categories, ensuring you can avail yourself of No-Cost or low-cost EMIs on a wide range of products and services.

• Flexible Tenure Options: IndusInd Bank credit cards provide flexible tenure options, allowing you to choose a repayment period that best fits your budget.
  
  
• Minimal Documentation: Applying for No-Cost EMI with an IndusInd Bank Credit Card is straightforward, with minimal documentation and quick processing times.
  
  
• Exclusive Offers and Discounts: IndusInd Bank frequently offers exclusive deals and discounts for its credit card holders, making your shopping experience even more rewarding.
  
  
• Enhanced Security: IndusInd Bank credit cards come with robust security features, ensuring your transactions are safe and secure.

How to Avail No-Cost EMI with IndusInd Bank Credit Cards?

1. Check Eligibility: Ensure that the product you wish to buy is eligible for No-Cost EMI and that the retailer is a partner merchant with IndusInd Bank.
2. Select Tenure: Choose the repayment tenure that suits you best at the time of purchase.
3. Confirm Payment: Use your IndusInd Bank Credit Card to complete the purchase and select the No-Cost EMI option.
4. Enjoy Easy Payments: Pay the monthly installments as per the chosen tenure without any additional interest.

Conclusion

No-Cost EMI on credit cards is a powerful financial tool that can make your dream purchases more accessible and affordable. With IndusInd Bank Credit Cards, you not only enjoy the convenience of No-Cost EMI but also benefit from a host of additional features and rewards. Whether it’s the latest smartphone, a new laptop, or home appliances, IndusInd Bank Credit Cards provide the best-in-class options for all your big purchases.

Take advantage of the No-Cost EMI options available with IndusInd Bank credit cards and transform your shopping experience today!

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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.

Keeping a close eye on your credit card statement is crucial for maintaining financial health. Whether you’re a seasoned credit card user or new to the world of credit, regularly reviewing your statements can help you manage your finances more effectively, catch any errors or fraudulent activities, and stay within your budget. Here are nine essential things to check in your credit card statement, and why IndusInd Bank Credit Cards offer the best solution for simplifying payments and managing your finances efficiently.

#1. Statement Period

The first thing to verify is the statement period. This date range shows the period during which transactions were recorded. Ensure the transactions listed fall within the correct timeframe. IndusInd Bank Credit Cards provide clear and detailed monthly statements, making it easy to track your spending over specific periods.

#2. Opening and Closing Balance

Check your opening and closing balances to understand your total outstanding amount at the beginning and end of the statement period. These figures give you an overview of how much you owe and how much you have paid during the month.

#3. Minimum Payment Due

The minimum payment due is the least amount you must pay to avoid late fees and penalties. While it’s always better to pay off your full balance to avoid interest, knowing your minimum payment helps you stay compliant. IndusInd Bank Credit Cards ensure this information is prominently displayed for your convenience.

 # 4. Payment Due Date

 Mark your calendar with the payment due date to avoid late payment fees and potential impacts on your credit score. IndusInd Bank Credit Cards come with user-friendly online platforms and mobile app notifications to remind you of upcoming due dates, helping you stay on top of your payments effortlessly.

# 5. Transaction Summary

Review the transaction summary to verify all listed purchases, cash advances, and credits. Look for any unfamiliar transactions that could indicate fraud. With IndusInd Bank Credit Cards, detailed and itemized statements make it easy to spot discrepancies quickly.

# 6. Interest and Fees

Ensure you understand any interest charges and fees applied during the statement period. You must check out for any late payment fees, annual fees or Forex Markup. IndusInd Bank Credit Cards offer transparent fee structures, so there are no surprises when you receive your statement.

# 7. Reward Points and Benefits

If your credit card offers rewards or benefits, check the points you’ve earned and how you can redeem them. IndusInd Bank Credit Cards are known for their generous rewards programs, making it easy to earn and redeem points for a variety of benefits, including travel, shopping, and dining.

# 8. Credit Limit and Available Credit

Your credit limit is the maximum amount you can borrow on your credit card, while available credit is the amount still available to spend. Keeping track of these figures helps you manage your spending and avoid going over your limit. IndusInd Bank Credit Cards provide clear indicators of your credit limit and available credit, ensuring you’re always aware of your financial standing.

# 9. EMI Conversions

If you’ve opted for Equated Monthly Installments (EMI) on big purchases, review these details to ensure they are correctly reflected in your statement. IndusInd Bank Credit Cards offer easy EMI conversion options, and these are clearly outlined in your monthly statement for your reference.

Why Choose IndusInd Bank Credit Cards?

IndusInd Bank Credit Cards stand out for their simplicity and efficiency in managing payments and statements. Here are a few reasons why:

1. User-Friendly Statements: IndusInd Bank provides detailed, easy-to-understand monthly statements that help you track your expenses and payments with ease.
   
   
2. Flexible Payment Options: From full balance payments to easy EMI conversions, IndusInd Bank offers flexible payment solutions tailored to your needs.
   
   
3. Rewarding Benefits: Earn and redeem reward points that never expire effortlessly with IndusInd Bank’s comprehensive rewards program.
   
   
4. Enhanced Security: Robust security features ensure your transactions are safe and protected.

Regularly reviewing your credit card statement is an essential habit for financial health. With IndusInd Bank Credit Cards, managing your finances becomes simpler, more transparent, and highly rewarding. Whether it’s simplifying payments, earning rewards, or tracking expenses, IndusInd Bank Credit Cards are designed to provide you with the best possible experience. Stay informed, stay secure, and make the most out of your credit card with IndusInd Bank.

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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.

This is the age of digital payments. Unified Payments Interface (UPI) has revolutionized the way we handle money transactions, providing a seamless and instant way to pay bills, transfer funds, and much more. But one of the questions frequently asked by credit card users is: “Can I pay my credit card bill via UPI?” The answer is a resounding yes.

In this blog, we will explore how to pay your credit card bill via UPI, the benefits of doing so, and why IndusInd Bank Credit Cards are considered among the best in the market.

Paying Your Credit Card Bill via UPI: A Step-by-Step Guide

Paying your credit card bill via UPI is quite straightforward. Here’s what you need to know:

1. Choose Your UPI App: Open your preferred UPI-enabled app such as Google Pay, PhonePe, Paytm or your bank’s UPI app.
2. Select Bill Payment Option: Navigate to the ‘Bill Payments’ section. This option might be listed under different names like ‘Credit Card Payment’, ‘Bill Pay’, etc.
3. Enter Credit Card Details: Input your credit card number and the billing amount. Ensure the details are correct to avoid any issues.
4. Verify Details: Double-check the details entered, including the card number and the amount to be paid.
5. Complete the Payment: Confirm the payment using your UPI PIN. The amount will be debited from your bank account and credited to your credit card account.

Benefits of Paying Your Credit Card Bill via UPI

1. Convenience: Pay your credit card bill anytime, anywhere, without the need to visit a bank or use a specific banking portal.
2. Instant Transactions: UPI payments are processed instantly, ensuring timely bill payments and avoiding late fees.
3. Security: UPI transactions are secure, with multiple layers of authentication to protect your financial information.
4. Tracking: Easily track your payment history through your UPI app, ensuring transparency and easy record-keeping.
5. Low Cost: UPI transactions as of now are free of charge, making it a cost-effective way to manage your payments.

How to Add IndusInd Bank Credit Card As A UPI Biller?

To keep paying your IndusInd Bank Credit Card bill via UPI in a recurring manner, follow these steps:

1. Add IndusInd Bank as a Biller: In your UPI app, go to the ‘Add Biller’ section and select ‘Credit Card’. Choose IndusInd Bank from the list of available billers.
2. Enter Card Details: Input your IndusInd Bank Credit Card number and validate the details.
3. Set Up AutoPay: If your UPI app supports it, you can set up AutoPay to ensure your credit card bill is paid automatically every month, avoiding missed payments.
4. Make a Payment: Each billing cycle, you can initiate a payment by selecting your IndusInd Bank Credit Card biller and entering the amount due.

Conclusion

Paying your credit card bill via UPI is not only possible but also highly beneficial. It offers convenience, speed, and security, ensuring that you can manage your finances effortlessly. IndusInd Bank Credit Cards further enhance this experience with their flexible payment options, rich rewards program, and excellent customer service. Whether you are looking to simplify your bill payments or enjoy the numerous benefits of a top-tier credit card, IndusInd Bank Credit Cards are an excellent choice. Embrace the convenience of UPI payments and enjoy the best-in-class service with IndusInd Bank Credit Cards today.

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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.

Managing family expenses can be a challenge, especially when multiple members need access to credit for various purchases. Add-on credit cards, also known as supplementary cards, offer a convenient and effective solution. These cards allow primary cardholders to share their credit limit with family members, providing numerous benefits.

So, let’s explore why add-on credit cards are a smart choice for your family and what makes IndusInd Bank add-on credit cards an excellent option.

What are Add-On Credit Cards?

Add-on credit cards are supplementary cards issued under the primary cardholder’s account. They come with all the features and benefits of the primary credit card but are given to other family members such as spouses, children, or parents. These cards share the primary card’s credit limit, and the primary cardholder is responsible for paying the bill.

Benefits of Add-On Credit Cards

1. Centralized Management of Family Finances

Add-on credit cards allow you to consolidate family expenses into a single account. This makes it easier to track spending, manage budgets and pay bills, as all transactions are recorded on one statement.

• Controlled Spending

As the primary cardholder, you can set individual spending limits on each add-on card. This helps prevent overspending and ensures that each family member stays within their allocated budget.

• Shared Rewards and Benefits

All purchases made using add-on cards contribute to the primary card’s reward points, cashback, or other benefits. This maximizes the rewards earned and allows the entire family to enjoy the perks.

• Emergency Access to Funds

Add-on cards provide family members with access to credit in case of emergencies. This ensures they have financial support when needed, even if the primary cardholder is unavailable.

Why Choose IndusInd Bank Add-On Credit Cards?

IndusInd Bank add-on credit cards stand out for their numerous features and benefits, making them an ideal choice for families. Here’s why:

• Ease of Application

IndusInd Bank offers a simple and straightforward application process for add-on credit cards. Primary cardholders can easily request supplementary cards for their family members.

• Customizable Spending Limits

With IndusInd Bank add-on credit cards, primary cardholders can set and modify spending limits for each add-on card, ensuring better control over family expenses.

• Comprehensive Tracking and Statements

IndusInd Bank provides detailed statements that include transactions from both primary and add-on cards. This makes it easy to monitor spending and manage finances effectively.

• Extensive Rewards Program

All transactions made using IndusInd Bank add-on credit cards contribute to the primary card’s reward points. This means your family can collectively earn more reward points that never expire and enjoy exclusive offers & benefits.

• Advanced Security Features

IndusInd Bank ensures that all transactions made with add-on credit cards are secure. The cards come with advanced security features, including EMV chips and fraud detection systems, to protect against unauthorized use. 

• Global Acceptance

IndusInd Bank Credit Cards, including add-on cards, are widely accepted both domestically and internationally. This provides your family with financial flexibility wherever they go.

Now you can experience our all- new seamless and paperless digital journey to apply for Add-on Credit Card!

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Conclusion

Add-on credit cards offer a smart and efficient way to manage family finances, providing convenience, control, and shared benefits. IndusInd Bank add-on credit cards enhance this experience with their user-friendly application process, customizable spending limits, robust security features, and extensive rewards program. Empower your family with financial flexibility and enjoy the numerous advantages of IndusInd Bank add-on credit cards today.

Looking for a lifetime free credit card with plethora of benefits. Look no further than IndusInd Bank.

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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.

In the vast landscape of credit cards available in India, the IndusInd Bank EazyDiner Credit Card stands out as a premier choice for dining enthusiasts. Tailored specifically to enhance your culinary and lifestyle experiences, this card offers an array of benefits that cater to both your taste buds and your lifestyle needs. Here are five compelling reasons why you should consider adding this card to your wallet:

Free 1-Year EazyDiner Prime Membership Worth ₹2,495

One of the standout features of the IndusInd Bank EazyDiner Credit Card is the complimentary 1-year EazyDiner Prime membership. Valued at ₹2,495, this membership unlocks exclusive privileges that can transform your dining experiences. With EazyDiner Prime, you get access to a range of benefits including guaranteed reservations, additional discounts, and special perks like complimentary drinks, at some of the finest dining establishments across the country. This membership ensures that every meal is a memorable experience, making it a must-have for any food lover.

Exclusive Dining Discounts

The IndusInd Bank EazyDiner Credit Card offers an impressive 25% + 25% off at over 2,000 premium restaurants. This means you get an immediate 25% discount on your bill and an additional 25% off (up to ₹1,000) when pay via credit card on the app. These substantial savings allow you to indulge in gourmet experiences at top-tier restaurants without worrying about the cost. This card essentially pays for itself with the amount you save on dining out.

2 Complimentary Movie Tickets Every Month

Imagine enjoying a free movie outing every month! With the IndusInd Bank EazyDiner Credit Card, you get two complimentary movie tickets worth ₹200 each, every month on BookMyShow. Whether it’s a weekend blockbuster or a mid-week escape, this benefit adds significant value to your entertainment budget. It’s a perfect way to unwind after a delightful meal or simply enjoy the latest films without breaking the bank.

8 Complimentary Domestic Lounge Visits Annually

Travel in style and comfort with 8 complimentary domestic lounge visits each year. Airports can be stressful, but with access to premium lounges, you can relax and rejuvenate while waiting for your flight. Enjoy complimentary snacks, beverages, and a peaceful environment away from the hustle and bustle of the terminal. This benefit ensures that your travel experiences are as enjoyable as your dining experiences.

Fuel Surcharge Waiver

Frequent travelers will appreciate the 1% fuel surcharge waiver across India. This benefit not only helps you save money every time you fill up your tank but also makes your road trips and daily commutes more economical. It’s a small but significant saving that adds up over time, making this card beneficial even beyond dining and entertainment.

Conclusion

The IndusInd Bank EazyDiner Credit Card is more than just a credit card; it’s a gateway to an enhanced lifestyle. With exclusive dining privileges, complimentary movie tickets, lounge access, and fuel surcharge waivers, it offers a comprehensive package of benefits that cater to various aspects of your life. Whether you’re a foodie, a movie buff, or a frequent traveler, this card provides unmatched value and convenience. Apply for the IndusInd Bank EazyDiner Credit Card today and start enjoying the best dining experiences in your city.

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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.