Terms & Conditions for Taj Benefits offered to IndusInd Bank Savings Account

IndusInd Bank Limited (“Bank”) offers exclusive Taj benefits to eligible Grande and Pioneer Resident Savings Account holders.

Customers who satisfy the applicable Program Qualification Criteria and Debit Card Spend Criteria during the relevant eligibility period may receive the corresponding Taj benefit as detailed below.

Account Program	Taj Benefit	Entitlement
Grande	Taj Experiences Dining Voucher	Complimentary Buffet Meal for 2 at participating Taj Hotels (Primary Account holder+ 1 Guest)
Pioneer	Epicure Plus Membership	Complimentary Epicure Plus Membership for Primary Account holder

The Benefit is available once per eligible customer relationship during an account anniversary year, irrespective of the number of eligible accounts maintained under such relationship.

Benefit Period

The Benefit shall be applicable from 1st October 2026 until withdrawn, modified, or replaced by the Bank at its sole discretion.

To be eligible for the Benefit:

The customer must hold an eligible IndusInd Bank account variant as specified by the Bank.
The account must remain active and in good standing.
The customer must satisfy all eligibility criteria communicated by the Bank.
The customer must continue to meet the applicable qualification requirements at the time of benefit fulfilment.
For grouped relationships, eligibility will be determined based on the eligible Group Primary Customer. While eligible group balances may be considered for qualification, the benefit will be issued only to the eligible Standalone Customer or Group Primary Customer. Add-on members and non-primary customers are not eligible for separate benefit issuance.
Only debit card spends of the eligible Standalone Customer or Group Primary Customer will be considered for qualification. Debit Card spends by add-on members or other grouped relationship members will not be considered.
NTB (New-to-Bank) Customers: Eligible NTB customers will receive qualification opportunities during the second and third quarters following their account opening quarter, provided all applicable relationship value and debit card spend criteria are met.
ETB (Existing-to-Bank) Customers: Eligible ETB customers will be assessed during the quarter immediately preceding their program anniversary quarter based on the applicable qualification criteria.

The Bank reserves the right to determine eligibility at its sole discretion. The Bank may undertake additional eligibility validations before voucher issuance or membership fulfilment. If a customer is subsequently found to be ineligible or no longer satisfies the applicable qualification criteria, the benefit may be withheld, withdrawn, cancelled, or reversed, as applicable.

Benefits of Voucher

Benefits applicable under IndusInd Bank Epicure Plus Program

Exclusive voucher for One(1) night room stay including breakfast for two, at IHCL participating hotels.
Complimentary ½ kg cake upon dining on any day during the member’s birthday month.
Complimentary Taj InnerCircle Silver tier Membership upgrade.
Two(2) complimentary one-level room upgrade vouchers for one night.
One complimentary voucher with exclusive access to Taj Club Lounge for two.
One-time pool access with set lunch and wine at a special price of INR 3,000+tax per person for up to 4 guests*
Exclusive vouchers:
- One (1) voucher for 20% discount on Best Available Rate on Room/Suites at City & Resort Hotels – upto a maximum of 5 nights
- One (1) voucher for 20% discount on Best Available Rate at Taj Palaces on Room/Suites – upto a maximum of 5 nights
- One (1) voucher for 20% discount on Best Available Rate at Taj Safaris on Room/Suites – upto a maximum of 5 nights
Key features of the Membership include:
- 25% off on F&B – Dine-in & Takeaways
- 25% off on orders via Qmin App (Unlimited)
- 20% off on Spa at J Wellness Spas across participating hotels
All the above benefits and vouchers can be availed at the participating hotels.
The list of participating hotels are listed on: https://www.tajhotels.com/en-in/epicureprogram/participating-hotels

The list published on this website includes list of all participating properties under the IHCL Epicure program and same will apply for IndusInd Bank Epicure program. No separate list is published, and aforesaid consolidated list shall be deemed to include all eligible participating properties.

Benefits of Taj Experiences Dining Voucher

A meal voucher for 2 at participating IHCL All Day Dining outlets.
List of participating restaurants and terms & conditions: https://www.tajhotels.com/en-in/dining-program/dining-voucher

Benefit Fulfilment Details

The Bank shall endeavour to facilitate fulfilment within 30 calendar days from the end of the relevant eligibility assessment quarter. Actual delivery/activation may be subject to validation and fulfilment timelines of IHCL or its authorised fulfilment partner.

Customers qualifying for the Benefit will receive the applicable Taj All-Day Dining Experience vouchers or Epicure membership details directly from IHCL or its authorised fulfilment partner.
Taj Dining Vouchers shall be sent on the customer's registered email address as a voucher code and PIN.
Epicure Membership Kit shall be delivered physically to the customer's registered communication address available in Bank records.
Any benefit delivery timelines may vary depending upon fulfilment requirements.
Customers are advised to ensure that their registered mobile number, email address and communication address are updated with the Bank.
By availing or becoming eligible for the Benefit, the Customer acknowledges that the Bank may share such limited information relating to the Customer as may be reasonably necessary, including the Customer's name, registered mobile number, registered email address, correspondence address, customer/account programme category and/or benefit eligibility details, with Indian Hotels Company Limited ("IHCL") and/or its authorised service providers/fulfilment partners solely for the purposes of issuance, activation, delivery, administration, servicing and/or fulfilment of the applicable benefit(s), subject at all times to applicable law and the bank's privacy policy. IHCL and/or its authorised service providers shall process such information in accordance with applicable law and their applicable privacy terms.
In case of any queries, concerns, or assistance required regarding the Taj benefits, customers may contact IndusInd Bank Contact Centre by writing to reachus@indusind.com or calling the Bank's 24x7 Phone Banking service at 1860 267 7777.
For Epicure membership queries, please contact Epicure Member Services at 1800 102 6080 (available between 09:00 AM to 09:00 PM IST from Monday to Sunday), email us at epicure@ihcltata.com or reach us via WhatsApp at +91-8691005837.
For Taj All Day Dining Experience voucher queries, please contact Taj Experiences Gift Card Services at 1800 267 3288 (available between 10:00 AM to 07:00 PM IST from Monday to Sunday) or email us at giftcards@ihcltata.com.

Voucher validity, redemption process, participating hotels, blackout dates, exclusions and other usage terms shall be governed by IHCL and/or the voucher issuer and may be amended, substituted or withdrawn by IHCL in accordance with its applicable terms and conditions. The Customer shall be subject to the terms of the applicable programme prevailing at the time of redemption.
Customers are advised to review all applicable Taj Experiences Dining Voucher or Epicure membership terms & conditions before redemption.
Once issued, Taj benefits cannot be exchanged for cash, transferred, replaced or revalidated.
Lost, expired or unused Taj benefits shall not be re-issued by the Bank.

Taj benefits issued will be valid for a period of 12 months from date of issuance.
Unutilised benefits will lapse at the end of the expiry of the voucher.
Epicure Membership validity shall be governed by the respective Epicure membership program terms.
Dining, stay, room upgrade, spa and other privileges are subject to IHCL’s policies and availability.
Blackout dates, exclusions and restrictions may apply as determined by IHCL.

Customers must ensure that the following details registered with the Bank are accurate and updated:

Mobile Number
Email Address
Correspondence Address
The Bank and IHCL shall not be responsible for delays, failed deliveries or non-receipt of benefits arising from incorrect customer information.

Eligibility Criteria

To qualify for the applicable Taj Benefit, customers must satisfy:

The applicable Program Relationship Qualification Criteria, AND
The applicable Debit Card Spend Criteria

during the applicable eligibility assessment quarter.

Relationship Qualification Criteria at a glance:

Account Program	Relationship Qualification Criteria	Debit Card Spend Requirement
Grande	Option 1: Savings Account AQB of ₹5 Lakhs OR Option 2: Combined AQB across Savings Accounts, Current Accounts and Fixed Deposits of ₹25 Lakhs	₹25,000 per eligibility quarter
Pioneer	Option 1: Combined AQB across Savings & Current Accounts (including Grouped accounts) of ₹10 Lakhs OR Option 2: Net Relationship Value (NRV) of ₹30 Lakhs with minimum Savings Account AQB of ₹1 Lakh	₹25,000 per eligibility quarter

Net Relationship Value (NRV) for PIONEER includes:

Current Account Average Quarterly Balance (AQB)
Savings Account Average Quarterly Balance (AQB)
Fixed Deposits AQB (3-month rolling average)
Mutual Funds and Investment Products' Original Invested Value (active investments only)
Insurance Premiums of active policies (excluding single-premium policies)
IndusInd DP Account Average Quarterly Balance (3-month rolling average)

Net Relationship Value (NRV) for PIONEER Private includes:

Current Account Average Quarterly Balance (AQB)
Savings Account Average Quarterly Balance (AQB)
30% of Fixed Deposits AQB (3-month rolling average)
Mutual Funds and Investment Products' Original Invested Value (active investments only)
30% of Insurance Premiums of active policies (excluding single-premium policies)
30% of IndusInd DP Account Average Quarterly Balance (3-month rolling average)
30% of disbursed value of Consumer Assets (LAP, LAS, HL, Vehicle Loan, PL disbursed amount) (Disbursal amount to be considered within last 5 years)

The Bank shall determine and calculate NRV based on its records and internal methodology prevailing at the time of assessment.

A. Customers who opened their Savings Account On or Before 30 September 2026 (to be considered as ETB)

Customers who opened an eligible account on or before 30 September 2026 shall be assessed once every year; during the quarter immediately preceding their account anniversary quarter.

Eligibility Requirement

During the eligibility assessment quarter, customers must satisfy:

Applicable program relationship qualification criteria, AND
Applicable debit card spend criteria

Illustration

Account Opening Quarter	Anniversary Quarter	Eligibility Assessment Quarter
Jan-Mar 2026	Jan-Mar 2027	Previous Quarter (Oct-Dec 2026)
Apr-Jun 2026	Apr-Jun 2027	Previous Quarter (Jan-Mar 2027)
Jul-Sep 2026	Jul-Sep 2027	Previous Quarter (Apr-Jun 2027)
Oct-Dec 2025	Oct-Dec 2027	Previous Quarter (Jul-Sep 2027)

B. Customers who opened their Savings Account On or After 1 October 2026 (to be considered as NTB for 12 months and thereafter as ETB from their account opening quarter)

Customers who open an eligible account on or after 1 October 2026 shall be assessed in the immediate next calendar quarter after onboarding.

Eligibility Requirement

During the eligibility assessment quarter, customers must satisfy:

Applicable program relationship qualification criteria, AND
Applicable debit card spend criteria

Illustration

Account Opening Period	Eligibility Quarter	Benefit Fulfilment Timeline
Oct-Dec 2026	Jan-Mar 2027	On or before 30th April 2027
Jan-Mar 2027	Apr-Jun 2027	On or before 31st July 2027
Apr-Jun 2027	Jul-Sep 2027	On or before 31st October 2027
Jul-Sep 2027	Oct-Dec 2027	On or before 31st January 2028

Re-assessment for Customers Not Qualifying in Initial Quarter (only for Customers who opened their Savings Account On or After 1 October 2026)

Customers who do not meet the applicable eligibility criteria during their first eligibility assessment quarter shall be reassessed in the immediate subsequent calendar quarter. If the customer satisfies both the applicable program relationship qualification criteria and debit card spend criteria during such subsequent assessment quarter, the eligible voucher benefit shall be issued as per the prescribed fulfilment timeline.

Illustration:

Customer opens an eligible account in Oct-Dec 2026.
First assessment is conducted in Jan-Mar 2027.
If eligibility criteria are not met during Jan-Mar 2027, the customer will be reassessed in Apr-Jun 2027.
Upon meeting the eligibility criteria during Apr-Jun 2027, the voucher shall be issued on or before 31st July 2027.

Note: New-to-Bank (NTB) customer will be provided ONLY one additional eligibility assessment opportunity in the immediate next calendar quarter following an unsuccessful initial assessment. Thereafter, the customer will transition to the Existing-to-Bank (ETB) assessment track, and eligibility for voucher fulfilment will be assessed as per the customer’s account opening anniversary quarter and the applicable ETB program criteria.

The Benefit shall not be available:

Where the Bank Account is blocked, frozen, dormant, closed or otherwise not in good standing as per Bank’s decision.
To customers who cease to meet the eligibility criteria before voucher fulfilment.
In cases involving fraud, misuse, suspicious activity or breach of Bank policies.
Where required customer information is unavailable or invalid.
Current Account holders, Non-Resident External (NRE) Account holders, Non-Resident Ordinary (NRO) Account holders, Other Non-Resident account variants, Joint holders who are not the primary account holder are excluded from this benefit.

For determining the Debit Card Spend Criteria, a transaction shall be considered in the eligibility assessment period based on the date on which the transaction is successfully posted/settled in the Bank's records. Transactions pending, declined, cancelled, reversed or refunded shall not qualify.

Where a transaction that was considered for determining eligibility is subsequently reversed, cancelled, charged back or refunded, the Bank reserves the right to reassess the Customer's eligibility and, where the Customer no longer satisfies the eligibility criteria, cancel or withdraw the Benefit to the extent operationally feasible.

The following transaction types may be considered toward the spend requirement:

Domestic & International Point-of-Sale (POS) purchases
Domestic & International E-commerce transactions
undertaken using an active IndusInd Bank Debit Card linked to the eligible primary account.
Debit Card spends on cards linked to add-on accounts (non-primary) will not be counted towards eligible spend criteria.
ATM transactions will not be eligible for this offer.
Any transaction reversed/refunded in either full/partial, will not be considered valid for this offer.

General Terms & Conditions

Participation in the Benefit is entirely voluntary.
Any customer availing the Benefit shall be deemed to have read, understood and accepted these Terms & Conditions.
The Benefit is offered at the sole discretion of the Bank.
The Bank reserves the right to modify, suspend, withdraw or discontinue the Benefit or amend these Terms & Conditions at any time without prior notice.
Where any Benefit is issued or credited erroneously, more than once, as a result of technical or operational error, fraud, misrepresentation or otherwise to a Customer who was not eligible to receive such Benefit, the Bank reserves the right, subject to applicable law, to cancel, reverse or request withdrawal of such Benefit and/or take such other corrective steps as may be reasonably necessary.
All Epicure Plus membership benefits are governed by the terms & conditions of the Epicure Programme Terms and Conditions as available on https://www.tajhotels.com/en-in/epicureprogram
All Taj Experiences Dining Voucher are governed by the terms & conditions of as available on https://www.tajhotels.com/en-in/dining-program
The Bank’s role shall be limited to determining the Customer’s eligibility for the Benefit and facilitating the same to IHCL and/or its authorised fulfilment partner. The issuance, utilisation and redemption of the voucher/membership and the underlying Taj/Epicure benefits shall be undertaken by IHCL and governed by IHCL’s applicable terms and conditions. Accordingly, these Terms & Conditions shall govern eligibility for the Benefit, while IHCL’s terms shall govern its issuance, utilisation and redemption.
The products and services available under the Benefit are provided by IHCL and/or its participating hotels/service providers. The Bank does not make any representation or warranty regarding the quality, suitability, availability, merchantability or fitness of such products or services. Any dispute relating to the actual provision or quality of the underlying hospitality service shall be addressed with IHCL, without prejudice to any rights available to the Customer under applicable law.
The Bank shall not be responsible for any deficiency, dispute, delay, cancellation or issue arising from services provided by Taj Hotels or any third-party fulfilment partner.
The Bank's decision regarding eligibility, fulfilment and interpretation of these Terms & Conditions shall be final and binding.
All applicable taxes, duties, levies or charges, if any, shall be borne by the customer.
Any queries regarding the Benefit may be raised through IndusInd Bank Contact Centre at 1860 267 7777 or by writing to reachus@indusind.com.
Meeting the eligibility criteria shall entitle the Customer only to the Benefit expressly specified for the applicable Account Program and shall not confer any right to any other benefit, compensation, cash equivalent or substitute benefit, unless expressly communicated by the Bank.
These Terms & Conditions shall be governed by the laws of India and subject to the exclusive jurisdiction of courts at Mumbai.
Nothing contained herein shall amount to a commitment by the Bank to continue the Benefit indefinitely.

Frequently Asked Questions (FAQs)

1. Who is eligible for the Taj Benefit Program?

Resident Savings Account holders enrolled under Indus Grande, Indus Pioneer, or who satisfy both the applicable relationship qualification criteria and debit card spend criteria.

2. Are Current Account holders eligible?

No. The benefit is available only to eligible Resident Savings Account holders. Current Account-only customers are not eligible for benefit issuance.

3. Are NRI customers eligible?

No. NRE, NRO, and other Non-Resident account holders are not eligible.

4. Is the benefit available to joint account holders?

No. The benefit is issued only to the eligible Standalone Customer or Group Primary Customer. Joint holders are not eligible for separate benefit issuance.

5. Can an add-on member receive a separate benefit?

No. Add-on members are not eligible for separate voucher or membership issuance.

6. How is eligibility determined for grouped relationships?

Eligibility is determined based on the eligible Group Primary Customer. While eligible group balances may be considered for qualification, the benefit is issued only to the eligible Group Primary Customer.

7. What happens if the Group Primary Customer is a Current Account or Non-Resident customer?

The relationship will not be eligible for Taj benefit issuance under the current offer construct.

8. What is Net Relationship Value (NRV)?

NRV represents the overall value of a customer's banking and investment relationship with the Bank and is calculated as per the Bank's prevailing methodology.

9. Do I need to meet both relationship and debit card spend criteria?

Yes. Both conditions are mandatory for qualification.

10. What debit card spend is required?

Grande: ₹25,000 per quarter
Pioneer: ₹25,000 per quarter
Pioneer Private: ₹10,000 per quarter

11. Which debit card transactions qualify?

Eligible domestic and international POS purchases and e-commerce transactions undertaken using the eligible debit card linked to the primary account.

12. Do ATM withdrawals qualify?

No. ATM transactions are excluded.

13. Do refunded, reversed, or disputed transactions qualify?

No. Refunded, reversed, disputed, cancelled, chargeback, or reversed transactions are not considered eligible spends.

14. Can debit card spends of family members or group members be combined?

No. Only spends of the eligible Standalone Customer or Group Primary Customer are considered.

15. How often can I receive the Taj Benefit?

The benefit can be earned once during an account anniversary year, subject to qualification.

16. How are ETB customers assessed?

ETB customers are assessed during the quarter immediately preceding their account anniversary quarter.

17. How are NTB customers assessed?

NTB customers receive qualification opportunities during the second and third quarters following their account opening quarter.

18. What if an NTB customer does not qualify during the first assessment opportunity?

The customer may be assessed again during the subsequent eligible qualification quarter.

19. Which account opening date is considered for assessment?

The opening date of the first account mapped to the Standalone Customer ID or Group Primary Customer ID will be considered.

20. If a customer upgrades to Grande or Pioneer, is eligibility determined from the upgrade date?

No. Assessment and issuance are based on the original account opening date and not the upgrade date.

21. If I become eligible for a higher program during the year, will I receive the benefit immediately?

No. Eligibility assessment and issuance are performed as per the applicable assessment cycle.

22. When will the benefit be issued after qualification?

Eligible customers will generally receive the benefit within 30 calendar days after the assessment quarter, subject to validation and fulfilment timelines.

23. Can a customer receive separate vouchers for Grande and Pioneer accounts within the same group?

No. The benefit is available once per eligible relationship and is determined by the program of the eligible Group Primary Customer.

24. How will I receive the Taj voucher details?

The voucher or membership details will generally be sent to the registered email address and/or mobile number recorded with the Bank.

25. Who fulfils the Taj benefit?

The benefit is fulfilled by IHCL and/or its authorised fulfilment partner following Bank validation.

26. What is the validity of the voucher or membership?

The voucher or membership is valid for up to 12 months from the date of issuance, subject to applicable Taj terms and conditions.

27. Can the benefit be transferred to another person?

No. The benefit is non-transferable.

28. Can the Taj voucher be exchanged for another Taj product or membership tier?

No. The issued benefit is fixed based on the eligible program and cannot be substituted, upgraded, or exchanged.

29. Can a lost, expired, or unused voucher be reissued?

No. Lost, expired, or unused vouchers will not be reissued unless expressly permitted.

30. Must the customer continue to satisfy eligibility criteria at the time of fulfilment?

Yes. Customers must continue to meet all qualification requirements at the time of fulfilment.

31. Can the benefit be cancelled after qualification?

Yes. The Bank reserves the right to cancel or reverse benefits if eligibility conditions are subsequently found not to be met.

32. What benefit will I receive under the Taj Benefit Program?

Grande: Taj All-Day Dining Experience Voucher
Pioneer: Epicure Plus Membership

33. Is there any benefit on eligible remittance transactions?

Grande: 75 paise discount
Pioneer: 90 paise discount

Applicable only on eligible remittance transactions processed through branches.

34. How will Salary Customer be eligible to avail this benefit?

To avail of this benefit, Salary Account customers must continue to meet the eligibility criteria of their respective account programme and achieve the required debit card spending threshold during the eligibility quarter.

35. Who should customers contact for assistance?

For any assistance related to IndusInd Bank account eligibility or benefit qualification, please contact IndusInd Bank Customer Care at 1860 267 7777 or email reachus@indusind.com.

For assistance related to Epicure membership, please contact Epicure Member Services at 1800 102 6080 (09:00 AM to 09:00 PM IST, Monday to Sunday), email epicure@ihcltata.com, or WhatsApp +91-8691005837.

For queries related to the Taj All-Day Dining Experience Voucher, please contact 1800 267 3288 (10:00 AM to 07:00 PM IST, Monday to Sunday) or email giftcards@ihcltata.com.