Apply for Credit Cards

You can block your IndusInd Bank credit card in four ways: using IVR/Phone Banking, Net Banking, Mobile Banking and SMS. Follow the below-given steps to block your IndusInd Bank credit card:

Using IVR/Phone Banking 

Call 1860 267 7777 to block your credit card on the IVR. You can also talk to our Phone Banking Officer to block your credit card. 

Using IndusNet 

• Login to IndusNet and click on the Service Requests tab.
• Next, select Credit Card Requests 
• Click the Credit Card Blocking Request button.
• Select the credit card you want to block, enter the reason for blocking, and press Submit.

Using IndusInd Bank Mobile App – INDIE

Temporarily freeze your card or permanently block it if lost or stolen, giving a complete control over your card’s security.

Using SMS

To immediately block your credit card, SMS BLOCK <SPACE><Last four digits of your credit card number> to 5676757 from your registered mobile number.

You must report the loss, theft, or damage of your Credit Card to the bank immediately.

In case of loss or theft, you can block the card by calling at 1860 267 7777. You can also use your IndusMobile app to block the card. You can also send an SMS - BLOCK [space] [the last four digits of your card number] and send to 5676757 from your registered mobile number.

Some of the IndusInd Bank Credit Cards also come with the assurance of Total Protect – an insurance programme that provides coverage up to the credit limit on your card. This is handy in case of unauthorised transactions due of loss/theft of your card. You must report the card loss/theft within the stipulated time frame to be eligible for compensation.

Look for joining or annual fees, interest, late-payment and cash-advance charges, EMI processing or foreclosure fees, foreign-currency mark-up and applicable taxes. Fees vary by card, so check the Key Fact Statement, MITC and current schedule of charges.

CVV stands for Card Verification Value. It is used to authenticate online transactions. Visa, Mastercard and RuPay cards generally have a three-digit CVV on the back, while American Express cards have a four-digit CVV on the front. Your CVV is different from your PIN and should never be shared with anyone.

Yes, IndusInd Bank provides a range of Contactless Credit Cards. Few of the popular ones include:

• IndusInd Bank Legend Credit Card
• IndusInd Bank Platinum Aura Edge Visa/ Master Credit Card
• IndusInd Bank Nexxt Credit Card
• EazyDiner IndusInd Bank Platinum Credit Card

Enjoy hassle-free and secure transactions with chip-based Contactless Credit Cards from IndusInd Bank.

Yes, you can use a Credit Card for UPI payments, as per the card’s policies.

The IndusInd Bank Platinum RuPay Credit Card allows you to transact via UPI and earn reward points on those transactions as well!

Simply open your UPI-enabled app, add the IndusInd Bank Platinum RuPay Credit Card, and set up the PIN. All UPI transactions done using the Card will reflect in your credit card statement.

Yes, you can withdraw cash using your Credit Card.

Go to a nearby ATM, insert your credit card into the ATM, and then follow the on-screen instructions.

Please note that you are required to pay an additional fee when you use a credit card to make a cash withdrawal. Bank charges 2.5% of the amount you withdraw using a credit card as a credit card cash advance fee. Credit card cash advance fee is subject to change based on periodic review by IndusInd Bank. Since cash withdrawal transactions attract interest charge from the date of transaction, it is recommended to settle the same at the earliest possible to minimize the outgo towards interest charges.

You can convert either a specific transaction or your outstanding credit card balance into easy EMIs after paying the minimum amount due. Simply log in to the IndusInd Bank Mobile Banking App or use any authorised banking channel, select the eligible transaction or outstanding balance, choose your preferred EMI tenure, review the applicable charges and total repayment amount, and confirm your request. Once approved, the amount will be converted into EMIs and billed accordingly.

Credit-card cash withdrawal is rarely free. The applicable fee and interest depend on the card’s current schedule, and interest may start from the withdrawal date. Check the charges first and avoid cash advances unless absolutely necessary.

A direct transfer is generally not a free bank-transfer facility. Some cards may offer a cash advance or pre-approved loan-on-card, but fees and interest can apply. Check for an authorised facility from the issuer instead of using third-party workarounds.

Yes, if the insurer or payment portal accepts credit cards. Check for convenience fees and whether the transaction earns rewards or qualifies for EMI. Eligibility, tenure, interest and other charges depend on the current card offer and terms.

Use your credit card for eligible transactions covered under its rewards programme. You earn additional points on selected categories or milestone spends, but the earning rate, exclusions and caps vary by card. Check the specific card’s reward terms, as transactions such as fuel spends may not qualify for points.

Yes, you can use a credit card to purchase gold jewellery if the merchant accepts card payments. Before making the purchase, check whether the transaction qualifies for rewards or EMI conversion, as the terms vary by card. Some jewellery transactions may not be eligible for EMI conversion on certain cards.

Check your card’s product page and the latest lounge list to confirm the number of complimentary visits, eligible airports and any applicable spending criteria. At the lounge, present your eligible IndusInd Bank Credit Card for validation.

IndusInd Bank PIONEER Private Credit Card and PIONEER Heritage Credit Card offer unlimited domestic and international lounge access, while the Celesta Credit Card offers unlimited complimentary domestic lounge access. Please note, these benefits remain subject to the latest card terms, participating lounges and applicable spending criteria.

You can increase the credit limit on your IndusInd Bank Credit Card by contacting our Customer Support. You may have to provide details about your income, employment, and why you wish to increase the credit limit.

You must also have a good credit score/history and showcase responsible use of your existing credit limit. If you have had a positive relationship with the bank, the chances of your credit limit increasing may also be high.

There is no single IndusInd Bank Credit Card that guarantees the highest credit limit for every customer. The limit is assigned individually and depends on factors such as income, credit history, repayment behaviour and the Bank’s internal credit review.

You can contact IndusInd Bank Customer Support to request a credit limit increase. The Bank asks for details such as your income, employment and reason for the request. A good credit history, timely payments, responsible card usage and a healthy credit profile can improve your chances, subject to the Bank’s review.

A credit card statement is a detailed summary of the transactions of your credit card over a specific billing period. The statement includes information about the opening and closing balance, total amount due, minimum amount due, payment due date, and more. Details regarding purchases, payments, credits, and any fees or interest charged on the card are also available in the statement.

Depending on your bank, your credit card statement may also include the available credit limit, credit utilisation, and reward points earned during the billing cycle.

One must review their credit card statement regularly to:

• Track their spending and plan card usage accordingly.
• Identify any unauthorised transactions.
• Ensure timely payments to avoid late fees and interest charges.

With IndusInd Bank, you can access your credit card statements online, with just a few steps via our IndusMobile app.

Yes, you can pay your Credit Card bill via NEFT. If you have an IndusInd Account, you can pay it directly through our internet banking portal or through our app.

If you have a savings account with a bank other than IndusInd Bank that offers online NEFT funds transfer, you can use it to pay your IndusInd Bank Credit Card bill. This provides a convenient way to manage and settle your credit card payments from any bank account.

How it works:

• Login to the internet banking facility of your bank and go to their online funds transfer module.
• Add your IndusInd Bank credit card as a beneficiary to receive the funds transferred (without any space or special character)
• Initiate an online funds transfer with the IndusInd Bank credit card as the beneficiary.

You can pay your IndusInd Bank Credit Card bill via:

• ‘IndusInd Credit Card Payment' on IndusNet, our net banking portal.
• ‘Pay Bill’ option on the INDIE app by IndusInd Bank.
• Visa Money Transfer.
• Online payments/NEFT/ Paytm.
• NACH facility.
• Auto-Debit Facility.
• SWIFT Transfer (for international payments)
• Cheque/draft drop boxes.

You can also pay your Credit Card bill via cash at one of our branches. Please check if the branch offers this facility before heading for it.

The APR or Annual Percentage Rate represents the total interest applied to your unpaid balance during a billing cycle. You can consider it as the annual cost of borrowing funds on your credit card.

For instance, if the APR on your credit card is 20%, you will incur an interest rate of 20% on any outstanding balances you carry in that year. 

Note that even though the APR is a yearly rate, it is charged on your outstanding balances monthly. The higher the APR, the more interest you will pay on the outstanding balances. Hence, it is advisable to clear the outstanding dues at the earliest.

The type of Credit Card transactions eligible for EMI conversion varies as per the card.

Most cards have a minimum transaction limit for EMI conversion, as well as a list of expense categories that are not eligible for conversion. Fuel expenses, for instance, may not be considered for conversion into EMIs.

For example, with the IndusInd Bank Nexxt Credit Card, transactions made for jewellery, fuel, and ATM transactions are not eligible for EMIs. The minimum transaction amount limit for the Nexxt Credit Card also stands above ₹ 2,000.

Open the PDF in a trusted reader and enter the password shared in the statement email or SMS. If you cannot find it, check the original communication, request the statement again through authorised channels or contact customer care.

Yes. Interest rates for revolving credit and cash advances range from 1.79% to 3.95% per month, depending on the card. Interest is calculated daily on the outstanding balance.
If previous dues are cleared and the Total Amount Due is paid in full by the due date, the interest-free period applies to eligible transactions. Cash withdrawals attract interest from the date of withdrawal.

The Minimum Amount Due is the minimum amount shown on your monthly statement that must be paid by the due date. It is not the same as clearing the full outstanding balance.

As per the current formula, it includes 100% of EMIs, GST, fees, finance charges and over-limit amounts, along with 2% of eligible retail spends, cash advances or the remaining balance outstanding. Paying only the minimum amount can increase the interest burden and extend repayment.

If the Total Amount Due is not paid, interest is charged on the outstanding balance. If the Minimum Amount Due is also not paid by the due date, late payment charges apply based on the outstanding balance.
Continued non-payment can affect your credit history, result in the card account being reported as past due and lead to withdrawal of credit facilities.

With IndusInd Bank, you can earn reward points that never expire on everyday transactions. Depending on your Credit Card, you can earn up to 10X reward points on transactions done through your card.

These reward points do not carry an expiry date. You can redeem these points whenever you want, or you can even convert them for cash against your credit card bill. This allows you to make the most out of your daily expenses as well as upgrade your lifestyle.

To avail of complimentary airport lounge access, one can simply present/swipe their eligible IndusInd Bank Credit Card at the point of entry.

A nominal fee of ₹2 may apply to validate the card, post which the Bank will approve the Card, and the cardholder can gain access.

One must note the complimentary services available with the lounge access benefit. Certain services, such as massage service or spa, may incur additional charges.

To avail of movie discounts/complimentary movie tickets, one must book tickets through our partner, BookMyShow.

• Follow the ticketing flow to select your movie, cinema, and show on the BookMyShow website. 
• On the payment page, enter your IndusInd Bank Credit Card details. 
• Accept the terms and conditions, check 'Avail Discounts & Offers', and select the IndusInd Bank offer. 
• Click  'Apply Offer'.

Enjoy your discount!

You will receive an SMS once you are eligible for the Welcome Gift (once you have settled the joining fees). Then, you must send a request for the dispatch of the Welcome Gift within a stipulated time frame. 

Upon receipt of the request, the Bank will SMS the process of how to redeem the e-gift voucher.