Credit Card - Apply for Credit Cards Online & Get Instant Approval

Documents needed for online credit card application

• No physical documents are required
• Keep your Aadhaar number and PAN card handy to speed up the application process
• Proof of residence if your current address is different form the one in Aadhaar

• What is a Credit Card?

  A credit card is a financial tool provided by banks that allows cardholders to borrow funds within a predefined credit limit. It offers the convenience of cashless transactions, both online and offline.

  Cardholders need to pay back the borrowed amount, either in full or through monthly instalments, along with any applicable interest and fees. Credit cards also come with various benefits such as, reward points, travel privileges, access to exclusive deals, and brand-specific benefits.

  IndusInd Bank offers a range of credit cards tailored to your unique needs. Our Credit Cards come with exciting reward programs, cashback offers, complimentary experiences, exclusive privileges like airport lounge access, travel insurance coverage, and more.

  Apply now to experience the convenience and benefits of an IndusInd Bank Credit Card today!

• Why should you apply for an IndusInd Bank Credit Card?

  Here are some reasons why you should apply for an IndusInd Bank Credit Card:

  • Wide Range of Cards: We have options to suit every lifestyle and preference.
  • Reward Points: Earn points that never expire on everyday purchases.
  • Offers and Cashback: Enjoy attractive deals, such as complimentary movie tickets, discounts on favourite brands and cashback on purchases.
  • Exclusive Privileges: Get access to airport lounges, complimentary golf games/lessons, concierge services, dining discounts, and more.

What’s more? You can apply for an IndusInd Bank Credit Card digitally! So, apply now!

• What are the steps to apply for an Instant Credit Card by IndusInd Bank?

  Applying for an instant Credit Card with IndusInd Bank is quite easy. Follow these steps:

  • Navigate to the IndusInd Bank Credit Card webpage and click on ‘Apply Now’. You can also run an online search to get easy access. 
  • Enter basic details like your name, mobile number, PAN Card details and verify your address to get started. 
  • You get various instant card options tailored to your needs. Choose an appropriate card as you see fit. 

Complete your application with instant Video KYC verification. Once the application is approved, you will receive the physical card within 24-48 hours.

• How to check Credit Card application status?

  When you apply for an IndusInd Bank Credit Card, the details you provide, such as your mobile number, get registered with us. We send regular alerts to you on your registered mobile number regarding your credit card application status. You can also reach out to us via our Helpline Number -1860 267 7777 or write to us at Premium.care@indusind.com

  In case you wish to resume your existing application, you can simply visit the application page and click on resume application option.

• How to activate an IndusInd Bank Credit Card?

  You can activate your IndusInd Bank Credit Card via our website, SMS, or our mobile app.
  
  To activate your Credit Card, you need to set up a PIN. You can do this by entering your card details and registered mobile number on our Credit Card Service Page or our app. Post this, you will receive an OTP. Once you verify the details by entering the OTP, your card is ready for use.

  Note that your card may come pre-activated for PIN-based domestic transactions.

• What are IndusInd Bank reward points and how can I use them?

  Credit card reward points are a feature offered by IndusInd Bank, where cardholders earn points for every purchase made using our Credit Card. You can accumulate these points over time and redeem them for various rewards, including gift vouchers, travel bookings, cashback, and discounts on future purchases.

  The rate at which you earn points, and the value of each point can vary depending on the credit card type and the specific reward program. IndusInd Bank offers various redemption options:

  • Visit the IndusMoments website and proceed as instructed. 
  • Pay for various expenses with the accumulated reward points.  
  • Credit the reward points as cash in your card account.

  You can also use our app to raise a request for redemption.

• What is a credit card balance?

  A credit card balance refers to the total amount of money you must pay to the credit card issuer. It is calculated based on your purchases, cash advances, fees charged to your account, and more. You can think of it as a direct indicator of your outstanding debt at any point.

  Your balance can increase with purchases and decrease with bill payments in a cycle. Any pending balance is taken forward to the next cycle, where it incurs interest.

• How to increase the IndusInd Bank Credit Card limit?

  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.

• What is a credit card statement?

  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.

• What are some of the lifetime free Credit Cards provided by IndusInd Bank?

  IndusInd Bank offers a range of lifetime free Credit Cards where the cardholder does not have to pay any annual fee or joining charges:

  • IndusInd Bank Legend Credit Card 
    With the Legend Credit Card, you enjoy reward points on everyday purchases (additional reward points on weekend spending), discounted foreign currency markup, fuel surcharge waiver, complimentary movie tickets up to ₹2,400, airport lounge access, and much more.
  • IndusInd Bank Platinum Aura Edge Visa/Master Credit Card: 
    Enter a world of best-in-class privileges with the Platinum card. Enjoy up to 8x reward points on select merchants, 1% fuel surcharge waiver, travel insurance coverage, contactless payments, and more. 
  • EazyDiner IndusInd Bank Platinum Credit Card: 
    Delight in delectable meals with discounts and offers suited to your needs. Enjoy 3 months of EazyDiner Prime membership, guaranteed discounts at over 2000+ restaurants, 500 welcome bonus EazyPoints, contactless payments, and more! 
  Make the most of these benefits with no added cost of annual/joining fees!

• Whom can I reach out to in case of queries/assistance required during the journey or post Credit Card issuance?

  We send regular alerts to you on your registered mobile number regarding your application status.

  You can also reach out to us via our Helpline Number -1860 267 7777 or write to us at Premium.care@indusind.com

• What are never expiring Reward Points?

  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.

• Can I apply for an add-on card?

  Yes, you can apply for an add-on card for your loved ones. With an add-on card, you can extend the benefits of your primary card, including the credit limit and reward points. Reach out to the bank or apply through our online platform by clicking here.

• How can I redeem my Credit Card reward points?

  You can redeem your Credit Card reward points in the following ways:

  • IndusMoments Website: Visit and follow the instructions to redeem your points.
  • Pay via Reward Points: Use your reward points to pay for various expenses.
  • Cash Credit: Credit the reward points as cash into your card account.

  You can also use our app to raise a request for redemption.

• How can I avail of my complimentary lounge/spa benefit?

  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.

• How can I avail of movie discounts on my IndusInd Bank Credit Card?

  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!

• How can I claim my welcome benefits?

  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.

• Does IndusInd Bank provide contactless Credit Cards?

  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.

• Can I use a credit card for UPI?

  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.

• Can I withdraw cash using my Credit Card?

  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.

• What is my Credit Card limit?

  Credit card limit is the maximum amount of money you can spend using your Credit Card.

  You can check your available credit limit with the help of IndusAlerts. Type BALE [space] [the last four digits of your card number] and send the SMS to 5676757 from your registered mobile number or you can also check your credit limit on the Bank’s Indus Mobile App.

• What is APR?

  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.

• How can I convert transactions to EMI?

  To convert your transactions into EMI, follow these steps:

  • Download the IndusMobile app.
  • Navigate to Credit Card transactions.
  • Select ‘Convert Outstanding to EMI’ and pick a suitable repayment plan.
  • Review the terms and conditions.
  • Confirm and wait for approval of your request.

  You will receive a confirmation message once approved.

  If you prefer paying by EMIs, you can also choose the IndusInd Bank Nexxt Credit Card, which is India’s first interactive card, where you have the flexibility to pay for your spends via EMIs.

• Which Credit Card transactions are eligible for EMI conversion?

  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.

• How can I view my Credit Card statement?

  You can use IndusAlerts to get your latest credit card statement by e-mail.

  To do so, simply SMS ‘ESMT’ [space] [last four digits of your card number] to 5676757. Make sure to send the SMS via your registered mobile number.

  You will soon receive your credit card statement in your e-mail inbox.

• Can I pay a Credit Card bill online via NEFT?

  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.

• What are the payment options available for paying IndusInd Bank Credit Card Bills?

  You can pay your IndusInd Bank Credit Card bill via:

  • 'Pay Now’ option on the IndusMobile App.
  • ‘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.

• How can I block my Credit Card?

  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 IndusMobile App

  • Log into the app.
  • Select the Service Request tab from the credit card details screen.
  • Choose the credit card you wish to block.
  • Choose Card Related Requests and continue.
  • Click block credit card.

  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.

• What should I do if my Credit Card gets lost, stolen, or damaged?

  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.

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