Does IndusInd Bank Offer Credit Cards Easily?

Posted on Tuesday, June 20th, 2023 | By IndusInd Bank

A credit card is an attractive financial tool that provides convenience and flexibility. However, credit card application process and approval criteria vary from bank to bank. In this blog post, we will explore IndusInd Bank credit card application process and analyze whether they offer credit cards easily. By understanding the factors involved and types of cards available, you can determine if getting a credit card from IndusInd Bank is easy and is a suitable option for obtaining a credit card.  

Why Should You Choose IndusInd Bank Credit Cards? 

Here’s are some of the reasons why you should consider choosing an IndusInd Bank Credit Card. 

• Simplified Application Process: Apply for an IndusInd Bank Credit Card effortlessly with 100% paperless process that can be completed from anywhere, at any time. 
   
• Lifetime Free Cards: IndusInd Bank offers various credit cards that are free for life and have no joining or annual fees involved. 
   
• Rewarding Benefits: Earn reward points on every transaction that never expire. Convert your points to cash credit for card bill payments and enjoy double reward points on weekends. 

• Exclusive Brand Offers: Unlock exclusive discounts and offers on a wide range of brands, including dining, entertainment, shopping, and healthcare. Save on top brands like BigBasket, EazyDiner, TATA 1MG, LG, Titan, and many more. 

• Enhanced Security: IndusInd Bank Credit Cards provide peace of mind with the unique Total Protect feature, safeguarding you against unauthorized transactions in case of loss or theft. 

• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at all fuel stations across India.  
  

Range of IndusInd Bank Credit Cards 

IndusInd Bank provides an array of Instant Credit cards designed to suit your lifestyle and preferences. Whether you’re a shopaholic, a food enthusiast, a frequent traveler, or someone who loves exploring new places, there’s a credit card that caters to your unique needs. Let’s take a closer look at the diverse range of cards offered by IndusInd Bank. 

• Legend: This LIFETIME-FREE credit card offers exceptional privileges in travel, dining, shopping, and entertainment. Enjoy exclusive brand offers, save up to ₹2,400 annually on fuel surcharges, and save up to ₹25,866 in rewards. With this card, you earn 1 reward point on weekdays and double the reward points (2 points) on weekends for every ₹100 spent. 
   
• EazyDiner: Get a complimentary 1-year EazyDiner Prime membership worth ₹2950 with this credit card. Experience a host of benefits including travel perks, entertainment privileges, insurance coverage, and more.  
   
• Nexxt: Experience India’s first interactive credit card, Nexxt, featuring interactive buttons and LED lights. Seamlessly switch between payment modes with a simple press of a button, ensuring convenient and hassle-free transactions anywhere. Enjoy annual savings of up to ₹960 on fuel surcharge and up to ₹24,100 on regular expenses.  
   

• Platinum Aura Edge: This credit card encompasses a wide range of features, including travel discounts, shopping deals, dining offers, and more. Customize your reward program as per your spending preferences and earn up to 4X reward points. The best part is that this card comes with Zero Joining Fee and Zero Annual Fee. 

• Platinum VISA: IndusInd Bank’s Platinum Visa Card offers a host of attractive features. Get 1% fuel surcharge waiver and earn 1.5 reward points for every ₹150 spent. Also, enjoy benefits such as insurance coverage for air accidents, lost card liability, and purchase protection. 
   
• Club Vistara: IndusInd Bank Club Vistara Explorer Credit Card is a co-branded card that offers numerous benefits and features to enhance your travel experience. Travel benefits include complimentary Club Vistara Gold membership, access to 600+ international lounges, zero forex markup charges, welcome vouchers worth ₹25,000 for luxury stays or shopping. 

Eligibility Criteria to get an IndusInd Bank Credit Card 

To get an IndusInd Bank, you must meet the following criteria. 

• Age: Minimum 21 years old at the time of application. The upper age limit is either 60 years or the retirement age, whichever comes earlier. 
  
• Income: The minimum monthly income requirement is ₹20,000 or higher. 
  
• Occupation: Both salaried individuals and self-employed individuals can apply for an IndusInd Bank Credit Card. 

• Credit Score: It is mandatory to have a good CIBIL score in order to apply for an IndusInd Bank Credit Card. 

How to Apply for IndusInd Bank Credit Card? 

1. Visit the IndusInd Bank Credit Card application page 

2. Provide your contact and PAN details 

3. Verify your address details 

4. Choose you card 

5. Complete Video KYC verification 

That’s it! IndusInd Bank application process is 100% paperless and you get instant approval within a few minutes.  

Conclusion 

While IndusInd Bank strives to provide a quick & seamless credit card application experience, the ease of obtaining a credit card ultimately depends on several factors, including your credit history, income stability, and meeting the eligibility criteria. The bank assesses these aspects during the application process to evaluate your creditworthiness and repayment capacity. To increase your chances of obtaining a credit card from IndusInd Bank, maintain a healthy credit score and showcase financial stability. By fulfilling the bank’s requirements and demonstrating responsible credit behavior, you can enhance the likelihood of being approved for a credit card. 

Apply Now!

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.