How do you choose the right IndusInd Credit Card?

Posted on Saturday, October 21st, 2023 | By IndusInd Bank

Browsing through credit card options to find “the one” can be overwhelming. But no need to worry! IndusInd Bank has an array of credit card offers designed to suit your individual needs. Whether you are a frequent traveller, a foodie, or someone looking for payment flexibility, this article will help you choose the right IndusInd credit card.

But before you do that, let’s have a look at why a credit card is the next step in your financial journey.

The importance of having a credit card

Wondering why get a credit card in the first place? Here’s how a credit card can benefit you.

1. Provides financial flexibility: You can pay for unexpected expenses without running out of money or disturbing your savings.
   
   
2. Helps build credit score: Timely repayment of credit card bills enhances your credit score. This can make it easier to get loans or increase the credit limit on your card in future.
   
   
3. Offers rewards and bonuses: You can earn reward points, get cashback, and enjoy special offers on various stores and brands.
   
   
4. Has global usability: You can use your credit card to shop around the world or online with ease.

Now you know that a credit card can provide you with financial flexibility and freedom. Let’s see how you can choose the best card for your needs!

Understanding your needs: The first step in making a choice

The first step is to analyse and understand your financial habits, lifestyle, and needs. Here are some questions to ask yourself:

• Spending habits: What constitutes most of your spending? Is it on groceries, travel, fuel, or retail therapy? Have a look at your monthly bank statement to understand your expenses.
  
  
• Financial goals: Are you looking to maximise savings via discounts and cashback? Or, are you looking for better financial management?
  
  
• Lifestyle preferences: Do you often dine out, travel, or partake in luxury experiences? Or, do you only spend money when necessary?

These questions will make it easier for you to narrow down your options and apply for a credit card online.

Select the most suitable card

Choosing the right credit card means examining the unique selling points (USPs) of each card. IndusInd Bank offers a diverse range of cards tailored to different lifestyles. Let’s dive into each of these in detail to understand their USPs and which fits you the best.

For food enthusiasts: EazyDiner Credit Card

USP: Exclusive dining discounts and complimentary dishes

The IndusInd Bank EazyDiner Credit Card offers multiple dining benefits. Enjoy a complimentary premium alcoholic drink at over 200 select restaurants, along with a guaranteed 25% off on your dining bills. At certain restaurants, an added 25% discount awaits.

Additionally, this card gifts you a 1-year EazyDiner Prime membership, worth ₹2,495. Plus, for reservations made via the EazyDiner app, you’re entitled to an immediate 25% discount (up to ₹1000).

You get a ₹5000 gift voucher at The Postcard Hotel and complimentary domestic airport lounge visits every quarter. You also get two free movie tickets monthly worth ₹200 each on BookMyShow. Additionally, enjoy the convenience of a 1% fuel surcharge waiver across all fuel stations in India.

For the tech-savvy: IndusInd Bank Nexxt Credit Card

USP: Convert purchases into EMIs with a single touch

IndusInd Bank has come up with India’s first interactive credit card—the IndusInd Bank Nexxt Credit Card. The innovative LED buttons allow you to select from diverse POS payment methods like Credit, Rewards, or EMI. You can earn 1 Reward Point for every ₹150 spent, get a 1% fuel surcharge waiver, and avail of exclusive entertainment deals on BookMyShow, including two free movie tickets worth up to ₹200 every

With just a tap at compatible merchant locations, transactions become effortless. Moreover, the card is accepted globally, allowing you to shop at over 30 million merchant outlets worldwide.

For the luxury seeker: IndusInd Bank Legend Credit Card

USP: Lifestyle experiences like concierge services and airport lounge access

The IndusInd Bank Legend Credit Card offers a contactless and unique design for fast and secure everyday transactions. You can earn 1 reward point on weekdays for every ₹100 spent. On weekends, you earn 2 points for every ₹100 spent. You will get 4000 Bonus Reward points if you spend ₹6 lacs or more annually. Additionally, you get a reduced foreign currency markup of 1.8% and a fuel surcharge waiver.

For the traveller: IndusInd Bank Platinum Visa Credit Card

USP: Customisable rewards and global usability

The IndusInd Bank Platinum Visa Credit Card offers 1.5 reward points for every ₹150 spent, applicable to a variety of expenses from groceries to travel bookings.

You also get comprehensive travel insurance, covering lost or delayed baggage, passport loss, ticket loss, and missed connections. The Total Protect feature offers purchase protection from unauthorized transactions, in case of loss or theft. Additionally, cardholders receive complimentary air accident insurance coverage of up to ₹25 lakhs.

For flexibility: IndusInd Bank Platinum Aura Edge Credit Card

USP: Choose your reward categories

IndusInd Bank Platinum Aura Edge Credit Card is designed to offer tailored rewards based on where you spend the most. You can earn up to 8x points at select merchants for every ₹100 spent. With this credit card, you also get four customizable reward plans. Here are the details of these plans:

1. Platinum Aura Shop Plan focuses on rewarding your shopping expenses.
2. Platinum Aura Home Plan rewards you when you shop for household items.
3. Platinum Aura Travel Plan is for frequent travellers, offering points on travel-related expenses.
4. Platinum Aura Party Plan lets you earn as you enjoy your social life.

You get purchase protection with the ‘Total Protect’ feature along with a 1% waiver on fuel surcharges across all petrol pumps in India.

For the traveller: IndusInd Bank Club Vistara Explorer Credit Card

USP: Earn and redeem Club Vistara points

With the IndusInd Bank Club Vistara Explorer Credit Card, embark on a journey of unparalleled travel and entertainment benefits. The card offers a Complimentary Club Vistara Gold membership. The membership comes with the following benefits:

• Priority check-in and boarding facility.
• Earn Tier Points/CV Points for every ₹100 spent.
• Benefit from Priority Waitlist Clearance and fee waivers for rescheduling.
• Receive three One-Class Upgrade vouchers upon Tier Renewal and two more upon Tier Upgrade.

You also receive a business class ticket voucher from Vistara and gift vouchers worth ₹25,000 from IndusInd Bank upon joining. You can enjoy luxury stays with Oberoi Hotels and shop with top brands via Vouchagram. It also offers 20% off on events and a buy-one-get-one-free movie offer on BookMyShow.

Applying online: A convenient way to get your IndusInd Bank Credit Card

IndusInd Bank now offers a seamless online application process for its credit cards. Here’s how it works:

1. Initiate the process: Enter the following details – PAN number, Mobile Number, and Email ID.
2. Select your card: Browse through our collection and pick a card that aligns perfectly with your lifestyle.
3. Instant video KYC: Complete the process with a video KYC for verification.
4. Swift delivery: Post-application, anticipate your card’s arrival within a mere 24-48 hours.

Advantages of online application:

• Efficiency and speed: Skip the traditional paperwork and long waiting periods. Our streamlined online process ensures a quick turnaround.
• Flexibility: Apply from anywhere, be it your home, office, or on-the-go.
• Safe and secure: IndusInd Bank uses advanced encryption to protect your data during the online application process.

Conclusion: The power of a perfect match

By now, it’s clear that selecting the right credit card is important. It’s a financial asset that helps you manage your financial habits and preferences. A thoughtfully curated credit card, like those provided by IndusInd Bank, can enhance your shopping experience with seamless payments.

So, wait no more! Find the card that’s your perfect financial match and make the most of the benefits that await you. 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 decisions. 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.