Features of My Credit Line

The IndusInd Bank Mobile App allows users to view and manage their Personal and Home Loan accounts. Once registered, users can access loan details, check outstanding amounts, view EMI schedules, and make overdue payments, if any.

You can register on the platform using Aadhaar-based registration and gain access to details of your active Home and Personal Loans.

Yes, you can view overdue amounts for your Home and Personal Loan accounts and make payments directly through the app.

If you do not have an active Personal or Home Loan, you have the option to apply for a Personal Loan. This option is available under the Loan Card or Loans section in the Tune-in with INDIE products. It will redirect you to the personal loan application journey 

A mutual fund is an investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. It offers benefits such as diversification, professional management, and the potential for returns. 

Choosing the right mutual fund depends on your financial goals, risk tolerance, and investment horizon: 

• Large Cap Funds: For steady growth and lower risk.  
• Mid Cap Funds: Balanced growth with moderate risk.  
• Small Cap Funds: Higher risk, higher reward for aggressive investors.  
• ELSS Funds (Tax-Saving): Equity investments with tax benefits under Section 80C.

• SIP (Systematic Investment Plan): Invest a fixed amount regularly (e.g., monthly), promoting disciplined investing and averaging out market fluctuations.  
• Lump Sum: Invest a large amount at once, ideal for those with significant capital aiming to capitalize on market timing. 

Log in to your INDIE account, then navigate to the Mutual Funds section via the “Tune into INDIE” or Hero card. If already registered, you’ll see your investments with one click. If not, registration is quick and seamless.

No action is required! All your investment data, including mutual funds and portfolio details, will automatically transfer to INDIE. Simply log in to access your data.

INDIE provides:  

• One Click login for faster access  
• Enhanced dashboard for better investment tracking  
• Expanded product offerings, including mutual fund comparisons and personalized insights 

Navigate to the Mutual Funds section in the Investment Dashboard. Use the “Compare Funds” feature or the compare button on any scheme card to evaluate performance, risk, and returns side by side. 

Go to the “Manage SIP” section in your investment account and follow the steps to cancel your SIP. 

Go to ‘Manage SIP’> ‘Locate the SIP you want to stop’ > Click on ‘Stop SIP’ 

Visit the “My Portfolio” section for comprehensive reports, real-time updates, performance charts, and analytics to help monitor your investments.  

You can invest in various mutual funds, including:  

• Equity Funds: High-risk, high-reward long-term investments  
• Debt Funds: Lower-risk investments with stable returns  
• Balanced Funds: A mix of equity and debt for a balanced approach  
• ELSS Funds: Offer investment growth and tax benefits

Log in to the INDIE app, select “Mutual Funds,” and follow the on-screen instructions to open a new account in a few taps.

The minimum investment typically starts at ₹100. The exact amount can be found on each fund’s details page.

• Equity Funds: Long-term capital gains tax applies if held for over a year. 
• ELSS Funds: Provide tax deductions of up to ₹1.5 lakh under Section 80C.

For support, reach out via phone, email, or chat, available on the "Contact Us" section of the platform.

A risk profile helps align your investments with your risk tolerance. You can update it anytime through the “Risk Profiler” section in the Investment Dashboard.

Capital gains refer to the profit made when you sell an investment at a price higher than its purchase price.

Holding statements can be downloaded from the “Reports” or “Statements” section on the Investment Dashboard.

A folio is a unique identification number assigned to your mutual fund investments, helping track them efficiently. 

  Go to the “Investments” section, select the fund you want to redeem, and click “Redeem.” Follow the prompts to complete the process.

After logging into the INDIE app, you can access the Investment section via “Tune into INDIE,” the Hero card, or your account details.

INDIE uses advanced security protocols such as two-factor authentication, end-to-end encryption, and biometric authentication (if supported by your device) to ensure your data is protected. 

Yes, NRIs can invest through INDIE. The app provides tailored investment options and tools like those available to resident users. 

STP (Systematic Transfer Plan): Transfers a fixed amount from one fund to another at regular intervals.

SWP (Systematic Withdrawal Plan): Allows withdrawal of a fixed amount periodically.

You can create your INDIE UPI ID in 3 simple steps.  

Click on 'Create UPI' or 'Scan & Pay' on INDIE home page 

Select the sim with the mobile number that you have used to login on  INDIE mobile banking app 

Select Bank account & you are done!

Yes, you can link your other bank accounts which support UPI functionality with INDIE UPI ID. 

For linking any bank account with INDIE UPI handle, you can follow the below steps-   

On the home page, please go to ‘Manage UPI’ > Click on ‘Add Account’ > Select or Enter Bank Name > Bank account is successfully linked with INDIE UPI ID

You can transfer up to ₹1 lakh cumulatively via up to 10 transactions to non-merchant accounts and up to ₹2 lakhs cumulatively to specific merchants daily.   

However, there is a 24-hour cooling-off period after registering for UPI. Within the cooling off period, you can transfer up to ₹5000 cumulatively via up to 5 transactions to both non-merchant and merchant accounts.  After 24 hours, the transaction limit increases to the standard UPI limits.  

There are no charges on UPI transactions. 

UPI number is the new payment address introduced by NPCI. You can link UPI number to your UPI ID and receive funds through UPI Number. You can either create your 10-digit mobile number as UPI number or random 8-9-digit number. 

You can create your UPI Number in 3 simple steps.  

• Click on Manage UPI' on INDIE home page 
• Go to ‘Settings’> ‘UPI Number’ > Click on ‘Create UPI Number’ 
• Enter any 8-9 digit number & you are done! 

No, UPI number can only be linked with single UPI ID.  

You have the option to port your UPI number which is already linked with any another UPI ID or you can choose to create a New 8-9 digit UPI Number 

You can view all your UPI transactions done on INDIE application by following below steps: 

On the home page, please go to ‘Manage UPI’ > ‘My UPI Transactions’ > ‘View All’. 

You can raise a dispute on INDIE application by following below steps:   

On the home page, please go to ‘Manage UPI’ > ‘My UPI Transactions’ > ‘View All’> 

Select the transaction for which you want to raise a dispute >Click on “Raise Dispute” option at the bottom.  

You can automate your subscription via INDIE UPI ID by following below steps: 

• Go to merchant platform where you want to set a subscription 
• Add your INDIE UPI handle as the mode of payment on the subscription platform 
• A mandate request would be triggered which needs to be approved on INDIE application  
• You can approve the mandate via Notifications or you can Go to ‘Manage UPI ’> Scroll to 'My Mandates' > Click on 'Approve'

You can view your UPI Payment or collect requests by following below steps: 

On the home page, please go to ‘Manage UPI’ > ‘My Payment Requests’. You could either Pay, Decline or Mark as SPAM any request

You can access your UPI mandates on INDIE application by following below steps: 

On the home page, please go to ‘Manage UPI’ > ‘My Mandates’. Here you can view as well as approve all the pending mandates.    

The user is eligible for 200 INDIE Gems on execution of only the first payment via INDIE UPI mandate setup on IndusInd Bank Savings account.

For example: if a user automates subscription for Google play store, 200 gems will be credited to the user’s account within 72 hours of execution of only the first payment via INDIE UPI mandate. If the user enables UPI mandate on any other platform after execution of the first UPI mandate, it will not be eligible for 200 gems.

With a Personal loan, the customer must withdraw the entire amount as loan at once. My Credit Line by INDIE by IndusInd Bank mobile banking app  allows the customer to take multiple loans (draw-downs) from the approved limit, multiple times. The entire process of application, repayment, servicing for the loans taken is digital in nature.

Approved Credit limit can vary from ₹10,000 to ₹5L. There can be two scenarios:

• Pre-approved limit: For eligible customers, there is a pre-approved limit offer on the App. Such customers can accept this approved limit and activate the LOC, and then can withdraw as per their needs.
• Real time approval: For other customers, my Credit Line offer may not be pre-approved on the App. Such customers have to apply for it on the App, and eligible credit limit is shown to the customer in real time, once approved.

You can activate your credit line by clicking on the Credit Line icon to check your eligibility. If you are eligible, then you can set up the auto payment and activate your credit line.  

You can follow below steps for Credit line activation. 

• Click on ‘Credit line’ option on home page 
• Provide your consent for bureau and eligibility checks 
• Let the system generate the best offer for you  

There are no charges for Credit line activation. Only when you draw-down the amount in your Savings account, a processing fee would be charged.  

IndusInd Bank will inform the customers upfront about any charges/ fees that may get charged later on such usage.   

You can cancel a loan within 3 days of getting the amount in your IndusInd Bank account. Post 3 days, cancellation cannot be done. 

You can get money from your activated Credit Line by simply going to ‘Credit Line’ > ‘Take Money’ > Enter the amount that you wish to draw-down> Choose EMI plan> Review Loan details & acknowledge KFS by OTP, post which funds would be disbursed in your linked Saving Account on real time basis. 

Besides this, only if you are a full KYC customer, you would be able to get access to Line of Credit and Fixed Deposits.

You can complete your video KYC process from the INDIE app itself to convert your account to full KYC. Alternatively, you can also visit nearest IndusInd Bank branch to complete your full KYC. For other savings account variants, please visit the nearest branch for conversion.

IndusInd Bank Savings Account on INDIE comes with the following benefits:

• Up to 6.75% per annum interest on Savings Account
• Up to 3% rewards on favorite brands on spends with Debit card
• Complimentary free lifetime Virtual Debit card
• No minimum Balance requirement

Debit card and ATM charges

Payments & Transactions

Foreign Exchange Remittance

Cheque Books

*Charges for Non-financial txns and Cash Withdrawals for Other Bank ATMs outside India for Signature Debit Card are applicable from 1st Dec 2023.
These are only charges you see. Nothing Else

You can become a Megastar either by doing a funding of ₹50,000 or more or by earning the minimum threshold INDIE Gems on the app. Similarly, you can become a Superstar by doing an funding of ₹25,000 to ₹49,999 or by earning the minimum threshold of INDIE Gems.

Effective 1st April 2024, following are the funding conditions to upgrade to Megastar:

Option 1: Fund the INDIE account with  ₹50,000 or more in one single transaction within first 30 days of account opening.

Option 2: Maintain a minimum average balance of₹2 lakhs (Savings + FD) or ₹50K(Savings) in any calendar quarter post the quarter in which customer has on boarded. There are 4 quarters in a calendar year - Jan to Mar, Apr to June, July to Sept, Oct to Dec.

E.g. If a customer got on boarded on 5th Nov 2023, and has not been upgraded to Megastar till 31st March 2024, only if the customer maintains quarterly balance (as defined above) for April to June period (or any other subsequent quarter), would the customer get upgraded to Megastar.

Effective 1st April 2024, following are the funding conditions to upgrade to Superstar:

Option 1: Fund the INDIE account with ₹25k or more in one single transaction within first 30 days of account opening.

Option 2: Maintain a minimum average balance of ₹1 lakh (Savings + FD) or ₹25k (Savings) in any calendar quarter post the quarter in which customer has on boarded. There are 4 quarters in a calendar year - Jan to Mar, Apr to June, July to Sept, Oct to Dec.

E.g. If a customer got on boarded on 5th Nov 2023, and has not been upgraded to Superstar till 31st March 2024, only if the customer maintains quarterly balance (as defined above) for April to June period (or any other subsequent quarter), would the customer get upgraded to Superstar.

Yes, you can set autopay for your bills if the functionality is provided by the biller. However, few billers do not provide auto pay functionality. 

After paying any bill, Auto pay option will appear on the success screen for billers which provide auto pay option or you may go to “My Billers” section and set up autopay on eligible billers.

If the user selects auto pay, user will be asked to select amount range for which auto pay will be applicable. If the bill amount is greater than the auto-pay set limit or the user doesn't have enough balance in the savings account which has been selected to make the payment, then the transaction will be declined. 

At present, there are 3 amount range options available – up to ₹5,000, up to ₹25,000 and up to ₹1,00,000. Some billers allow to fill in a maximum limit for auto pay, letting users choose any amount. These are subject to change in future.

No, currently bill payment can only be executed through IndusInd Bank Savings Account on INDIE.

Auto pay facility can be managed through “Pay Bills” > “My billers” section

You can raise dispute from “Pay Bills” > “My transactions” section

You can see all the registered billers in “Pay Bills” > “My Billers” section

You can see all the pending payments under “Pay Bills” > “My Billers” section 

Any auto-payment that is set will automatically be done 3 days before the due date. Please note, that if you have just made the payment, and then set the auto-pay, and the bill was already in the due window, then the amount will be deducted again. In this case, the amount will be settled in the next billing cycle by the biller

Customer can earn up to 1000 INDIE gems every calendar month. A reward will be applicable once a month for each unique bill. For example, if a customer has a credit card, say, IndusInd Bank Credit Card, he/she can earn up to 100 INDIE Gems on that card. 

Gems will be credited into your IndusInd Bank Savings Account within 72 working hours of the transaction. Only Bill payments done through INDIE Savings Account from Bill payments section of the app are eligible for rewards 

Reward will be applicable only on the mentioned bill categories: Credit Card, Mobile postpaid, Insurance, Loans, FASTag and Electricity bill when payment done via the INDIE Savings Account

• Rewards for Megastar: 100 gems per transaction and a maximum of 1000 gems in a month on paying bills of mentioned billers. 
• Rewards for Superstar: 50 gems per transaction and a maximum of 500 gems in a month on paying bills of mentioned billers. 
• Rewards for Star: 25 gems per transaction and a maximum of 200 gems in a month on paying bills of mentioned billers. 
• Minimum transaction amount eligible for reward: ₹500  

Customer can earn up to 500 INDIE gems every calendar month.  A reward will be applicable once a month for each unique bill. For example, if customer has a credit card, say, INDUSIND Bank Credit Card, he/she can earn up to 50 INDIE Gems on that card.

Gems will be credited into your INDIE account within 72 working hours of the transaction. Only Bill payments done through IndusInd Bank Savings Account from Bill payments section of the App are eligible for rewards. Reward will be applicable only on the mentioned bill categories: Credit Card, Mobile postpaid, DTH, Mutual Fund, Loans, FASTag and Electricity bill 

• Rewards for Megastar: 50 Gems per transaction and a maximum of 500 Gems in a month on paying bills of mentioned billers. 
• Rewards for Superstar: 25 Gems per transaction and a maximum of 200 Gems in a month on paying bills of mentioned billers. 
• Rewards for Star: 25 Gems per transaction and a maximum of 200 Gems in a month on paying bills of mentioned billers. 

Minimum transaction amount eligible for reward: ₹500

A user can earn 200 Gems on execution of only the first auto payment on INDIE, which can either be bill autopay, UPI mandate or fund transfer. This is applicable for only INDIE Savings account users.  

For example: If the user enables auto payment on electricity bill, 200 Gems will be credited in the user’s account within 72 hours of execution of the first auto payment. But if the user enables auto payment on any other category like mobile postpaid after the execution of first autopayment, it will not be eligible for the 200 Gems. 

Note: Users making DTH and Mutual Fund payments starting 24th April 2024 will only be eligible for gems on these bill payments. Bill payments made till 23rd April 2024 for DTH and Mutual fund are not eligible for gems.

The app provides a comprehensive account overview, including your total outstanding balance, total credit limit, available credit limit, total amount due, total minimum due, and upcoming due dates—all displayed in one easy-to-read dashboard. 

You can reset your credit card PIN instantly with just a few taps, ensuring enhanced security and control over your card. Go to the credit card section > More Settings > Security > Set/Reset pin 

Yes, you can temporarily freeze your card or permanently block it directly through the app to ensure your card’s security and give you peace of mind.  

For temporary block: Go to the credit card section > Temporary Block. Or Go to the credit card section > More Settings > Security > Temporary Block Card  

For permanent block: Go to the credit card section > More Settings > Security > Permanent Block Credit Card 

The app lets you set spending limits, restrict transactions based on type or location (Domestic/International), and enable real-time transaction alerts for better control and security over your card usage. Go to the credit card section > More Settings > Security > Card Controls

You can pay your credit card bill directly through the app using your IndusInd Bank savings account, making payments quick and convenient.  

Go to the credit card section > Pay Bill > Select/Fill Amount to pay > Select Account to pay 

Yes, the app provides a detailed view of your transaction history, including both billed and unbilled items, all organized in one place for easy access and review.

You can easily view your loyalty points in the app. Go to the credit card section > More Settings > Manage > View Points

The Fund Transfer Section on the INDIE mobile app allows users to send and receive money using various methods like IMPS, NEFT, RTGS, Quickpay and recurring transfers making transactions convenient and secure.

Our app offers IMPS for instant transfers, NEFT for batch payments, RTGS for high-value transactions, Quick Pay for rapid transfers, and options for recurring transfers.

IMPS (Immediate Payment Service) allows you to transfer money instantly, 24/7. Just select the recipient, enter the amount, and your money will reach them in real-time.

NEFT allows for batch processing of transactions and is not real-time, whereas RTGS facilitates real-time, immediate transfer of high-value transactions. RTGS is typically used for amounts greater than ₹2 Lakhs.

Navigate to the Beneficiary Management section, select 'Add Beneficiary,' enter the required details (like name, account number, and IFSC code), and save. You can also delete a beneficiary anytime.

Yes! The Recurring Fund Transfers feature allows you to set up automated payments for things like rent or other payments, so you never miss a due date.

Transfer limits can vary based on the method used (IMPS, NEFT, RTGS) and your daily limits.

You can retry the transfer or check for any error messages. If issues persist, please reach out to customer support for assistance. 

For any further questions or assistance, feel free to contact our customer support team through the app or our website. We're here to make your financial transactions as smooth as possible!

There is a cumulative per day transaction limit of ₹ 10,00,000 for Fund transfer transactions. You can increase or decrease the limit (Maximum ₹ 10,00,000) from the profile menu on this App itself 

Increase in limit will require OTP for authentication and 4 hour cooling period during which the old limit will be applicable 

Decrease in limit does not have any cooling period or OTP authentication requirement 

When you register on INDIE for the first time or if you change the mobile device and re-register the INDIE application, limit will be set to ₹ 2,00,000 for next 24 hours

Click on a payee and choose remove option to delete a payee.

You can start sending money to a newly added payee only after 30 minutes of adding the payee. After 30-minute, standard daily transaction limits apply. 

However, you can immediately transfer funds without adding a payee using the Quick Transfer functionality. For quick transfer, per transaction limit is capped at maximum of ₹ 50,000/- and there is a per day limit of ₹ 2,00,000/- . There is no cap on the number of transactions. 

Click on 3 dot menu near the profile icon and click on Set transaction limits.Choose the desired limit and submit OTP to increase your limits.For decrease limits otp is not required.

For Indusind bank accounts,IFSC code is not required.For certain other banks where universal IFSC’s are accepted IFSC code is not required to do a payment. 

For any further questions or assistance, feel free to contact our customer support team through the app or our website. We're here to make your financial transactions as smooth as possible! 

Our Loyalty Program rewards users for engaging with the app through various activities. You earn points that help you progress through different tiers, unlocking additional benefits and cashback rewards.

The tier system allows you to progress from Star to Megastar by accumulating points through transactions, referrals, and app engagement. Higher tiers offer increased benefits and rewards.

You can earn points through transactions, referring friends and using app features regularly. Each activity contributes to your overall points balance.

Points can be redeemed for cashback, discount vouchers, gift cards, flights bookings, hotel booking and more. You can view and manage these options in the rewards section of the app.

1 gem is equal to Rs 1 

Accelerated rewards is a special offering to INDIE customer as a proposition under the INDIE loyalty programme. Here a customer can choose a maximum of 3 brands from the given options. Subsequently, every transaction on these brands  made using INDIE Debit Card or UPI  transactions initiated through Indie App from Indie Savings account  will get you additional points over and above your current earnings.

rands once finalized can be modified again every 30 days.

You need to visit accelerated rewards section in the INDIE App and select 3 brands from the offered list to add under accelerated rewards. Once selected and submitted, these 3 brands shall be part of your accelerated rewards program for the ongoing month. Brands once selected and submitted can only be changed after 30 days.

If you don't select / change brands after 30 days, then you will continue to get rewards on the previously selected brands. Furthermore, you  can change the brands any time after 30 days, and thereafter start getting rewards on the updated brands, which can again be updated any time after 30 days 

Accelerated rewards points are successfully credited after a successful transaction on any of the selected brand within 7 working days.

Accelerated rewards points are valid for a period of one year from the date of earning. Unutilized points, if any, shall be expired on the midnight of one-year completion date.

INDIE loyalty program comes as a default offering along with your INDIE Savings Account. You do not need to register or opt separately to avail the benefits of INDIE loyalty account . The loyalty program is not valid for other IndusInd Bank Account variants.

There are three Tiers in the INDIE Rewards program, viz. Star, Super Star and Mega Star. Each Tier has its own list of benefits

You can see your tier and the associated benefits under “Rewards” > “Know Your Tier” 

You can earn INDIE Gems through multiple actions you perform on INDIE App such as Fund transfers, Bill Payments, Debit Card transactions, INDIE UPI transactions, Recurring payments. 

After a successful account opening, your journey with the loyalty program starts where you can earn loyalty Points (called Gems) on INDIE 

INDIE Rewards are simple and transparent. You can either redeem them for cashback or brand offers. 1 INDIE Gem = ₹1  

You can Redeem your reward points in 2 ways:  

Points (Gems) redemption on brands available on INDIE. Points can be redeemed against a catalogue which consists of e-vouchers, memberships and other services like flight booking, hotel booking etc.

Cashback: 1 INDIE Gem = 1 Rupee. You will need a minimum of 100 Points (Gems) for redemption

You can select brands for accelerated rewards program on the home page under “Accelerated Rewards section” .You can update your list of brands under MYOP every month.

Currently, there is no redemption fee applicable on redeeming your INDIE Gems as cashback. However, a fee will be applicable for availing services such as booking flights or taking a brand offer from the catalogue.

No, The redeemed items will be delivered to the email ID and mobile number registered with your INDIE account. 

In case of cancellation, points shall be refunded back to your INDIE Rewards wallet within 24-48 hours of cancellation. In case of any assistance required, you may write to us on indie@indusind.com.

Each brand has a different validity period, which shall be communicated at the time of redemption of the respective e-voucher. Please check the terms and conditions before redeeming your INDIE Gems.

Maximum and minimum points are defined as per the customer’s Tier allocation. For details visit the Reward section in the INDIE App. 

Currently there are no physical vouchers in the INDIE Rewards program. All e-vouchers shall be sent to registered Email ID and mobile number only. The vouchers will be visible to you in your INDIE app as well.

You may view your redeemed e-voucher code in the rewards section of INDIE app.Click on Rewards>View Redemption  history . Alternatively, you can also re-trigger the vouchers to your registered Email ID and Mobile number via INDIE app.

Spends on following categories are excluded: Government payments (MCC: 9211, 9222, 9223, 9311, 9399, 9402, 9405), Insurance (MCC: Insurance - 6300, 5960,) Mutual funds (MCC: 6211), Rent Payments (MCC: 6513, 7349), Wallet spends (MCC: 6540), Credit Card bill payments (MCC: 6051), Fuel payments (5541, 5542, 5552), Utility Payments (MCC: 4899, 4900), payments for financial institutions including but not limited to loan payments (MCC: 6012), Advertising Services (MCC: 7311), Subscription Merchant (MCC: 5968), Tolls & Bridge Fees (MCC: 4784), transactions done through Amazon Pay. The transactions for each category are identified through Merchant Category Codes (MCC), as defined by Visa. IndusInd Bank does not define the merchant category.

Effective 1st June, 2024 there is an upper limit of INDIE Gems that can be earned. 

Daily: 2,500 Gems 

Monthly: 2,500 Gems 

Yearly: 30,000 Gems 

There is an upper limit of INDIE Gems that can be redeemed. 

Daily: 1,500 Gems 

Monthly: 2,500 Gems 

Yearly: 30,000 Gems  

The Debit Card Management Module is a feature within our mobile app that allows users to monitor and control their debit card transactions, settings, and security features in real-time.

Anyone with a debit card linked to an active bank account can use this module.

You can easily lock or unlock your debit card through the app. Simply navigate to the debit card section, select the lock/unlock option, and follow the prompts.

Yes! The module allows you to set customizable spending limits on a daily, weekly, or monthly basis to help you manage your budget effectively.

If your card is lost or stolen, instantly lock it through the app to prevent unauthorized transactions. You can then request a replacement card directly from the app. 

On the app, check your card controls under Card Settings. Ensure that your card controls are on. In case it still doesn’t work, reach us at the INDIE call contact center. 

 For any further queries or support, feel free to contact our customer service team through the app or website. We're here to help you manage your finances effortlessly!

Create a one-time use disposable card on the app for unsecured websites. The card is valid only for 1 transaction and for 24 hrs.

The physical card will not have any number printed for additional security. You will be able to see the debit card number and other details inside the application.

Please click on Debit card section of the app .Click on Manage card and click on Apply for a physical card.

The agent will call you before attempting the delivery. If you miss your delivery, the agent will attempt to deliver your card to your address 2 more times 

Please go manage cards and click on block permanently option in the debit card section of the app for blocking your card. 

You can set both domestic and international limits under manage limits option in the debit card section of the app. 

On the app in the manage debit card section, check your transaction limits. Ensure that your card controls are on. In case it still doesn’t work, reach us at the INDIE call contact centre 1860 267 2626 

Yes, once you login in the Indie App, your existing debit cards shall still be visible in the application. You can block, temporary block ,track delivery ,manage transaction limit's pin and view your existing rewards.

You can set/ reset your PIN by clicking on the respective debit card in the debit card section of the app.  

Benefits are associated with the Loyalty tier. You can see the benefits for your tier under “Rewards” > “Know Your Tier” section. Please note that loyalty program of Indie is only applicable for Indie customers as of now.For other variants of  accounts users can see their respective rewards points on their debit card by clicking on the respective debit card. 

A virtual debit card  can be used for only online transactions. It has its own unique card number, expiration date, and CVV.  

It is available to the customer by default post on-boarding for Indie customers. To access your virtual debit card, go to debit card section from the home page of app. 

For other account variants the virtual debit card is assigned based on the choice selected by customers during onboarding. 

A one-time-use virtual disposable card is a type of payment card that can be used for a single transaction. It is created by you on the INDIE app and can be used to make purchases online. Once the card has been used, it cannot be used again. Virtual disposable cards provide you with an added layer of security for online transactions by preventing fraudsters from accessing sensitive card information. Since the card is only valid for a single use or 24 hours, it gets disabled automatically. 

You can generate a virtual one-time disposable card by going to the respective Indie account debit card in the application.

Super OTP can be used when the customer is not receiving an OTP like when the customer is in a low network area. It can be generated in the App itself, is usable only once and is valid for only 2 mins.This feature is applicable for only Indie debit card holders as of now. 

• Go to debit card section on the home page and click on the Indie debit card 
• Click on Generate Super OTP button 
• Online card preferences must be enabled in transaction limits. 
• Toggle to be turned back if Super OTP is not required

Super PIN can be used in case the customer has forgotten the PIN or does not trust the POS machine/ ATM at which the customer is transacting. A Super PIN can be generated in the App itself, is valid for only 2 minutes and for a single transaction only. 

• Go to debit card section on the home page and scroll to the bottom 
• Make sure you Activate the POS/ATM transaction preferences in the transaction limits of the debit card. 
• Click on Generate Super PIN button. PIN is valid for 2 minutes 
• Toggle to be turned back if Super PIN is not required 

The daily limit for generating disposable debit cards is 5 and yearly limit is 25 disposable debit cards. 

In accordance with the guidelines set forth by the Reserve Bank of India (RBI), it is important to note that cryptocurrency transactions or purchases are presently restricted under the prevailing regulatory framework.

Getting started with the new mobile app is quick and easy. Follow these simple steps to register:  

• Visit the App Store or Google Play Store and search for our digital banking mobile app by typing INDIE or IndusInd Bank.  
• Install the app on your device. Please ensure you verify the publisher name as IndusInd Bank Ltd before downloading which appears right below the app title on Play Store and as Developer name in case of App Store.   
• Open the app once installed and enter your bank registered mobile number    
• Complete the SIM binding process by selecting the SIM card for android devices or sending the encrypted message to appropriate SIM card in case of iOS.  
• Provide your PAN details as registered with the bank.   
• Select the authentication mode for completing 2 factor authentication.  
• Complete the authentication by providing the requisite details.  
• You’re done and all set to experience INDIE! 

You can easily migrate with your existing relationships on INDIE if you have one of the following accounts: 

• Loan account 
• Savings account 
• Fixed deposits account  
• Current account 
• OD account

Credit card customers can easily migrate to INDIE by opening an INDIE savings account and view their credit card relationship on dashboard post that.

Following relationships will migrate seamlessly on INDIE post registration: 

• Existing accounts 
• Billers list setup on Indusmobile 
• Autopay mandates on Indusmobile  
• Following relationships will not be migrated in the current phase 
• UPI handle on Indusmobile 
• Beneficiaries list on Indusmobile

No migration is required again and all your non-INDIE relationships will keep functioning smoothly.

Yes, even if you do not have your aadhar registered you can still migrate on INDIE using your aadhar card if it is linked to your PAN card registered with the bank.

One of the key aspects of enhancing your security with INDIE is to ensure that only government verified and validated accounts are only allowed for migration. Even if your PAN and Aadhar details are present with the bank, the check of demographic authentication which checks that your bank registered mobile number matches with the aadhar registered mobile number and you PAN and aadhar should be linked.

You can easily migrate on INDIE with your new device provided your SIM card has also moved to the new device for SIM binding verification. Rest the process for migration remains the same as explained above.