*IndusInd Bank reserves the right to change, alter, or terminate any benefit at its sole discretion.
^#OTT refers to audio/video platform services over Internet like Netflix, Amazon Prime, Zee5, Spotify, etc.

• Successful transactions done by the Cardholder/s using Platinum Carat Debit Card will be eligible to earn IndusReward points on the following categories with Merchant category Codes (MCC) as per Network Partners (Visa/Mastercard):

  Category	Merchant category Codes (MCC)
  Fuel	5172 , 5541 , 5542 , 5983
  Dining	5462 , 5499 , 5811 , 5812 , 5813 , 5814 , 5821 , 7011
  Entertainment	4899 , 5815 , 5818 , 5968 , 7032 , 7033 , 7829 , 7832 , 7841 , 7911 , 7922 , 7929 , 7932 , 7933 , 7941 , 7991 , 7992 , 7996 , 7997 , 7998 , 7999

• 5 IndusReward Points for every Rs. 100/- (Rupees One Hundred Only) will be awarded on successful transactions done by the Cardholder/s using per Carat Debit Card on the above categories with Merchant category Codes (MCC).   IndusReward points shall be awarded as per round off value.  Any transaction by the Cardholder using the Carat Debit Card of value less than Rs.100/- (Rupees One Hundred Only) will not be eligible and will not be awarded any IndusReward point(s). If a successful transaction value is Rs.550/-(Rupees Five Hundred and Fifty Only), then 25 points shall be awarded i.e. (500/100*5) and remaining value Rs.50/- (Rupees Fifty Only) in this case, shall not be considered. 
• Dining category with the abovementioned Merchant category Codes (MCC) does not include restaurants and bars operating as a part of hotels/motels of accommodation, room service of hotels and motels of accommodation chains. Successful transactions done by the Cardholder/s using the Carat Debit Card at standalone eateries like bakeries, restaurants, bars and nightclubs will be eligible for IndusReward points.
• Entertainment category with the abovementioned Merchant category Codes (MCC) does not include online gaming and/or gambling. Successful transactions done by the Cardholder/s for entertainment i.e.  OTT subscriptions, movie theatres, golf courses, amusement parks, circuses, zoos, recreational & sporting camps will be eligible for IndusReward points.
• Maximum IndusReward points that can be earned by a Cardholder per Carat Debit Card in a month will be capped at 750 (Seven Hundred and Fifty) IndusReward points. Value of 1 IndusReward point is equal to Re. 1 (Rupee One Only). 
• Unutilized IndusReward points by the Cardholder will lapse and become ineffective
• Transactions done by the Cardholder/s using Carat Debit Card on Ecommerce and offline Point of Sale (POS) only are applicable for IndusReward points.
• For General Terms and Conditions on IndusReward points, kindly visit here.

Make smart, simple and secure digital payments via IndusInd Bank Cards on Google Pay.  Now link your IndusInd Bank Debit Card with Google Pay and transact with convenience. Know More

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