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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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.