IndusInd Bank Credit Card Apply Online

IndusInd Bank credit cards are one of the best products offered by IndusInd Bank. IndusInd Bank credit cards has its own special features to satisfy the needs of its customers in every way possible way. Explore more on the types of credit cards and rewards you get by using IndusInd Bank credit cards. You can also check out the application procedure for IndusInd Bank credit cards. https://www.fresherslive.com/credit-card/indusind-bank-credit-card

Last modified:2019-11-23


Best credit cards in India



Table of content

#1.IndusInd Bank Credit Card Bill Payment

#2.IndusInd Bank Login

#3. IndusInd Bank Credit Card Status

#4. IndusInd Bank Customer Care Number



Types of IndusInd Bank Credit Cards

IndusInd Bank offers credit cards for its customers that are designed to suit their diverse financial needs. These credit cards come with an array of useful features and benefits. They are also equipped with an amazing reward system and attractive cashback offers. Following are the types of credit cards offered by IndusInd Bank

Super Premium Credit Cards:

  • Indulge Credit card
  • Crest Credit Card
  • Pinnacle Credit Card

Premium Credit Cards:

  • Signature
  • Iconia
  • Platinum
  • Platinum Select
  • Platinum Aura

Co-branded Credit Cards:

  • WorldMiles
  • Jet Airways IndusInd Bank Odyssey
  • Jet Airways IndusInd Bank Voyage

Contactless Credit Cards:

  • Platinum Aura Edge credit card
  • Legend

What are the Features and Benefits of IndusInd Bank?

Any IndusInd Bank credit card has features and caters to specific requirements of customers with additional discounts and offers. Most of the customers prefer IndusInd Bank credit cards because it is easily applicable. It offers travel, entertainment, and other benefits. These credit cards have many uses apart from the rewards you get from spending. The following is a list of uses that credit cards can provide you

  1. Sign on bonuses: Some credit cards from IndusInd Bank offer sign-on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.
  2. Rewards: Usage of IndusInd Bank credit card for any transaction will earn you reward points. The earned reward points can be accumulated to obtain a gift or the points can be used as redemption for cashback. Either way, the customer is the winner.
  3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as a reward for using your IndusInd Bank credit card to pay for an airline ticket. With enough points, you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards, you get access to airport lounges which could be a lifesaver in case of delayed flights.
  4. Cashback: Some IndusInd Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cash back for using your credit card to pay utility bills. This is a great way to save money on spends.
  5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.
  6. Insurance: Many IndusInd Bank credit cards come with insurance like travel insurance which can be availed. Many cardholders don’t even realize they are protected and don’t utilize these facilities. It is better to read the terms and conditions before you get a credit card and know every feature available.
  7. Universal acceptance: Unlike debit cards, credit cards are accepted all over the world. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.
  8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This is very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.
  9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of a credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a cardholder a number of benefits

How to Apply for IndusInd Bank Credit Card?

To avail an IndusInd Bank credit card, the customer can apply through online or can also visit the nearest branch of the IndusInd Bank. The online application is much easier when compared to offline mode as it can be done from home, office or wherever you are seated. Those who don’t have access to the internet would find the offline modes comfortable.

Credit Card Application Online for New Customers

  • Step 1: Visit the ‘Credit Cards’ page of the IndusInd Bank's official website
  • Step 2: Then, enter your personal and contact details
  • Step 3: After the verification, a representative from the bank will get in touch with and guide you through the process
  • Step 4: You may have to submit KYC documents and income proof to get an IndusInd Bank credit card
  • Step 5: You can also visit the nearby IndusInd Bank branch to apply for a credit card

Credit Card Application Online for Existing Customers

  • Step 1: Visit the ‘Credit Cards’ page of the IndusInd Bank's official website
  • Step 2: You will have to enter your net banking customer id and mobile number
  • Step 3: You can directly apply online for a credit card
  • Step 4: You can also visit a nearby IndusInd Bank branch to apply for a credit card





#1.IndusInd Bank Credit Card Bill Payment

Most of the users pay their bills through online since it is user-friendly and easy to access. IndusInd Bank credit card bill will be generated every month based on the transactions made throughout the month made by the user. The user will have to make payments before the due date to avoid penalties. There are numerous ways through which IndusInd Bank customers can pay their IndusInd Bank credit card bills.

IndusInd Bank Account Holders:

You can register with the bank for net banking facility to make your credit card payments online. You can submit a written standing instruction to automatically debit the amount from your account. Standing instructions can be given only after registration. This can help you pay the bills on time and avoid paying interest on late payment.

ONLINE: You can pay your credit card bills online when you have an active internet connection. There is a number of ways through which you can pay your credit card bills online. Let us have a look at it in detail.

  • Net banking: You can easily pay your credit card bills online using the net banking service of IndusInd bank called ‘IndusNet’. You need to have an account with the bank to use the service. You have to sign up for the IndusNet service and add their credit cards for the same. You will be able to get all the details related to your credit card through this facility. Once you have activated the IndusNet service, you simply have to visit the website of the bank and log in using their username and password. Choose the Funds Transfer option and add your credit card number as a beneficiary. After this, select the card, the bill of which you want to pay and the bank account which you want to transfer and confirm the date of the transaction. Validate it using a transaction password or OTP number to confirm the transaction.

  • ATM Funds Transfer: To transfer funds via ATM, you have to first select the bill payment option for credit card and then choose the account through which they wish to make the payment. Now, they have to enter the number of the Beneficiary credit card and confirm the transaction.

  • Auto Debit Facility: IndusInd Bank provides you an Auto Debit Facility using which you can authorize the bank to deduct a certain percentage of the dues pending every month on the due date from their IndusInd Bank account. You have to download the Auto Debit form and mail it to the bank to activate this facility.

IndusInd Bank Credit Card Bill Payment from Non-IndusInd Bank Accounts:

  • Bill Desk: You can use the IndusInd Bank Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to IndusInd Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.

  • IndusCube: Being an IndusInd Bank Credit Card holder, you can pay your credit card bills using the IndusCube mobile application. Download this application to use this service from your phone. IndusCube has this feature called “SwiftPay” which allows customers to manage and pay their credit card bills online from any bank account.

  • NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases, you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.

  • Electronic Clearing System (ECS): Electronic Clearing System helps you pay your IndusInd credit card bills. Through this facility, you can authorize IndusInd Bank to deduct your credit card bill amounts from accounts that they hold with any other bank in India. The amount will be debited 3 working days before the payment is due. To use the service, customers have to download the ECS form, fill and mail it to the bank.

  • SWIFT Transfer: Cardholders outside India can use Society for Worldwide Interbank Financial Telecommunication (SWIFT) facility to pay their IndusInd credit card bills. You can transfer money from your local branch to your IndusInd credit card.

  • VISA Money Transfer (VMT): VISA Money Transfer (VMT) has made the payment process of IndusInd Bank VISA credit cards easy and simple. This service allows you to pay your pending credit card bills by transferring funds to your VISA credit card online from your other bank account.

OFFLINE: In case you do not have an active internet connection or if you feel uncomfortable with the online mode of payment then you can try the manual method where you will have to visit the bank. Let us discuss in detail

  • Cash payment: You can pay your IndusInd Bank credit card bill by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.

  • Cheque payment: If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop off the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.

What is the Eligibility Criteria and Documents Required for IndusInd Bank?

ELIGIBILITY: The customers whose profile match the eligibility standards prescribed by the bank will be provided with an IndusInd Bank credit card. The bank has set the norms according to which the eligibility of the customer is evaluated. There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved.

  • You must fall into the age limit set by the bank, to apply for an IndusInd Bank credit card. The applicant should be a minimum of 21 years old and a maximum of 65 years. Anyone falling under this age criteria can apply for a credit card with IndusInd Bank. An add-on credit cardholder should be over 15 years old.
  • You must have a regular income to avail an IndusInd Bank credit card. The income criteria differ according to the features and specifications of the particular card. You can get an IndusInd Bank credit card with a fixed deposit and a minimum requirement as set by the bank. However, income may vary for other cards based on specifications and features.
  • The customer should provide a proof of a steady source of income to avail a credit card from IndusInd Bank. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
  • The applicant must be a resident of India or an NRI

DOCUMENTATION: If a customer needs to submit the following documents to avail an IndusInd Bank credit card.

  • ID Proof - Copy of Passport, PAN Card, Driving License, Voter ID Card
  • Income Proof - Salary Certificate, IT Assessment order, Latest Balance Sheet, Copy of latest Income Tax Return
  • Address Proof - Aadhar Card, Voter ID Card, PAN Card, Utility Bills
  • PAN Card
  • Colored passport size photographs
  • Bank Statement for the last 3 months

#2.IndusInd Bank Login

IndusInd Bank provides online banking service to its customers including savings account, current account, and credit card holders. The net banking facility allows users to do multiple transactions with comfort. IndusInd Bank credit cardholders can avail the facility to access their credit card information, to manage their transactions and to raise service requests related to credit card.

Benefits of IndusInd Bank Credit card Online Banking:

  1. 24x7 access: You can have 24x7 access to your credit card account information when you register your IndusInd Credit Card for Internet Banking services including credit limit and cash limit on the card, recent transactions made using the card, last payment details, total amount due, due date, etc. if you have internet connection, you can view them at any time anywhere instead of calling the customer care department.

  2. Payments on time: You can make payments like credit card bill, telephone bill, electricity bill, internet bill on time by using your online banking account to save your time and avoid late payments.

  3. Manage account: IndusNet allows you to manage your account all by yourself as it provides access to your credit card account information. You can manage your account information by updating your personal details such as address, mobile phone number, email ID, etc., view or edit standing instructions on your account, subscribe for new services related to the card and lot more.

HOW TO REGISTER FOR NETBANKING?

IndusInd Bank Credit Card Registration for New Users: If you are dealing with IndusInd Bank for the first time, follow the process mentioned below to register for IndusNet facility for your IndusInd credit card

  • Visit IndusInd online banking page
  • Click on ‘Continue to IndusNet’
  • You will be redirected to IndusNet page, where you need to click on ‘New User > Credit Card’ link available below the login form
  • A new ‘Credit Card Registration’ page will appear. Enter the card details such as the card number, CVV, card expiry date, date of birth as per the bank records and click on ‘Submit’.

Once you submit the request, you will receive an OTP on your registered mobile number. Enter the OTP in the respective field. You will then be prompted to create your own Username and Transaction Password, do the same as per the instructions.

IndusInd Bank Credit Card Registration for Existing Users: If you have a savings or current account with IndusInd bank and are already registered for IndusNet service, you can follow the instructions provided below to link your credit card to the existing account.

  • Login to your IndusNet account using your User ID and password
  • Click on ‘Service Request – IndusNet Request’
  • Click on ‘Link your Credit Card’
  • You then need to enter your credit card details including card number, CVV, card expiry date, date of birth as per the bank records.

Once the bank verifies the details, your credit card will be linked to your IndusInd bank account.

#3. IndusInd Bank Credit Card Status

The applicant can track the status of the credit card application online once an applicant has submitted their credit card application. An application ID is provided to all applicants after filling all the details on the bank’s website.

ONLINE: This ID has to be kept safe and handy since it is a significant detail needed to check the status of the credit card application online. Follow the steps given below to check your credit card application status online

  1. Log on to creditcard.indusind.com

  2. Now fill in the two tabs asking for the application ID and mobile number

  3. Now, submit the details and the status of the credit card application will appear

OFFLINE: There are two ways to check the status of an IndusInd Bank credit card offline easily. Two alternatives that an applicant can use are listed below:

  • You can call the IndusInd bank’s customer care number - 1860 500 5004 or 022 44066666 and find out the status of your credit card application

  • You can also visit the nearest IndusInd bank branch and meet the bank representative

Reward Programme of IndusInd Bank

You will earn reward points which can be redeemed against a wide range of gift vouchers and merchandise, when you use your IndusInd Bank credit cards to make purchases. The number of reward points earned differs from card to card and also on the basis of type of transactions made. The table given below shows the reward earnings on different credit cards-

IndusInd Bank Credit Cards

Reward points on all spends

Reward points on Special Categories

IndusInd Bank Platinum Aura Credit Card

0.5 saving points/Rs.100

  • 4 Savings points on departmental spends.
  • 2 Savings Points on Purchase of consumer durables or electronic items.
  • 1.5 savings points on Restaurant Bills and books purchase

IndusInd Bank Chelsea FC Credit Card

1 Reward Point/ Rs. 100

4X Reward Points for purchases across all merchant categories

IndusInd Bank Indulge Credit Card

1.5 Reward Point/ Rs. 100

No Special Category Reward Benefits

IndusInd Bank Signature Credit Card

1.5 Reward Point/ Rs. 100

Nil

IndusInd Bank Iconia Credit Card

1.5 Reward Point/ Rs. 100

2 Reward Point/ Rs. 100 (on weekends)

IndusInd Bank Worldmiles Credit Card

  • 3 SpendMiles/Rs. 100  (on Signature Credit Card)
  • 2 SpendMiles/Rs. 100 (on Platinum Credit Card)

3 Partner Miles for every Rs. 100 that you spend on hotels bookings made on www.myworldmiles.com.

IndusInd Bank Platinum Credit Card

1.5 Reward Point/ Rs. 100 (on weekdays)

Nil

IndusInd Bank Platinum Select Credit Card

1 Reward Point/ Rs. 150

Nil

IndusInd Bank Platinum Aura Edge Credit Card

0.5 Savings Points/ Rs. 100

  • 4 Savings points on departmental spends.
  • 2 Savings Points on Purchase of consumer durables or electronic items.
  • 1.5 savings points on Restaurant Bills and books purchase

IndusInd Bank Legend Credit Card

1 Reward Point/ Rs. 100 (on weekdays)

2 Reward Point/ Rs. 100 (on weekends)

IndusInd Bank Pinnacle Credit Card

1 Reward Point/ Rs. 100

2.5 Reward Point/ Rs. 100 on e-commerce transactions

Jet Airways IndusInd Bank Odyssey Credit Card

  • 4 JPMiles/Rs. 100 on Weekdays
  • 6 JPMiles/Rs. 100 on Weekends
  • 8 JPMiles/Rs. 100 on Weekdays
  • 12 JPMiles/Rs. 100 on Weekends

(When transactions are made on Jet Airways website)

Jet Airways IndusInd Bank Voyage Credit Card

  • 3 JPMiles/Rs. 100 on Weekdays
  • 4 JPMiles/Rs. 100 on Weekends
  • 6 JPMiles/Rs. 100 on Weekdays
  • 8 JPMiles/Rs. 100 on Weekends

(When transactions are made on Jet Airways website)

 

IndusInd Bank Fees and Charges

Each and every credit card has its own fees and charges applicable according to its features. Likewise, IndusInd Bank credit cards also have charges which will be levied in case of late payment or when the customer crosses the credit limit allotted. The charges vary depending upon the penalties or services provided by the credit card.

Railway Booking Surcharge

As applicable

Savings Plan Change (for IndusInd Bank Platinum Aura Credit Card and IndusInd Bank Gold Credit Card)

Rs. 250

Fuel Surcharge

2.5% (subject to min. Rs. 10) (waived for transactions between Rs. 400 – Rs. 4,000; not valid for Classic, Gold & Business Gold)
(Service Tax on fuel surcharge as per standard rate shall be applicable and borne by the customer)

Cash Payment Fee at IndusInd Bank Branch

Rs. 100

GST

At the current rate, as notified by the Ministry of Finance, Government of India. Applicable to all fees, interest and other charges.

Duplicate Statement Request

Rs. 100 per statement (beyond last 3 months)

Re-issue/Replacement

Rs. 100

Charge-slip Request

Rs. 300

Usage Charge at Priority Pass Lounges

Up to US $27 per person per visit

 

#4. IndusInd Bank Customer Care Number

IndusInd Bank Credit Card users can contact the bank’s customer care via call and email. Here are the details:

IndusInd bank credit card customer care number: 1860 267 7777

IndusInd bank credit card customer care Email ID: reachus@indusind.com, indulge.care@indusind.com

IndusInd bank credit card customer care mailing address:

IndusInd Bank Ltd, PO Box 9421,
Chakala MIDC, Andheri (E),
Mumbai – 400 093
Type of Credit card Toll-free number Customer care number Email ID
All Credit Card Customers 1860 500 5004 022 44066666 reachus@indusind.com
IndusInd Indulge Credit Card Customers 1860 267 7777 +91 2242207777 indulge.care@indusind.com
IndusInd Signature Credit Card Customers IndusInd World Miles Signature Credit Card 1860 267 7777 +91 2242207777 priority.care@indusind.com
IndusInd Platinum Credit Card Customers, IndusInd Platinum Select Credit Card Customers, IndusInd Platinum Aura Credit Card Customers, IndusInd World Miles Platinum Credit Card Customers 1860 267 7777 +91 2242207777 premium.care@indusind.com
IndusInd Classic Credit Card Customers, IndusInd Gold Credit Card Customers, IndusInd Business (Gold) Credit Card Customers 1860 500 5004 +91 22 44066666 cards.care@indusind.com

About IndusInd Bank and Credit Cards

IndusInd Bank is a new-generation bank based in Mumbai, India, which was incorporated in 1994. The bank offers personalized finance and banking solutions across four segments such as personal banking, NRI services, corporate banking, government, and financial institutions. Currently, IndusInd bank has more than 630 branches and approximately 1200 ATMs spread across different locations. IndusInd Bank offers a variety of credit cards that can cater to all kinds of requirements of the customers. IndusInd Bank credit cards include different variants of Super Premium credit cards, Premium credit cards, and Co-Branded credit cards.
IndusInd Bank offers credit cards to its customer based on their requirement and daily needs. One can apply for IndusInd Bank credit cards easily. There are credit cards for each and every customer who meets the IndusInd credit card eligibility requirements and who is able to submit the required documents.


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