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<h2 style="text-align:justify">IndusInd Bank Credit Cards</h2>

<p style="text-align:justify">Looking for a credit card? How about one from IndusInd Bank?</p>

<p style="text-align:justify">From beginners to premium, IndusInd Bank credit cards come in various categories, specifically catering to the needs, tastes and preferences of individuals. Each card offers benefits, such as an attractive reward structure, global acceptance, welcome gifts and more depending on the variant and purpose. Read on to know more about the best IndusInd Bank credit cards and their benefits, fees and charges.</p>

<h2 style="text-align:justify">Benefits &amp; Features of IndusInd Bank Credit Card</h2>

<p style="text-align:justify">IndusInd Bank offers credit cards in various categories including travel, lifestyle, etc. Each card comes with numerous benefits, making it an attractive deal for individuals looking for financial comfort and rewards. Here are some of the perks of IndusInd Bank credit cards:</p>

<h3 style="text-align:justify">Welcome Bonuses</h3>

<p style="text-align:justify">IndusInd Bank credit cards often come with welcome rewards, such as bonus reward points or cashback, for new cardholders. These rewards are a great way to kickstart your credit card experience and enjoy immediate benefits upon card activation.</p>

<h3 style="text-align:justify">Exclusive Rewards Program</h3>

<p style="text-align:justify">IndusInd Bank credit cards typically feature an all-encompassing rewards program that allows cardholders to earn reward points on their everyday purchases. These reward points can be redeemed for a variety of options, including flight and hotel bookings, merchandise, vouchers, and more. The rewards program adds value to your spending and allows you to make the most of your purchases.</p>

<h3 style="text-align:justify">Lifestyle Perks</h3>

<p style="text-align:justify">IndusInd Bank credit cards offer a range of lifestyle benefits tailored to different cardholder preferences. These benefits may include discounts on dining at partner restaurants, complimentary movie tickets, access to airport lounges, concierge services, golf privileges, and special offers on shopping and entertainment. Such lifestyle perks enhance your overall experience and cater to your specific interests.</p>

<h3 style="text-align:justify">Travel Perks</h3>

<p style="text-align:justify">For frequent travelers, IndusInd Bank credit cards provide attractive travel benefits. These can include complimentary airport lounge access, air miles rewards, travel insurance coverage, discounts on flight bookings and hotel stays, and access to exclusive travel concierge services. These features make IndusInd Bank credit cards ideal companions for globetrotters.</p>

<h3 style="text-align:justify">EMI Facility</h3>

<p style="text-align:justify">IndusInd Bank credit cards come with an easy and flexible EMI (Equated Monthly Installment) facility, enabling cardholders to convert their high-value purchases into affordable monthly instalments. This feature allows for better financial management and budgeting by spreading out the payment over a specified period.</p>

<h3 style="text-align:justify">Universal Acceptance</h3>

<p style="text-align:justify">IndusInd Bank credit cards are widely accepted both in India and internationally. This global acceptance ensures that cardholders can conveniently use their cards for payments and withdrawals while travelling abroad, making them reliable financial companions worldwide.</p>

<p style="text-align:justify"><a href="https://www.banksathi.com/credit-cards/airport-lounge">Best Lounge Access Credit Card in India</a>&nbsp;&nbsp; &nbsp;|&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/rewards">Best Rewards Credit Card</a>&nbsp; &nbsp; &nbsp;|&nbsp; &nbsp; &nbsp;<a href="https://www.banksathi.com/credit-cards/cashback">Best Cashback Credit Card in India</a></p>

<h2 style="text-align:justify">Eligibility for IndusInd Bank Credit Cards</h2>

<p style="text-align:justify">The IndusInd Bank eligibility criteria can vary from card to card, depending on its type, features and benefits. The bank assesses the applicant&rsquo;s profile based on factors such as employment type, income and age.</p>

<p style="text-align:justify">Here are the eligibility standards for IndusInd Bank credit cards:</p>

<ul>
	<li style="text-align:justify"><strong>Age:</strong> 18 years to 65-70 years (depending on the card)</li>
	<li style="text-align:justify"><strong>Income:</strong> Minimum INR 20,000; specified based on the card</li>
	<li style="text-align:justify"><strong>CIBIL:</strong> specified based on the card</li>
	<li style="text-align:justify"><strong>Income:</strong> specified based on the card</li>
	<li style="text-align:justify"><strong>Employment:</strong> Salaried; Self-employed</li>
	<li style="text-align:justify"><strong>Nationality:</strong> Indian; Non-resident Indian</li>
</ul>

<h2 style="text-align:justify">Documents Needed to Apply for an IndusInd Bank Credit Card</h2>

<h3 style="text-align:justify">Address proof (anyone)</h3>

<ul>
	<li style="text-align:justify"><a href="https://www.banksathi.com/aadhar-card">Aadhaar Card</a></li>
	<li style="text-align:justify">PAN Card</li>
	<li style="text-align:justify">Driving Licence</li>
	<li style="text-align:justify">Electricity Bill</li>
	<li style="text-align:justify">Telephone Bill</li>
</ul>

<h3 style="text-align:justify">Proof of identity (anyone)</h3>

<ul>
	<li style="text-align:justify">Aadhaar Card</li>
	<li style="text-align:justify">PAN Card</li>
	<li style="text-align:justify">Driving Licence</li>
	<li style="text-align:justify">Passport</li>
</ul>

<h3 style="text-align:justify">Income proof for salaried individuals</h3>

<ul>
	<li style="text-align:justify">Payslips of last 3 months</li>
	<li style="text-align:justify">Bank statement for the last 3 months</li>
</ul>

<h3 style="text-align:justify">Income proof for self-employed individuals</h3>

<ul>
	<li style="text-align:justify">Income Tax Returns</li>
</ul>

<h2 style="text-align:justify">How To Compare and Choose The Best IndusInd Bank Credit Cards?</h2>

<p style="text-align:justify">It is indeed best to compare various IndusInd Bank credit cards as it helps you get your hands on the one that suits your needs and preferences just fine. Here are some factors to help you compare IndusInd Bank credit cards:</p>

<h3 style="text-align:justify">Determining Your Needs</h3>

<p style="text-align:justify">What got you to think of using a credit card? Start by tapping specific requirements and priorities that you may have. Factors such as your spending habits, lifestyle, travel frequency, or preferred reward type can narrow down your options.</p>

<h3 style="text-align:justify">Fees and Charges</h3>

<p style="text-align:justify">Carefully review all the fees and charges applicable to each IndusInd credit card option. The bank has a cost structure consisting of charges such as annual fees, joining fees, renewal fees, interest charges, foreign currency transaction fees and more, that may or may not align with your spending patterns or needs. It is ideal to compare cards based on these fees and charges as it helps understand the cost of your card.</p>

<h3 style="text-align:justify">Rewards Program</h3>

<p style="text-align:justify">When comparing the IndusInd credit cards, you will want to evaluate the rewards program offered by each card. Go through the earn rates for reward points, cashback, or air/travel miles on different spending categories. Also, assess the redemption options available, such as travel bookings, merchandise, e-vouchers, or statement credits. These checkpoints will help you determine if the rewards program aligns with your spending patterns and preferences.</p>

<h3 style="text-align:justify">Welcome Bonuses</h3>

<p style="text-align:justify">Consider your options based on additional benefits and welcome benefits offered by different credit cards. The type of IndusInd credit card welcome bonuses can vary depending on the card and may be in the form of vouchers, reward points, complimentary memberships, fee waivers and more.</p>

<h2 style="text-align:justify">How to Apply for IndusInd Credit Card Online?</h2>

<p style="text-align:justify">Here are the simple steps for the IndusInd Bank credit card application process online:</p>

<ul>
	<li style="text-align:justify">Go to the Credit Cards page on the official website of IndusInd Bank.</li>
	<li style="text-align:justify">Explore a variety of cards offered by the bank.</li>
	<li style="text-align:justify">Click on the &ldquo;Know More&rdquo; button for the card you&rsquo;d like to apply for.</li>
	<li style="text-align:justify">Go through the features, benefits, rewards program, fees and charges and terms and conditions applicable to the desired card.</li>
	<li style="text-align:justify">Now click the &ldquo;Apply Now&rdquo; button to begin your IndusInd Bank credit card online application process.</li>
	<li style="text-align:justify">Enter your PAN, mobile number, email address and current residence pincode.</li>
	<li style="text-align:justify">Hit the &ldquo;Next&rdquo; button.</li>
	<li style="text-align:justify">You have to carefully enter the details in the given fields as required.</li>
	<li style="text-align:justify">Now, submit the required documents and complete the process further as instructed on the screen.</li>
</ul>

<h2 style="text-align:justify">How can you keep track of your IndusInd Bank credit card application?</h2>

<p style="text-align:justify">IndusInd Bank offers the option to check the progress of your credit card application. All you need to do is call on the IndusInd customer service number 18602677777. You can track the status using the credit card application reference number that you received on your mobile number or email upon the completion of the application.</p>

<h2 style="text-align:justify">How to Activate an IndusInd Bank Credit Card?</h2>

<p style="text-align:justify">Got your card? Great! Now, you can activate it by following any of the below-mentioned methods:</p>

<h3 style="text-align:justify">Activate your IndusInd credit card with Netbanking</h3>

<p style="text-align:justify">The primary method of activating the IndusInd Bank credit card is through the bank&rsquo;s official service page. The steps are as follows:</p>

<ul>
	<li style="text-align:justify">Navigate the bank&rsquo;s website and go to the credit card section.</li>
	<li style="text-align:justify">Input your registered mobile number and the last 4 digits of the IndusInd credit card number.</li>
	<li style="text-align:justify">Fill out the verification code that was sent to your registered mobile number.</li>
	<li style="text-align:justify">You can now set up the pin.</li>
</ul>

<h3 style="text-align:justify">Activate your IndusInd credit card with mobile banking</h3>

<p style="text-align:justify">Yes, you can activate your card quickly from the IndusInd mobile app! Here&rsquo;s the way to do that:</p>

<h4 style="text-align:justify">For existing customers</h4>

<ul>
	<li style="text-align:justify">Access the app by using your login details.</li>
	<li style="text-align:justify">Tap and expand the &ldquo;Cards&rdquo; section.</li>
	<li style="text-align:justify">Click on &ldquo;Credit Cards&rdquo;.</li>
	<li style="text-align:justify">Hit the &ldquo;Link Now&rdquo; option.</li>
	<li style="text-align:justify">Enter your card details.</li>
	<li style="text-align:justify">To verify your phone number, enter the verification code that was texted to you.</li>
	<li style="text-align:justify">Submit.</li>
</ul>

<h4 style="text-align:justify">For new customers</h4>

<ul>
	<li style="text-align:justify">Download the IndusInd mobile app.</li>
	<li style="text-align:justify">Enter your mobile number.</li>
	<li style="text-align:justify">Choose the &ldquo;I&rsquo;m new to Bank&rdquo; option.</li>
	<li style="text-align:justify">Click on &ldquo;Credit Card&rdquo;.</li>
	<li style="text-align:justify">Enter card details.</li>
	<li style="text-align:justify">Enter the verification code.</li>
	<li style="text-align:justify">Submit.</li>
</ul>

<h3 style="text-align:justify">Activate your IndusInd credit card with SMS</h3>

<p style="text-align:justify">If you&rsquo;d like to enable domestic or international transactions on your credit card, SMS is the fastest way for you.</p>

<ul>
	<li style="text-align:justify">You can simply shoot an SMS &lsquo;ACTE&rsquo; to 5676757 with your mobile number and allow domestic online transactions on your IndusInd card.</li>
	<li style="text-align:justify">For international transactions, you must write &lsquo;ACTI&rsquo; and send it to 5676757.</li>
</ul>

<h2 style="text-align:justify">Fees &amp; Other Charges On IndusInd Bank Credit Cards</h2>

<h3 style="text-align:justify">Joining Fee</h3>

<p style="text-align:justify">This is a one-time fee charged when you apply for a credit card. The joining fee can vary based on the type of card and its features.</p>

<h3 style="text-align:justify">Annual Fee</h3>

<p style="text-align:justify">IndusInd Bank credit cards generally have an annual fee that is to be paid by the cardholder to maintain their ownership of the card. The annual fee can differ depending on the card variant and its offerings. Some credit cards may offer a waiver of the annual fee if the customer meets certain spending criteria.</p>

<h3 style="text-align:justify">Renewal Fee</h3>

<p style="text-align:justify">If you continue to use the credit card beyond the first year, an annual renewal fee may be applicable. Similar to the annual fee, this fee can vary depending on the card variant.</p>

<h3 style="text-align:justify">Finance Charges</h3>

<p style="text-align:justify">Finance charges, also known as interest charges, are applicable when you carry forward a balance from one billing cycle to another. The finance charges are levied on the outstanding balance and can vary based on the card&#39;s terms and conditions.</p>

<h3 style="text-align:justify">Cash Withdrawal Fee</h3>

<p style="text-align:justify">If you use your IndusInd Bank credit card to withdraw cash from ATMs, a cash withdrawal fee is charged. This fee is typically a percentage of the amount withdrawn and may have a minimum charge as well.</p>

<h3 style="text-align:justify">Overlimit Fee</h3>

<p style="text-align:justify">If you exceed your credit limit on the IndusInd Bank credit card, an over-limit fee may be charged. This fee is levied when you make purchases or transactions that exceed the assigned credit limit.</p>

<h3 style="text-align:justify">Late Payment Fee</h3>

<p style="text-align:justify">If you fail to make the minimum payment on your credit card by the due date, a late payment fee is imposed. The late payment fee can vary based on the outstanding balance and the terms and conditions of the credit card.</p>

<h3 style="text-align:justify">Foreign Currency Markup Fee</h3>

<p style="text-align:justify">When you make transactions using your IndusInd credit card in a currency other than the Indian Rupee, a foreign currency markup fee is charged. This fee is usually a percentage of the transaction amount and covers currency conversion and administrative costs.</p>

<h2 style="text-align:justify">FAQs for Indusind Bank Credit Card</h2>

<h3>Which IndusInd Bank cards provide international airport lounge access?</h3>

<p>IndusInd Bank Club Vistara Explorer is the best card offering lounge access to the international airport.</p>

<h3>Which IndusInd Bank credit cards charge the lowest rate of interest?</h3>

<p>IndusInd Legend Credit Card charges the lowest rate of interest&nbsp;</p>

<h3>Does IndusInd Bank offer an annual fee waiver on any credit card?</h3>

<p>Yes, the bank offers an annual fee waiver facility on many of its credit cards.</p>

<h3>Do I get an interest-free grace period on my IndusInd Bank credit card?</h3>

<p>Yes, some IndusInd Bank credit cards do offer a grace period of 50 days.</p>

<h3>What is the cash advance fee charged on IndusInd Bank credit cards?</h3>

<p>IndusInd Bank credit cards charge a cash advance fee of 2.5%.</p>

<h3>What is the IndusInd Bank customer care number to get card-related information?</h3>

<p>In case of any query or grievances related to the IndusInd Bank credit card, you can reach out to customer care on 18602677777.</p>

<h3>Is it possible for a customer to apply for an IndusInd credit card online?</h3>

<p>Yes, you can visit the bank&rsquo;s official website to apply for a card online.</p>

<h3>Can customers use their IndusInd Bank credit cards to obtain loans?&nbsp;</h3>

<p>Depending on factors such as the type of card, credit history and limit usage, you may be able to avail loan on your IndusInd credit card.</p>

<h3>If I use my IndusInd Bank credit card, will I be able to get an add-on card?</h3>

<p>Some IndusInd Bank credit cards do come with the option for add-on cards.&nbsp;</p>

<h3>Are IndusInd Bank credit card statements available online?</h3>

<p>Yes, you can log into your net banking account and view your credit card statements.</p>

<h3>Can a customer register for IndusNet online banking services using his IndusInd Bank credit cards?</h3>

<p>No, a customer cannot register for IndusNet online banking services using their IndusInd Bank credit card. Customers need to have a bank account with IndusInd Bank to register and access IndusNet online banking services.</p>

<h3>How do I check my outstanding balance on my IndusInd Bank Credit Card?</h3>

<p>To check your outstanding balance on your IndusInd Bank Credit Card, you can follow these steps:</p>

<p>1. Online Banking: Log in to your IndusInd Bank Net Banking account. From the dashboard, navigate to the credit card section where you can view your outstanding balance.</p>

<p>2. Mobile App: Open the IndusInd Bank mobile app and login using your credentials. Find the credit card section or account summary, where you can check your outstanding balance.</p>

<p>3. SMS: Send an SMS from your registered mobile number in the format &#39;BALCC &lt;last four digits of your credit card&gt;&#39; to the specified SMS number provided by IndusInd Bank. You will receive an SMS with your outstanding balance.</p>

<p>4. Customer Service: You can also contact the IndusInd Bank customer service helpline and provide your credit card details to inquire about your outstanding balance.</p>

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