If you're looking for a card that's not going to charge you just for having a card, IndusInd Bank might have a card for you. The bank charges no annual fee for the card so if you use it, you pay, if you don't use it you don't pay. Additionally, you can load up on perks if you do in fact use the card.
In a highly technological world, credit cards are certainly the norm. From paying groceries to getting fuel for the car, these tools have become an essential part of everyday life. And IndusInd Bank credit cards come in different shapes and forms for each kind of user. From travel benefits to dining discounts, there are a number of ways these credit cards can make your life easier.
Our editors have looked into the IndusInd Bank credit card and have come up with some things you should know. Make sure you check out the section on fees in order to determine if you have the capability of paying them. Additionally, you'll want to know what the extras are and whether or you're eligible.
What Are The Features Of The Credit Card?
IndusInd offers an extensive range of credit cards. Each of these credit card lines under the bank caters to a variety of concerns – from travel and lifestyle, sports, and daily necessities. With 18 cards under their arsenal, IndusInd Bank is ready to offer one that fits your needs.
Most of their offerings entitle cardholders to earn enviable rewards points that can be used for its rewards program. For example, under their Signature Credit Card, members are entitled to earn 1.5 points for every Rs. 100 spent. Redemption options include airline miles, cash credit, gift vouchers, and many more.
As with most of its offerings, IndusInd also prides itself in giving cardholders with a petrol surcharge waiver valued at 1%, thereby allowing customers to get Rs. 80 in monthly savings. Speaking of savings, cardmembers are eligible to purchase two movie tickets for the price of one. Cardholders may also enjoy comprehensive travel insurance and complimentary lounge usage per year.
What Are The Fees Of The Credit Card?
- Joining Fee – Rs. 500 to Rs. 25,000 depending on the chosen card
- Annual Fee – No annual fee except for the InterMiles IndusInd Bank Odyssey Credit Card valued at Rs. 4,000 and the InterMiles IndusInd Bank Voyage Credit Card valued at Rs. 2,000
- Interest Charge – 46% annually
- Late Payment Charge – Rs. 100 to Rs. 700
- Over Limit Charge – 2.5% of the over-limit amount (minimum of Rs. 500)
- Foreign Currency Charge – 3.5%
How To Apply For the IndusInd Bank Credit Card
Interested applicants for an IndusInd Bank credit card may do so by visiting the IndusInd Bank credit card apply online page. The online application form will ask applicants to disclose their personal information such as their names, financial information, employment details, and the like. Other required documents may include proof of billing address, PAN Card, and the like.
Individuals at least 18 years old are eligible to apply. Applicants must also have a good credit score in order to be approved. A passport-sized photo may also be required, so be sure to have this on hand.
The application process might take a few days to a weeks’ time. However, you may check your eligibility found on the bank’s online eligibility tab. Once approved, the bank will determine the credit limit and will base these on the documents and information provided.
How To Contact Indus Ind Bank
The IndusInd Bank credit card offers a depth of perks, making it a worthwhile investment to have. For queries, you may reach the bank at 1860 267 7777 or visit them at their registered office at IndusInd Bank, Pune Branch, 2401, Gen. Thimmayya Road (Cantonment), Pune – 411 011, India.
*Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.
