IndusInd Bank Credit Card

Most Important Terms & Conditions

IndusInd Bank - your financial partner.
IndusInd Bank has successfully empowered millions of
demanding customers by pursuing excellence,
building long-term relationships, delivering
innovative solutions & leveraging unique insights.

FOR MORE INFORMATION:

Please visit our bank branches

Call our 24-hour Phone Banking at 1860 267 7777

Log on to vwvw.indusind.com

E-mail us at premium.care@indusind.com

Note: The stated documentation is subject to change and is at the sole discretion of IndusInd Bank.

Terms and conditions apply.

Back Cover
MOST IMPORTANT TERMS & CONDITIONS INDUSIND BANK CREDIT CARDS Fee Joining Fee Annual Fee Condition Add-on
(Actual Fees will (Actual Fees will for Waiver Card Fee
The Most Important Terms and Conditions (MITC) and all information herein is applicable to all Credit Cards/cardholders/ be conveyed at the be conveyed at the of Annual
applicants of Credit Cards/customers of the bank/members of the general public evincing interest in the Credit time of application) time of application) Fees #
Card product of the bank, with immediate effect. The MITC are subject to change. The said MITC are in addition to ePay Amex Credit Card NIL NIL NA NIL
and are to be read along with the terms and conditions of the Cardholder agreement of the bank. Samman Credit Card NIL ₹199 Spend criteria of NIL
₹75,000 or more in
FEES AND CHARGES last anniversary year
Fee Joining Fee Annual Fee Condition Add-on Spend criteria of
(Actual Fees will (Actual Fees will for Waiver Card Fee Pioneer Heritage Credit Card ₹1,00,000 ₹25,000 NIL
be conveyed at the be conveyed at the of Annual
₹10 Lakhs or more in
time of application) time of application) Fees # last anniversary year
Pioneer Legacy Credit Card ₹50,000 / ₹5,000* NIL NA NIL
Platinum Aura Edge NIL NIL NA NIL
Indulge Credit Card ₹75,000 ₹10,000 Spend criteria of NIL
Platinum NIL NIL NA NIL ₹10 Lakhs or more in
Duo NIL NIL NA NIL last anniversary year
Legend ₹5,000 NIL NA NIL Celesta Credit Card ₹25,000 ₹5,000 Spend criteria of NIL
₹10 Lakhs or more in
Nexxt ₹10,000 NIL NA NIL last anniversary year
Pinnacle ₹15,000 NIL NA NIL Crest Credit Card ₹75,000 ₹10,000 Spend criteria of
₹10 Lakhs or more in
Pinnacle for Grandé Customers ₹5,000* NIL NA NIL
last anniversary year
Platinum RuPay Credit Card ₹10,000 NIL NA NIL Indus Solitaire Credit Card ₹30,000 ₹10,000 Spend criteria of NIL
IndusInd Bank Tiger Credit Card (Co-Brand Credit NIL NIL NA NIL ₹10 Lakhs or more in
last anniversary year
Card with Tiger Fintech - A Bajaj Capital Group company)
Pioneer Private Credit Card NIL ₹25,000 Spend criteria of ₹10 Lakhs NIL
Club Vistara IndusInd Bank Explorer Credit Card^ ₹40,000 ₹10,000 NA NIL or more in last anniversary (Only one
IndusInd Bank Avios Visa Infinite Credit Card ₹10,000 ₹5,000 NA NIL year ₹50,000 annual fee add-on
will be charged in case of card will
Poonawalla Fincorp IndusInd Bank eLITE RuPay NIL NIL NA NIL be issued)
Credit Card downgrade from
Pioneer Private Status
EazyDiner IndusInd Bank Platinum Credit Card NIL NIL NA NIL Discontinued cards - Platinum Aura, Platinum Select, Iconia, Intermiles IndusInd Bank Odyssey Credit Card, Intermiles IndusInd Bank Voyage Credit Card and
Platinum Aura Edge Credit Card (For Government Sector).
EazyDiner IndusInd Bank Signature Credit Card ₹1,999 ₹1,999 NA NIL *Pinnacle for Grandé customers & Legacy customers, Joining fee ₹5,000 will be levied if spends criteria of ₹50,000 are not met in first 90 days of card issuance.
#
Spend based annual fee waiver applicable would include Combined spends of Primary and all Add-on Cards, if any. ^No Joining or Annual fee will be charged after 31st March, 2025

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OTHER FINANCIAL CHARGES OTHER FINANCIAL CHARGES
Interest Charge Monthly Rate Annual Rate Over Limit Charges 2.5% of Over Limit Amount subject to a minimum of `500
Waived for Club Vistara Explorer, Pioneer Private, Pioneer
Platinum Aura, Platinum Aura Edge, 3.95% 47.40%
Heritage Credit Card
ePay American Express, Platinum, Platinum RuPay
& Legend, Platinum Select, Samman Credit Card Returned Payments `250

EazyDiner Signature, EazyDiner Platinum, Nexxt, 3.83% 46.00% Cash Advance Charges 2.5% of the advance amount subject to a minimum of ₹300
Pinnacle, Pioneer Legacy, Indus Solitaire Credit Waived for Club Vistara Explorer, Indulge, Pioneer Private,
Card, Iconia, Duo Credit Card, Poonawalla Fincorp Pioneer Heritage, Pioneer Legacy, Avios Visa Infinite, Platinum
IndusInd Bank eLITE RuPay Credit Card Aura Edge (For Government Sector), Samman Credit Card
Savings Plan Change for IndusInd Bank `250
Pioneer Heritage, Celesta, Crest, Platinum Aura 2.99% 36.00% Platinum Aura, Platinum Aura Edge Credit Card
Edge (For Government Sector)
Balance Enquiry Charges on `25
Club Vistara Explorer Credit Card 2.85% 34.00% Non-lnduslnd Bank ATMs
Indulge Credit Card 1.79% 21.48% Railway Booking Surcharge As applicable for other cards
For Samman and Platinum Aura Edge (Government Sector) –
IndusInd Bank Avios Visa Infinite Credit Card 3.00% 36.00%
Waiver of 1% Railway Surcharge on transaction up to ₹5,000.
IndusInd Bank Tiger Credit Card 3.50% 42.00% This is applicable on booking via www.irctc.co.in or IRCTC App.
The maximum cap on Railway Surcharge waiver is ₹600 per
Pioneer Private Credit Card 2.00% 24.00%
card anniversary year.
Late Payment Charges Outstanding Balance
Up to `100 - NIL Cash Payment Fee at IndusInd Bank Branch `100
Between `101 - `500 - `100 Outstation Cheque Processing Fee Please note that the outstation cheques only from IndusInd Bank
Between `501 - `1,000 - `350 locations can be accepted
Between `1001 - `10,000 - `550
Between `10,001 - `25,000 - `800 Foreign Currency Mark-Up Legend, Club Vistara Explorer, Indulge Credit Card - 1.8%, Pioneer
Between `25,001 - `50,000 - `1,100 Legacy Credit Card - 1.8% for paid cards and 3.5% for complimentary
Above `50,000 - `1,300 cards, IndusInd Bank Tiger Credit Card - 1.5%, Avios Visa - 1.5% at
Waived for Club Vistara Explorer, Pioneer Private, Pioneer Heritage POS transactions at preferred international destination and 3.5% at
Credit Card all other destinations, Waived for Pioneer Heritage, Pioneer Private,

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 Indus Solitaire Credit Card, All other Credit Cards (not specified above) - Lounge Key Usage Fee Up to US$35 per person per visit.
3.5 % (GST as per standard rate shall be applicable) Fees will be applicable after utilization of complimentary visits - only for Crest,
Pioneer Heritage MasterCard variant, Solitaire Credit Cards.
Machine Surcharge at ATMs Passed at applicable rates to customer
Reward Redemption Fee For Cash Redemption - ₹149 w.e.f 1st April 2025. For all other category
Fuel Surcharge 1% Fuel Surcharge Waiver* Redemption - ₹100. (Fee not applicable for Pioneer Private, Pioneer Heritage,
(Subject to minimum of INR 10) Please visit www.indusind.com for waiver details as per product offerings EazyDiner Signature, EazyDiner Platinum and Avios Visa Infinite Credit Cards)
(GST on fuel surcharge as per standard rate shall be applicable and 1% Mark-up fee plus taxes on all transactions carried out in Indian Currency
Dynamic Currency Conversion
borne by the customer) at an international location/merchants located in India but registered overseas.
GST At the current rate, as notified by Ministry of Finance, Government of India Fee will not be levied on IndusInd Bank Club Vistara Explorer, Avios Visa
Infinite, Indulge, Celesta, Crest, Pioneer Private, Pioneer Heritage, Pioneer
Duplicate Physical Statement Request `100 per statement (beyond last 3 months)
Legacy and Indus Solitaire Credit Cards.
Re-issue/Replacement All Other Credit Cards - ₹100, Crest and Pioneer Heritage Credit
Rent payments through third-party 1% Fee + GST levied on each transaction.
Card - ₹1,000, Indulge and Pioneer Private Credit Card - ₹5,000,
merchants Fee will not be levied on IndusInd Bank Club Vistara Explorer, Avios Visa
Club Vistara Explorer Credit Card - NIL, ePay Amex Credit Card – NA
Infinite, Indulge, Celesta, Crest, Pioneer Private, Pioneer Heritage, Pioneer
Charge-slip Request `300 Legacy, Indus Solitaire and Platinum RuPay Credit Cards.
Priority Pass Usage Fee Up to US$35 per person per visit. (Charges shall be billed to your Utility payment transactions 1% Fee + GST on the cumulative spends on Utility payments transactions
IndusInd Bank Credit Card). more than ₹25,000 in a statement cycle
Fees will be applicable after utilization of complimentary visits for
Wallet Loading transactions 1% Fee + GST on the cumulative spends on Wallet Loading transactions
Legacy, Celesta, Club Vistara Explorer, Pinnacle, Avios Visa Infinite
more than ₹20,000 in a statement cycle
and Tiger Credit Card.
For Pioneer Private Waived for 12 guests lounge visits outside India, Education Payment transactions 1% Fee + GST on the cumulative spends on Education payments transactions
otherwise US$35 per person per visit applicable. made through third-party websites and applications more than ₹45,000 in a
Priority Pass membership is available upon request on Legend, Nexxt statement cycle. Fee not applicable on Pioneer Private, Pioneer Heritage,
and lounge usage fees will be applicable up to US$35 per person per Pioneer Legacy Credit Cards. Please visit www.indusind.com for more details.
visit.
Fuel Transactions 1% Fee + GST on cumulative fuel transactions exceeding ₹50,000 in a
Priority Pass is not available on IndusInd Bank EazyDiner Signature,
statement cycle w.e.f. 4th May 2025. Fee not applicable on Pioneer Private,
EazyDiner Platinum, Platinum RuPay, Platinum, Platinum Select,
Pioneer Heritage and Pioneer Legacy Credit Cards.
Platinum Aura Edge, Platinum Aura Edge (For Government Sector),
For foreign charges converted by American Express – American Express applies a conversion factor of 3.5% of the amount converted, of which 1.5% will be retained by American
Duo, ePay Amex, Iconia, Poonawalla Fincorp IndusInd Bank eLITE Express or such other rate as determined by us and notified to you. A charge made in a foreign currency other than US dollars, when the conversion is performed by American
RuPay Credit Card and Samman Credit Card. Express, will be converted to US dollars before being converted to your billing currency.

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 STATEMENT CYCLE: 25TH OF EACH MONTH CREDIT AND CASH WITHDRAWAL LIMITS
Type Transaction Date Amount • Credit Limit: This is the maximum limit assigned to the Cardholder. Your total outstanding including all transactions,
Shopper's Stop 14-Jan-24 fee, and charges should not exceed this limit.
`10,000
• Cash Limit: This is the maximum Cash Advance Limit assigned to the Cardholder. This limit is lower than the Credit
Payment Received 10-Feb-24 `7,000 Limit and is a subset of the overall Credit Limit.
• Available Credit Limit: The available Credit Limit at any time is the difference between assigned Credit Limit &
Example for interest computation: If full payment of `10,000 is made by Payment Due Date, no interest would be levied.
In the above example interest will be charged as follows in the statement dated 25-Feb-24. Outstanding balance on the Card at that point of time.
• Available Cash Limit: The available Cash Limit at any time is the difference between assigned Cash Limit &
Outstanding Cash Balance on the Card at that point of time.
Type Transaction Outstanding Up to Date Days Interest Interest • The Credit and Cash Limits will vary for each Cardholder and will be disclosed in the monthly statement sent to the Cardholder.
Date Balance Rate
3.83% p.m./ 138.63 (11/365 days*
Shopper's Stop 14-Jan-24 `10,000 25-Jan-24 11 BILLING & STATEMENT
46% p.a. 46%* `10,000)

Opening Balance `10,000 10-Feb-24 16 3.83% p.m./ 201.64 (16/365 days* • The Bank will send a monthly statement to the Cardholder, e-mail and/or physical, through the delivery mode as
on 25-Jan-24 46% p.a. 46%* `10,000) specified by the Bank for each billing period during which there is any transaction/payment or any amount outstanding
on the Card account.
Payment of `7,000 10-Feb-24 `3,000 25-Feb-24 15 3.83% p.m./ 56.71 (15/365 days* • Non-receipt of Statement would not affect the Cardholder's obligations and liabilities under this agreement and
on 10-Feb-24 46% p.a. 46%* `3,000) he/she shall be liable to settle atleast the MINIMUM AMOUNT DUE before the Payment Due Date.
Total Interest Payable `396.98 • Minimum Amount Due is calculated as 5% of Total Amount Due or such other amount as may be determined by
lnduslnd Bank at its sole discretion. Please note that making only the minimum payment every month would result
Please note in the above illustration interest has been calculated at 3.83% p.m. in interest being levied on all subsequent transactions from the transaction date itself & also in the repayment
Interest is calculated on a daily basis on the current outstanding balance of the Cardholder. Interest is levied if Total Amount stretching over a period of time with consequent interest payment on your outstanding balance. With effect from
Due is not paid off by due date. Also, interest will be levied on all cash advances from the date of the transaction until the date 1st August 2025, the calculation for Minimum Amount Due (MAD) will be revised to 2%. Calculation for Minimum Amount
of payment. Interest rate of 3.83% per month (46% per annum) will be applicable initially. The bank can at its sole discretion Due (MAD) 100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit
change the interest rate depending on factors such as, but not limited to, credit history, purchase patterns, payment behavior, Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding.
loyalty and vintage of the customer. Interest charges are dynamic and are subject to change based on periodic review by
lnduslnd Bank.

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Illustrative examples for Interest, Charges and Minimum Amount Due calculation: No further payment is made on the card till 18th December (i.e. next statement date). Overdue Interest rate of 47.40% per
annum will be applicable till Minimum Amount Due is cleared i.e. till 15th December in the above illustration. Interest and
Illustration 1 charges will be levied as follows:
The following illustration will indicate the method of calculating various charges in the event Minimum Amount Due is not a) Interest charges
Paid by the payment due date. Assuming that Cardmember has paid all previous dues in full and does not have any
amount outstanding in the Card Account. The statement date is 18 th November, and the payment due date is 8 th
December. The following is the list of transactions done in the Card Account: Balance Amount* From Date To Date No. of Days Interest Charges
`15,000 10-Nov 14-Nov 5 `97.40
Date Transaction Amount Balance `20,235 15-Nov 16-Nov 2 `52.56
10-Nov Purchase `15,000 `15,000 `26,235 17-Nov 14-Dec 28 `953.95
15-Nov Restaurant Bill `5,000 `20,000 `6,235 17-Dec 18-Dec 2 `16.19
15-Nov Purchase `235 `20,235 Total Interest Charges `1,120.09
17-Nov Grocery Purchase `6,000 `26,235
18-Nov Statement Date Total Amount Due `26,235 *Eligible balance for Interest Calculations, excluding Fees & Charges.
Minimum Amount Due (2% of Total Amount Due) `525
b) GST @18% of interest charges = `201.62
08-Dec Payment Due Date
11-Dec Late Payment Charges (including GST) `1,298 `27,533 c) Total balance outstanding amount = `7,533.00

15-Dec Payment `20,000 (credit) `7,533 Hence, Total Amount Due in the 18th December statement will be (a) + (b) + (c) = `8,854.71
18-Dec Statement Date Total Amount Due `8,854.71
Minimum Amount Due in the 18th December statement will be 2% of Retail Purchases/Balance Outstanding + 100% GST
Minimum Amount Due (2% of Retail Purchases/ `2,770.37
Balance Outstanding + 100% GST + 100% Interest + + 100% Interest + 100% Late Payment Charges = `2,770.37
100% Late Payment Charges)

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Illustration 2 No further payment is made on the card till 18th December (i.e. next statement date). Assuming Interest rate of 47.40%
per annum on the Card, interest and charges will be levied as follows:
The following illustration will indicate the method of calculating various charges in the event payment done on or before
payment due date equals or exceeds the Minimum Amount Due but is less than Total Amount Due. Assuming that a) Interest charges
Cardmember has paid all previous dues in full and does not have any amount outstanding in the Card Account. The
statement date is 18th November, and the payment due date is 8th December. The following is the list of transactions done Balance Amount* From Date To Date No. of Days Interest Charges
in the Card Account:
`15,000 10-Nov 14-Nov 5 `97.40

Date Transaction Amount Balance `20,235 15-Nov 17-Nov 3 `52.56

10-Nov Purchase `15,000 `15,000 `26,235 18-Nov 08-Dec 21 `715.46

`24,700 09-Dec 11-Dec 3 `96.23
15-Nov Restaurant Bill `5,000 `20,000
`22,700 11-Dec 13-Dec 3 `88.44
15-Nov Purchase `235 `20,235
`23,700 13-Dec 16-Dec 4 `123.11
17-Nov Grocery Purchase `6,000 `26,235
`5,700 16-Dec 18-Dec 3 `22.21
18-Nov Statement Date Total Amount Due `26,235
Minimum Amount Due (2% of Total Amount Due) `525 Total Interest Charges `1,195.39
08-Dec Payment Due Date
08-Dec Payment `1,535 (credit) `24,700 *Eligible balance for Interest Calculations, excluding Fees & Charges.
11-Dec Payment `2,000 (credit) `22,700
b) GST @18% of interest charges = `215.17
13-Dec Electricity Payment `1,000 `23,700
c) Total balance outstanding amount = `5,700
16-Dec Payment `18,000 (credit) `5,700
Hence, Total Amount Due in the 18th December statement will be (a) + (b) + (c) = `7,559.49
18-Dec Statement Date Total Amount Due `7,559.49
Minimum Amount Due (2% of Retail Purchases/ `1,524.56 Minimum Amount Due in the 18th December statement will be 2% of Retail Purchases/Balance Outstanding (2% of `5,700
Balance Outstanding + 100% GST + 100% Interest)
= `114) + 100% GST + 100% Interest = `1,524.56

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Illustration 3 • Interest free credit period is applicable only if all previous dues are paid in full, and there is no unpaid balance
carried over from previous month's statement outstanding dues.
The following illustration will indicate the method of calculating various charges in the event Total Amount Due is Paid by
• The Cardholder agrees that it is his responsibility to notify the bank in case of non-receipt or discrepancy in his
the Payment due date. Assuming that Cardmember has paid all previous dues in full and does not have any amount
monthly statement within 15 days of his statement billing date. In case the Cardholder does not notify the bank
outstanding in the Card Account. The statement date is 18th November, and the payment due date is 8th December. The of any such event, the statement will be deemed to have been delivered and conclusive.
following is the list of transactions done in the Card Account: • Late Payment Charges will be levied if Minimum Amount Due (exact amount including decimals if any) is not paid
on or before the Payment Due Date. Late Payment Charges will also be levied in case of no payment or payment
Date Transaction Amount Balance less than the Minimum Amount Due.
10-Nov Purchase `15,000 `15,000
15-Nov Restaurant Bill `5,000 `20,000 HOW TO MAKE PAYMENT

17-Nov Grocery Purchase `6,000 `26,000

All payments are to be made in Indian Rupees only. The Cardholder has the benefit of only following modes of effecting
18-Nov Statement Date Total Amount Due `26,000 payment to a bank:
Minimum Amount Due (2% of Total Amount Due) `520 1. By clicking 'IndusInd Credit Card Payment' on IndusNet, you can make the payment from your IndusInd Bank
08-Dec Payment Due Date Savings account.
2. INDIE: Using the “Pay Bill” option in the Credit Card Dashboard section on INDIE App from your IndusInd Bank
08-Dec Payment `26,000 -
account.
16-Dec Electricity Bill Payment `5,000 `5,000 3. Using the "Swift Pay" option on www.indusind.com to pay from any bank account
18-Dec Statement Date Total Amount Due `5,000 4. Online Funds transfer from a non-lnduslnd Bank account using NEFT/RTGS/Visa Money Transfer facility
Minimum Amount Due (2% of Total Amount Due) 5. Cheque/Draft favouring lnduslnd Bank Credit Card No. XXXXXXXXXXXXXXXX deposited at lnduslnd Bank
`100
Branches ATMs. You are advised to drop cheques at least 4 working days prior to the payment due date to ensure
No further payment is made on the card till 18th December (i.e. next statement date). Assuming Interest rate of 47.40% timely credit to your Card account and avoid levy of penal charges. Please mention your mobile number on the
per annum on the Card, interest and charges will be levied as follows: reverse of the cheque, we shall send you an SMS on receipt of your cheque.
6. Cash Deposit at lnduslnd Bank branches.
a) Interest charges - NIL
7. By activating Auto Payment Facility on your lnduslnd Bank account or through NACH facility on your non lnduslnd
b) GST charges - NIL Bank account. Contact phone banking for more details. Payment received against card outstanding will be adjusted
c) Total balance outstanding amount = `5,000 against all EMls, Taxes, Fees, Other Charges, Interest Charges, Cash Advance and Purchase, in that order.
Hence, Total Amount Due in the 18th December statement will be (a) + (b) + (c) = `5,000

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CONTACT CHANNELS, GRIEVANCE REDRESSAL & COMPENSATION FRAMEWORK specified and updated in the compensation policy displayed on the bank website under Regulatory Disclosures>
Customer Policy> Customer Compensation Policy where it is established that the Bank had issued and activated a
The Cardholder can contact the Bank through any of the following communication channels for any enquiries and/or Credit Card without written consent of the recipient, the Bank would reverse the charges immediately. Please refer to
redressal of concerns. https://www.indusind.com/content/dam/regulatoryDisclosure/customer-policy/Customer-Protection-policy.pdf
1. 24-Hour Phone Banking Number: 18602677777. Operation of credit account shall be in accordance with IndusInd Bank Credit Card terms and conditions. Transactions
2. Email: premium.care@indusind.com reported as erroneous by customers, which require specific reference to a merchant establishment will be handled as
3. By writing to the Bank's Credit Card Unit at: lnduslnd Bank Ltd. (Credit Cards Division), PO Box 9421, Chakala, MIDC, per chargeback rules laid down by card networks (VISA/MasterCard/American Express/RuPay). The Bank will
Andheri (East), Mumbai - 400 093. provide explanation and, if necessary, documentary evidence to the customer within a maximum period of sixty days. Failure
4. For unresolved grievances, please write to: Head Card Services, lnduslnd Bank Ltd. (Credit Cards Division), PO Box on the part of the card-issuers to complete the process of closure of Credit Card within seven working days shall result in a
9421, Chakala, MIDC, Andheri (East), Mumbai - 400 093 or email: head.cardservices@indusind.com penalty of ₹500 per day of delay payable to the customer, till the closure of Credit Card, provided there is no outstanding in
In case you do not receive a response from Head Card Services within 7 days, you may write to: Ms. Dilnaz Sidhwa, the Credit Card account. Failure on the part of the card issuer to reverse the debit for an unsuccessful / failed transaction within
Executive Vice President & Principal Nodal Officer, IndusInd Bank Ltd. OPUS Center Road, Opp. Tunga Paradise Hotel 5 days shall result in a penalty of `100 per day, payable to the customer, till the debit amount is reversed.
MIDC, Andheri (East), Mumbai - 400 093. Email: nodal.officer@indusind.com Tel.No: (022) 61553705 between 09.30
a.m. to 05.30 p.m. Monday to Friday. DEFAULT
Please quote your lnduslnd Bank Credit Card Number in all your correspondences with us. Please note that the
mechanism and timelines of Grievance Redressal Policy is available on the website www.indusind.com and the same • In the event of default, the Cardholder will be sent reminders from time-to-time by representatives of IndusInd Bank
can be accessed under Regulatory Disclosures > Grievance Redressal. including third parties appointed by IndusInd Bank for settlement of any outstanding on the Credit Card Account, by post,
Timeline for redressal of grievances: Customer Grievance will be addressed within a period of 30 days, if your issue still fax, telephone, electronic mail, SMS messaging and/or engaging its representatives to remind, follow up and collect dues
remains unresolved or if you have not received response within 30 days of lodging a complaint, you may approach the third party so appointed, shall adhere to the code of conduct on debt collection as applicable from time-to-time.
Banking Ombudsman appointed by the Reserve Bank of India. • Procedure including notice period for reporting a cardholder as defaulter: Grace period of 3 days is allowed from the
Credit Card Closure - To close your Credit Card please write to us at creditcard.closure@indusind.com or call our payment due date on Credit Card Accounts, where payments are not overdue. The clear funds must be credited by
24-Hour Phone Banking Number: 18602677777 (subject to no outstanding dues in the card account) payment due date as mentioned on the Credit Card statement, however 3 grace days are provided to accommodate for
Credit Card Complaints - To raise any complaint regarding Credit Card mis-selling please write to us at processing time of payments. The Bank shall report a Credit Card Account as 'past due' to credit information companies
ccsalescomplaint@indusind.com (CICs) and levy late payment charges when a Credit Card Account remains 'past due' for more than 3 days.
5. Compensation framework for unsuccessful/failed transactions, delay in redressal of grievance, delay in closing of • In case the cardholder fails to make payment of either the Minimum Amount Due or the total amount due, under each
account/blocking of lost or stolen cards, etc.: In case of unsuccessful transaction/failure, as per Harmonisation of TAT, monthly billing statement, the bank shall notify the customer of such non-payment and its intention to report the
the Bank will reverse blocked amount within 5 days. In case if the merchant claims such transaction, the regular dispute cardholder as defaulter to the Credit Information Companies (CIC) in case the cardholder fails to pay the Minimum
process will be followed as per franchise guidelines which is covered in the compensation policy. The timeline is Amount Due or the total amount due within 7 (seven) days.

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• Procedure for withdrawal of default report and the period within which the default report would be withdrawn after TERMINATION/REVOCATION OF THE CARDHOLDERSHIP
settlement of dues: In case the cardholder makes the payment of either the Minimum Amount Due or the total amount
due after the expiry of 7 (seven) days’ notice period, the Bank shall update the status within 30 (thirty) days from the date • The Cardholder may terminate this agreement at any time by way of a written request or by calling lnduslnd Bank Phone
of settlement of dues. In case a transaction is disputed by customer, a temporary credit equivalent to the amount Banking with a request to terminate all facilities and benefits there to associated with the Credit Card.
disputed by customer will be provided to the Credit Card account of the customer. • Termination will only be effective when the bank will receive payment of all amounts outstanding in respect of the Credit Card account.
• The Bank may terminate the Credit Card facility immediately at any time, at its discretion or at any time restrict its use, without
In the event that the Cardholder commits an instance of default, the bank at its sole discretion will be entitled to: any notice in that regard. Where the bank terminates the Credit Card facility, all amounts outstanding on the card account
• Withdraw all Credit Card facilities extended to the Cardholder (including charges or cash advances not yet debited) will become due and payable immediately. In such case, the bank has
the Cardholder's express authority to debit the card accounts for all withdrawals/ transfers effected by the use of Credit Card/
• Ask the Cardholder to pay immediately all outstanding balance on the card PIN as per the bank's records, which will be conclusive and binding.
• Exercise the bank's right to lien and set-off the amount outstanding against any monies/deposits/accounts maintained in • Procedure for closure of card account if the card has not been used for more than one year (In addition to financial transactions,
the Cardholder's name with the bank any process initiated by the cardholder such as generation of statement, change of PIN or change in transaction controls shall
• Proceed independently of any right of lien/set-off to recover all outstanding in a lawful manner deemed fit by the bank be considered for treating a card as ‘used’). Please note that if a credit card has not been used for a continuous period of 1
(one) year , the Bank will intimate the cardholder about non-usage of the card and request the cardholder to start using the
• Without prior notice to the Cardholder and under confidentiality, disclose to the Reserve Bank of India or any authority, credit card within 30 (thirty) days from the date of such intimation. If either no reply is received from the cardholder or the cardholder
bureau or any governmental authority or any other body/person the identity of the Cardholder and the fact that the Cardholder does not start using the card within a period of 30 (thirty) days, the card account shall be closed by the Bank, subject to
has committed an instance of default payment of all dues by the cardholder.

The bank shall be entitled to withdraw any default report issued at its sole discretion in case: LOSS/THEFT OF THE CARD
• The defaulter in question has liquidated his entire outstanding dues with the bank or settled his dues with the bank • The Cardholder is responsible for the security of the card and shall take all steps to ensure the safe keeping thereof.
• A court verdict has been received instructing the bank to de-list the Cardholder against the bank in a legal suit filed by or • The Cardholder shall report the loss of the card to the Bank by calling the 24-Hour Phone Banking number, through
against the bank. Decisions are taken on a case-to-case basis upon individual reviews INDIE/lndusNet/IVR or by sending SMS BLOCK <last 4 digits of Credit Card number> to 5676757 from his registered mobile
• In the event of death or permanent disability of a Cardholder, lnduslnd Bank reserves the right to pursue all courses available number, immediately on such loss. The Bank will attempt to deactivate the card immediately to prevent misuse.
to it under law and equity at its discretion, to recover any card account(s) outstandings, including recovery of the card The Cardholder must file a First Information Report ('FIR') with the local police. The Cardholder must send a written
outstandings from any applicable insurance cover or from the heirs/executors/administrators of the Cardholder confirmation to the Bank. The Cardholder shall then send the following documents to the Bank:
• FIR Report duly acknowledged by an officer
• Letter giving details of the loss/disputed transactions Indemnity letter from the Card holder

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 • Passport copies, incase of International transaction dispute • The Cardholder acknowledges that, as per the business practices and applicable provisions, the bank is authorised to
• All other documents as required by the bank and to the satisfaction of the bank share Cardholder information with any existing or future Credit Bureaus as determined by the bank from time-to time.
• The bank shall at its own cost, take out an insurance policy for lost/stolen card within the geographical limit and subject to The Cardholder further acknowledges that the bank is entitled to share such information without providing prior notice
the terms and conditions and the limit as more particularly set out in the policy to the Cardholder, and such information may pertain to positive or negative performance/default by the Cardholder.
• Available insurance cover, if any, for cardholder and date of activation of policy including nomination details - Select Credit • The Credit Information Bureau of India Ltd. (CIBIL) is an initiative of the Government of India and the Reserve Bank
Card variants have a complimentary insurance cover on the Card. The policy coverage starts from the date of the Credit of India (RBI) to improve the functionality and stability of the Indian financial system. This is in line with RBl's efforts
Card set up. For information on updating nominee details and terms and conditions, please visit www.indusind.com to provide an effective mechanism for exchange of information between banks and financial institutions, thereby
• In case of loss/theft/misuse of card, the Bank shall be guided by the ‘Customer Protection Policy’ updated on the website of enabling Cardholders to avail of better credit terms from various institutions.
the Bank which has been formulated based on the RBI circular on Customer Protection – Limiting Liability of Customers • All banks and financial institutions participating in this initiative are required to share Cardholders' data with CIBIL.
in Unauthorised Electronic Banking Transactions’ as updated from time to time. (RBI Circular - ref. DBR. No. Leg.BC.78/ In view of the above, the bank wishes to inform the Cardholders that lnduslnd Bank shall be reporting the data
09.07.2005/2017-18 dated July 6, 2017) pertaining to the Cardholders' Account with them to CIBIL. This data will be updated on a regular basis for all its
Cardholders and the bank thanks the Cardholder(s) for their continuing support and co-operation in this matter.
OTHERS • EazyDiner IndusInd Bank Credit Card is a co-branded Credit Card issued by IndusInd Bank in partnership with
EazyDiner Private Limited. There is a revenue sharing arrangement between IndusInd Bank & EazyDiner Private
• I/We, certify that all information furnished by me/us is true. I/We, the Cardholder(s) hereby expressly authorise the
Limited for this co-branded Credit Card.
bank for the purpose of credit verification or reference checks, protection of its interests, etc. to disclose all/any
• IndusInd Bank Avios Visa Infinite Credit Card co-branded Credit Card in partnership with AVIOS GROUP (AGL)
information/documents relating to the Cardholder/this agreement and/or any other agreements or upon default
LIMITED and QATAR AIRWAYS GROUP Q.C.S.C. There is a revenue sharing arrangement between IndusInd
committed by the Cardholder, to the Reserve Bank of India, Income Tax Authorities, Law enforcement authority,
Bank AVIOS GROUP (AGL) LIMITED and QATAR AIRWAYS GROUP for this co-branded Credit Card.
tribunals, courts, judicial bodies, other banks, credit bureau, financial institutions or any other third party, at any
• Club Vistara IndusInd Bank Explorer Credit Card is a co-branded Credit Card issued by IndusInd Bank in
point of time. I/We waive the privilege of privacy & privity of contract.
partnership with Tata SIA Airlines Limited, (Operatings as Vistara). There is a revenue sharing arrangement
• The Cardholder hereby agrees that the information furnished by the Cardholder in the application or otherwise, may be
between IndusInd Bank and Tata SIA Airline Limited, (Operatings as Vistara) for this co-branded Credit Card.
further used by bank for marketing purposes to sell card related offers, including but not limited to balance transfer, EMI
• IndusInd Bank Tiger Credit Card is a co-branded Credit Card issued by IndusInd Bank in partnership with Tiger
offers, cash-related offers, insurance products, etc. from time-to-time. Further, bank may use this information to market
Fintech Private Limited (A Bajaj Capital Group Company). There is a revenue sharing arrangement between
other products of bank from time-to-time in conformity with the disclosure norms as applicable.
IndusInd Bank and Tiger Fintech Private Limited for this co-branded Credit Card.
• Bank may also use the information provided by the Cardholder for marketing their products via telemarketing channels/calls or
• Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card is a co‐branded Credit Card issued by IndusInd Bank
direct mail or any other channel of communication deemed fit by the bank. For ensuring that the Cardholder(s) are not
in partnership with Poonawalla Fincorp Ltd. There is a revenue-sharing arrangement between IndusInd Bank &
inconvenienced, the bank maintains a 'Do-Not-Call' register and if the Cardholder(s) would not like to be called for any
Poonawalla Fincorp Ltd. for this co‐branded Credit Card, and the role of Poonawalla Fincorp Ltd. shall be limited to
marketing offers, they may inform the bank for listing their said contact numbers in the 'Do Not-Call' register.
marketing and distribution.

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