Skip to Content
I'm interested in
Cards
Pinnacle Credit Card

Features

Pinnacle credit card features

Please call 1860 267 7777 to apply for Pinnacle Credit Card.

Product Overview

You stand for the highest high - a pinnacle of success, of a good life and a lifestyle that commands nothing but the best! Presenting to you the IndusInd Bank Pinnacle Credit Card - a Card that truly stands for the best that there is.

IndusInd Bank Pinnacle Credit Card comes with a comprehensive range of travel, lifestyle and golf privileges tailor-made for your refined tastes. Come on board and experience the pinnacle of luxury.

Please click here to view Safety Tips on your Credit Card.

Pinnacle Welcome

Welcome to the Pinnacle Life. With the IndusInd Bank Pinnacle Credit Card you can enjoy all the privileges that you deserve.

The rewards of the Pinnacle Life are many. The choice is yours. Choose any one of the options from a select collection of handpicked welcome gifts for you.

Jet Airways:

Fly high to your destination with Jet Airways promotion codes that will entitle you to a one way journey of your choice.

The promotion codes will enable you to avail 100% discount on base fare. All applicable taxes and other charges will need to paid by the customer using the IndusInd Bank Pinnacle Credit Card.

These codes will be sent to your email id and mobile number registered with us.

Travel Date & Booking Date have to be within the expiry date of the promo codes

Click here for terms & conditions

Oberoi Hotels:

Choose from a bouquet of luxury hotels from Oberoi Hotels for a memorable stay experience.

For reservations, please contact Oberoi Central Reservations (Toll free: 1 800 11 2030; Telephone: +91 11 2389 0606; Email: reservations@oberoigroup.com; Fax: +91 11 2389 0500) after receiving your Oberoi Gift Voucher from IndusInd Bank*.

Please note: The above Welcome Gifts are available at select fee points only. Please call our phone banking number for further details.

Click here for terms & conditions

Genesis Luxury Vouchers:

Get access to 14 international brands through Genesis Luxury Vouchers and enjoy a never before luxury retail experience.

Please note: The above Welcome Gifts are available at select fee points only. Please call our phone banking number for further details.

Click here for terms & conditions

Pinnacle Rewards

The Rewards program on your IndusInd Bank Pinnacle Credit Card is designed for simplicity. The IndusInd Bank Pinnacle Credit Card allows you to earn rewards faster and gives you two simple options to redeem them as per your convenience.

Earning of Reward Points:

Watch your reward points grow by using your IndusInd Bank Pinnacle Credit Card for business or pleasure wherever and whenever you choose.

2.5 Reward Points for every Rs.100 spent online (E-commerce transactions)
1 Reward Point for every Rs.100 spent at the Point of Sale (POS) terminals

  • MoTo trasactions, IVR transactions and Standing Instructions will be classified as Point of Sale Transactions
  • The maximum number of reward points that can be redeemed in one statement cycle is 25,000 reward points for IndusInd Bank Pinnacle Credit Card for Cash Credit option.
  • Effective 1st February, 2017, online travel and airline transactions will be excluded from e-commerce category for the purpose of rewards earning.

Redemption of Reward Points:

We understand your need for choice and have tailored our redemption options to provide you with the following:

TheMoreStore Click here for terms & conditions
Oberoi Hotels & Resorts Stay vouchers Click here for terms & conditions
Genesis Luxury Vouchers Click here for terms & conditions
Airline Miles on partner airlines Click here for terms & conditions
Cash Credit Click here for terms & conditions

Click here for generic terms & conditions and the steps to redeem your Reward Points against any of the Redemption options.

Pinnacle Art Advisory

We know you are a connoisseur of art and to facilitate your interest further IndusInd Bank Pinnacle Credit Card brings to you a professional consulting advisory on contemporary art.

You will also get access to VIP events like Art fairs, Biennales and important museum show openings around the world. It will take the art aficionado in you places!

Click here for terms & conditions

Pinnacle Golf

Tee off in style at most stunning Golf Clubs across India courtesy IndusInd Bank*

As an IndusInd Cardholder, enjoy complimentary golf games and lessons** specially hosted for you leading golf clubs in Ahmedabad, Bengaluru, Chennai, Delhi – NCR, Hyderabad, Mumbai and Pune.

To know the entire list of golf courses and book your complimentary round, call the IndusInd Bank Concierge


*Golf Privileges brought to you by IndusInd Bank in conjunction with Apexlynx

**Offer subject to applicable detailed Terms & Conditions

Terms and Conditions apply. Please click here for details and Terms & Conditions

For list of Clubs for Complimentary Green Fees and Golf lessons , Please Click here

Pinnacle Life

Movies are magical and what better way to experience them than with someone special.

As a IndusInd Bank Pinnacle Credit Cardholder, you can book movie tickets with our partners, BookMyShow for you and your companion for the price of one.

Bookmyshow.com

  • Buy One movie ticket and get the other one absolutely free *
  • The Cardholder can avail upto 3 free movie discounts in a month
  • Offer valid on all theaters registered with Bookmyshow across all major cities.
  • Please log onto www.bookmyshow.com to book your tickets today.

*The price of the free ticket is capped at Rs. 200. In case, the price of the ticket is more than Rs. 200, the cardholder will receive a discount of Rs. 200 and the remaining amount will have to be paid by the Cardholder using his IndusInd Bank Credit Card.

Click here for terms & conditions

Soneva - Inspiring a lifetime of rare experiences

Soneva is a world leading award-winning sustainable luxury resort operator that owns and manages Soneva Fushi in the Maldives and Soneva Kiri in Thailand. Soneva in Aqua, an ultra-luxurious yacht offering an experiential travel experience.

Please Click here for Terms & Conditions
Soneva

 

 

Pinnacle Travel

Successful people are always on the move. Be it within the country or abroad, planning your travel is no easy task.

At IndusInd Bank, we make sure that you are pampered with style and care, making travel a pleasurable experience for you.

Along with numerous travel offers, you can now also enjoy access to 600+ lounges across the globe with a complimentary Priority Pass.

Enjoy 1 complimentary visit in each calendar quarter to any of the participating International Lounges within India and abroad on your IndusInd Bank Pinnacle Credit Card.

Please Click here for Terms & Conditions

Value Offering:

Annual membership Priority Pass cost Annual Benefit
Priority Pass Membership USD99 X 2 USD 198 (Rs. 9,900 per annum approximately)

Travel Plus Program :

IndusInd Bank understands your travel needs and brings to you set of unique travel assist program - 'Travel Plus'.

You already have access to over 600 VIP airport lounges around the world as part of the Priority Pass Program. With the Travel Plus Program, you also enjoy special waivers on lounge usage charges outside India.

Value Offering:

Program Travel Insurance Lounge usage Enrolment fees Annual Saving
Travel Plus Yes Maximum of 8 lounge usage/yr of value $27 Rs. 5,000 per annum w.e.f. 15th Oct 2013 Rs. 12,960 approximately

Travel Insurance Cover Details:

IndusInd Bank has tied up with ICICI Lombard General Insurance Company Limited("Insurance Company") as a group manager to provide Card holders with the following insurance cover under the Program:

Insurance cover Sum assured (up to)
Lost baggage Rs. 100,000
Delayed baggage Rs. 25,000
Loss of passport Rs. 50,000
Lost ticket Rs. 25,000
Missed connection Rs. 25,000

Click here for terms and conditions.

Pinnacle Assistance

Direct Connect

We recognize the importance of your time and bring you the exclusive Direct Connect Service.

Call us from your registered mobile number on 1860 267 7777 and we will instantly recognize you and connect you to a phone banking officer.

Priority Care

You can email us all your queries and concerns at priority.care{}indusind.com.

Pinnacle Concierge

A 24-hour concierge service, created especially for our premium customers like you. This is a complimentary service with host of premium benefits to match and complement your lifestyle. With an efficient team, accessible from any corner of the world, all you have to do is call ask for assistance, sit back and relax. We take care of the rest.

Concierge offers you:

Pre-trip Assistance:-

No more pre-trip worries. Collect all the information you need to know before you go. The concierge will provide you with all the information about your travel destination, line the weather, important landmarks, modes of transport etc.

Hotel Reservation:-

Let the concierge handle your reservations. The concierge shall make all the arrangements in the finest hotels across the world to ensure you have a pleasurable and comfortable stay.

Flight Booking:-

The concierge will make all the necessary flight arrangements to help you get to your desired destination.

Sports and Entertainment Booking:-

Whether it's the FIFA finals (FIFA needs to be changed) or strawberry and cream at the Wimbledon, the concierge will make sure you don't miss out on your favourite event.

Exclusive Booking:-

If you are interested in special events like workshops or talks by eminent personalities, the concierge will provide you with all the information you need and also make reservations on your behalf (whenever possible).

Flower and Gift:-

Need help arranging a special gift or want to send flowers to that special someone, leave it to the concierge. Now, you can have a gift delivered to anyone, anywhere in the world, whether it is Swiss watches of French wine, the concierge will ensure that it is delivered to your loved ones.

To avail these services, please call our Concierge Desk at 1860 267 7777

Auto Assist

It is believed that the journey is more important than reaching the destination. And we make sure that nothing robs you of this priceless experience.
When on the road, there could be a thousand things that could interrupt your journey. But not when you have the IndusInd Bank assistance. Be it an unwanted flat tire, an unforeseen vehicle breakdown or any other emergency it can now be tackled with Auto Assist.
With your IndusInd Bank Pinnacle Card, you can now call for help 24-Hours, all 365 days.

Roadside Repair Service:
In the event that your vehicle breaks down on the road due to any Mechanical / Electrical fault, Auto Assist will help in arranging for the mechanic for repair of your vehicle at the vehicle's breakdown location.

Emergency Fuel Supply:
If, your vehicle gets stranded on the road due to lack of fuel, the Auto Assist shall arrange to deliver the fuel (up to 5 liters) to the location where your vehicle is stranded.

Flat Tire Services:
In case of a flat tire, the Auto Assist shall arrange for a mechanic to come and repair the flat tire.

Keys Locked Inside:
In the case of car keys getting locked inside the car or keys getting misplaced, Auto Assist can even arrange for a locksmith to come and either prepare a new car key or open your car for you at the time of need.

Battery Service:
In case the battery is dead and not functioning, the Auto Assist shall arrange for a service provider to come for battery repair at the vehicle's breakdown location.

Emergency Towing Assistance:
In case of a breakdown where the car needs to be towed, the Auto Assist shall arrange for a towing service for taking your car to the appropriate repair shop.

Accident Management & Medical Assistance:
In the unfortunate event of an accident or emergency, the Auto Assist will help you by co-ordinating necessary activities including emergency message transmission, arranging for emergency medical assistance, towing of vehicles.
Auto Assist services are available in Mumbai, Delhi, Bangalore, Pune, Chennai and Kolkata.
Be safe and worry-free, wherever you go.
For further details please call the Concierge Desk at 1860 267 7777

*Click here for terms and conditions of the applicable insurance policy.

Pinnacle Freedom

Get freedom from surcharge on petrol pumps across India. Enjoy a waiver* of 2.5% surcharge at any petrol pump across India.

Value Offering:

Petrol Surcharge Waiver Monthly Savings Annual Savings
Monthly fuel usage @Rs. 8000 Rs. 200 Rs. 2,400

The information given in the value offering is based on certain assumptions and is for illustration purpose only. Actual savings will depend on the usage pattern of a particular cardholder.

*Click here for terms and conditions

Pinnacle Assurance

Total Protect:

You don't need to worry about fraudulent usage of your card anymore. 'Total Protect' is a first- of- its- kind program which covers you for a sum up to the credit limit on your Credit Card and is available on add-on cards as well. With us, you can be worry free about fraudulent usage of your card.

'Total Protect' covers you for the following:-

  • Unauthorised Transactions in case of loss/ theft of Card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your Card to IndusInd Bank.
  • Counterfeit Fraud: It is possible that your Card or Card details are stolen and used unscrupulously by producing counterfeit plastic. We offer you insurance to protect yourself against such incidents.

Conditions apply.

*Click here for terms and conditions of the applicable insurance policy

Air accident cover:
With the IndusInd Bank Pinnacle Credit Card, you also get a complimentary Personal Air Accident insurance cover of up to Rs..25 lakh.
With IndusInd Bank around to lend you a helping hand, you have very little to worry about.

*Click here for terms and conditions

 

IndusInd Bank Offers

IndusInd bank offers on pinnacle credit card

Bon Vivant

Bon Vivant

Experience a delicious life. Step into the world of aromas, flavours, and enticing cuisines.

Experience the sumptuous offers as you embark on this delightful journey with us that takes you through the eclectic flavors of your city.

Click on the city to view the offers:

Offer Valid till 31st December 2016

Click here for detailed terms and conditions.

Wellness & More
Here's your chance to relax, renew and rejuvenate at some of the leading spa's across India. We understand the demands your lifestyle makes on you.
The travelling around the world, round-the-clock meetings and squeezing quality time for your family and friends leaves you with very little time for yourself.
Now simply use your IndusInd Bank Cards at any of the spas on offer and get attractive discounts.

Validity: 31st March 2017

Click here to view the list of participating spas with offer details.

*Click here for more information and terms & conditions

Click here to know more about offers

MasterCard Offers

Master pinnacle credit card offers

Pinnacle MasterCard Lounge Access

Upgrade your travel experience with complimentary access to select MasterCard domestic and international airport lounges in India. Relax in luxury while you travel and enjoy gourmet meals, comfortable seating, free Wi-Fi, widescreen televisions and bar services.

With your IndusInd Bank Pinnacle MasterCard Credit Card enjoy exclusive access to select premium MasterCard airport lounges within India and get complimentary lounge visits per quarter on your Primary Card.

Enjoy up to 2 complimentary lounge visits per quarter on your Primary Card

The current offer is valid till December 31, 2016

Click here for terms and conditions

Value Table

Pinnacle credit card rates value

Annual Estimation
Pinnacle Privileges Savings on Market Value
Priority Pass Membership for you and your partner $99 x 2Rs. 13,266
Complimentary golf four times a month at any of the select prestigious clubs (assuming Rs. 2,250 green fees per 18 hole round) Rs. 108,000
Golf lessons and Hole-in One insurance Rs. 23,000
Movie tickets at theatres 3 times a month Rs. 7,200
Savings on Fuel Surcharge## Rs. 2,400
Annual value of Reward Points on an average spend of Rs. 30,000 per month (450 points per month) Rs. 5,400
Total Savings Rs. 159,266
*The above illustration is based on hypothetical estimate of expenses.
Print Google+
QUICK SERVICES

Rate this product

3.6 Rating

Average rating based on 178 ratings

1 out of 1 (100%) reviewers recommend this product

Write Review

I would recommend this product

Type the text shown in the image

Retype the characters from the picture:

  • SAVINGS RATES

  • Daily balance upto 1 lac 4 %
  • Daily balance above 1 lac and upto 10 lac 5 %
  • Daily Balance above 10 lac 6 %
  • DEPOSIT RATES

  • 1 year to 1 year 2 months 7.15 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 7 %
Insure your health online
Insure your health online

We believe in complete 'Care' for you & your family

My Account My Number
My Account My Number

Now get a Bank Account Number of your choice with a complete personalized debit card

Virtual ATM tour

Close

Terms & Conditions:

Do I need to pay when I use the Auto Assist?
You do not need to pay for arrangement, however all expenses including labor charges or any repair charges, need to be paid to the mechanic.

How long does it normally take for the mechanic to come to me in the time of emergency?
The Auto Assist service is on a best efforts basis, and the time would depend on the location of the vehicle. However, normally it would take about 30 to 45 minutes to reach you within city limits and about one to one and half hour to reach you if you are outside city limits.

What number do I call if I want to use the Auto Assist service?
You need to call the Concierge Service on 1860 267 7777 for Auto Assist.

What all cities is the Auto Assist service available?
The Auto Assist service is available in Delhi, Mumbai, Kolkata, Chennai and Bangalore.

Close

Terms and conditions:

  • Waiver of 2.5% fuel surcharge is applicable on transactions between INR 400/- to INR 4000/- only the waiver is applicable across all petrol pumps in India.
  • The waiver can be availed only when payment is made through the IndusInd Bank Credit Card.
  • IndusInd Bank reserves the right to impose a cap on the maximum value or number of fuel transactions permitted in a month on the credit card.

* Please note that service tax levied on fuel surcharge (if any) will not be waived and will need to be borne by the cardholders

Close

Terms and conditions:
Lost Card Liability

  • All PIN based transactions(like ATM, Internet and telephone etc) are not covered.
  • Pre-delivery fraud not covered.
  • 2 days (includes reporting day)pre-reporting and 7 days (Includes reporting day) post reporting claimsare covered.
  • Claim has to be reported byCard holder within 15 days from the date of loss in case of card to beadmissible for claim.
  • Insurance benefit would beavailable only to Active card users. An active card is defined as the cardwith one transaction/ activity on any POS terminal in last 6 months fromdate of loss.
Close

Terms and conditions
Personal Accident (AIR):

  • Cover: Accidental death due to air accident.
  • In the event of insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefits (highest sum insured)
  • Card should have been used at least once for retails purchase in 90 days before date of loss.
Close

You are just a phone call away from a relaxed tomorrow.
Protect your Credit Card with the Card Protection Program
In order to ensure safety of your credit cards, we bring to you the Card Protection Plan - to safeguard you in the event of , loss , theft or misuse of your IndusInd Bank Credit Cards . As is known, "Better safe than sorry", choose your Card Protection Plan today.

  Classic Premium Platinum
One free call to block all cards
24- hour toll-free number Yes Yes Yes
Worldwide cover Yes Yes Yes
Tele-registration line Yes Yes Yes
Emergency travel & hotel assistance
Hotel assistance (Overseas ) INR 80,000 INR 1,20,000 INR 1,60,000
Hotel assistance (In India) INR 40,000 INR 60,000 INR 80,000
Replacement travel tickets (Overseas) INR 80,000 INR 1,20,000 INR 1,60,000
Replacement travel tickets (In India) INR 40,000 INR 60,000 INR 80,000
Emergency cash assistance (In India) Nil INR 20,000 INR 20,000
Fraud Protection
Pre-notification* INR 50,000 INR 1,00,000 INR 150,000
Maximum limit per card INR 20,000 INR 40,000 INR 60,000
Post-notification INR 15 lakh INR 20 lakh INR 25 lakh
Other benefits
Reminder stickers Yes Yes Yes
Card ordering service Yes Yes Yes
Valuable document registration Yes Yes Yes
CPP key fob and retrieval service Yes Yes Yes
Free PAN card replacement service Yes Yes Yes
Lost mobile phone reporting service (SIM blocking) Yes Yes Yes
Mobile phone identifier (IME)registration service Yes Yes Yes
Foreign language interpreter assistance Nil Nil Yes
Membership fee ( annual )
Single INR 1,145 INR 1,495 INR 1,745
Joint INR 1,745 INR 2,245 INR 2,645
Close

FAQ's for EMV

What is EMV?

EMV stands for Europay, MasterCard and Visa. It is the international standard for chip based payment cards to ensure the highest security level for Credit Card transactions.

What is the IndusInd Bank EMV Credit Card?

IndusInd Bank EMV Credit Card contains an embedded microchip on the face of the card. The customer data embedded in the microchip is extremely difficult to copy or counterfeit. Chip technology is designed to take security to the next level by giving you a secure environment to transact. For better acceptability across merchants, IndusInd Bank EMV chip Credit Card will also contain a magnetic stripe on the reverse of the card to ensure swipe transactions.

What are the benefits of the IndusInd Bank EMV Credit Card?

With the EMV chip technology, all the data that was stored on the magnetic strip will be additionally embedded on the chip. A Credit Card with a chip is more secure and reliable than the one with just the magnetic stripe on the reverse of the card, as it is difficult to copy customer details from an embedded chip. This safeguards the Credit Card from skimming frauds.

How do I use the IndusInd Bank EMV Credit Card?

Making a purchase with the IndusInd Bank EMV Credit Card is easy and secure. You may see minor differences in how your chip Credit Card is processed while making purchases. As part of the transition to chip, over the next few years more and more in-store payment terminals will be updated to accept chip enabled cards. For your convenience, the chip Credit Cards will continue to have the magnetic stripe on the reverse of the card. This will enable you to use your chip card at merchants who don’t have chip terminals – by swiping your card and signing the receipt. However, we would urge you to use your IndusInd Bank EMV Credit Card only at the merchant establishments who use EMV Chip terminals, for safety from skimming frauds.

How will I use the IndusInd Bank EMV Credit Card on a chip (POS – point of sale) terminal?

At a chip terminal, you simply:

  • Insert your Credit Card into the chip slot
  • When your transaction is completed, remove your card from the chip slot and take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How will I use the IndusInd Bank EMV Credit Card on a non-chip (POS point of sale) terminal?

At some merchants your chip Credit Card will be used the same way as your Credit Card with the magnetic stripe :

  • The card is swiped through the EDC machine at the merchant outlet
  • When your transaction is completed, take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How is IndusInd Bank EMV Credit Card different from what I use today?

When you make a transaction at a chip terminal, you insert your chip card into the terminal. Your IndusInd Bank EMV Chip Credit Card stays in the terminal until the transaction is complete. Transacting with the card using the chip should be a priority over using the magnetic stripe at the back of the card, since the security chip makes the transaction more secure.

Will the magnetic stripe be removed from IndusInd Bank EMV Credit Cards?

Chip cards will continue to have a magnetic stripe on the back. This will ensure that the chip cards are accepted at merchants and in other countries that have not moved to the chip technology (such as the United States).

What if the IndusInd Bank EMV Credit Card does not work at a merchant having a chip terminal?

IndusInd Bank EMV Credit Card will work on all terminals at all merchant locations around the world. However if the EMV chip card doesn’t work at a particular terminal, the merchant will have to do the following

  • Swipe the magnetic stripe at the back of the card on the chip terminal (This is known as a fallback transaction when the chip card inserted in the chip terminal slot doesn’t work)
  • Please note that we have restricted the number of fallback transactions allowed, to a maximum of three attempts on your Credit Card to minimize the possibility of misuse on your card. If the number of attempts is exceeded beyond the allowable limit, your Credit Card will be temporarily blocked. You need to call the IndusInd Bank Phonebanking number: 1860 267 7777 to unblock your IndusInd Bank EMV Credit Card.
  • If the card still doesn’t work, the merchant terminal could be faulty. Please request the merchant to use the IndusInd Bank EMV Credit Card at another chip terminal (if possible of another acquiring bank than the one used earlier) If both the above options do not work, please contact us at our 24X7 phonebanking number 1860 267 7777.
What if my IndusInd Bank EMV Credit Card is lost or stolen?

Please report the loss to us immediately on 1860 267 7777 / +91 22 4220 7777 and our phone banking officers will block your Credit Card immediately.

Can I use the IndusInd Bank EMV Credit Card outside India?

Yes. IndusInd Bank EMV Credit Cards can be used at any merchants around the world where your Credit Card is accepted today.

How does chip technology work for online and mail order/ IVR (Interactive Voice Response) transactions?

Online transactions will function the same way as they do today.
For online Credit Card transactions, a VBV (Verified by Visa) password will be required to complete the transaction the process will remain as it exists today.
For Mail order & Telephone transactions, effective 1st February 2011 a 6-digit OTP (One Time Password) is required and will be applicable for chip cards as well.

Can a Chip Card be compromised?

A compromise of your card means the card information has been copied and a fraudster is trying to access your account. As of now, we have not observed any compromise of a chip Credit Card as the security chip makes it difficult to copy the Credit Card details. This would be possible only if you continue to swipe the magnetic stripe of your IndusInd Bank EMV Credit Card at a merchant terminal instead of inserting the chip card to complete your transaction.

Which Shopping outlets have the Chip- Enabled terminals?

Most of the merchants have chip-enabled terminals. In case the merchant doesn’t have chip enabled terminal, the card can be swiped for transactions.

Can the Chip Credit Card be used to withdraw cash?

Yes, you will be able to use your EMV chip card at the ATM’s as usual.

How do I make the payment for the chip Credit Card usage?

You can make chip card payment through online banking/ECS set up on your Bank account, Cash, Cheque, , Net Banking, etc. The process is the same as in case of other IndusInd Bank Credit Cards.

Is the IndusInd Bank EMV Credit Card durable?

The IndusInd Bank EMV Credit Card should withstand normal wear and tear and the chip should last as long as the card is valid. However, you should take steps to ensure your card is protected to ensure longevity.

Close

Terms and conditions:

Lost Card Liability

  • All PIN based transactions (like ATM, Internet and telephone etc) are not covered.
  • Pre-delivery fraud not covered.
  • 2 days (includes reporting day) pre-reporting and 7 days (Includes reporting day) post reporting claims are covered.
  • Claim has to be reported by Card holder within 15 days from the date of loss in case of card to be admissible for claim.
  • Insurance benefit would be available only to Active card users. An active card is defined as the card with one transaction/ activity on any POS terminal in last 6 months from date of loss.

Counterfeit card liability:

  • Claim has to be reported by cardholder within 15 days from the date of issue of statement containing the disputed counterfeit transaction.
Close

Terms and conditions
Personal Accident (AIR):

  • Cover: Accidental death due to air accident.
  • In the event of insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefits (highest sum insured)
  • Card should have been used at least once for retails purchase in 90 days before date of loss.
Close

You are just a phone call away from a relaxed tomorrow.
Protect your Credit Card with the Card Protection Program
In order to ensure safety of your credit cards, we bring to you the Card Protection Plan - to safeguard you in the event of , loss , theft or misuse of your IndusInd Bank Credit Cards . As is known, "Better safe than sorry", choose your Card Protection Plan today.

  Classic Premium Platinum
One free call to block all cards
24- hour toll-free number Yes Yes Yes
Worldwide cover Yes Yes Yes
Tele-registration line Yes Yes Yes
Emergency travel & hotel assistance
Hotel assistance (Overseas ) INR 80,000 INR 1,20,000 INR 1,60,000
Hotel assistance (In India) INR 40,000 INR 60,000 INR 80,000
Replacement travel tickets (Overseas) INR 80,000 INR 1,20,000 INR 1,60,000
Replacement travel tickets (In India) INR 40,000 INR 60,000 INR 80,000
Emergency cash assistance (In India) Nil INR 20,000 INR 20,000
Fraud Protection
Pre-notification* INR 50,000 INR 1,00,000 INR 150,000
Maximum limit per card INR 20,000 INR 40,000 INR 60,000
Post-notification INR 15 lakh INR 20 lakh INR 25 lakh
Other benefits
Reminder stickers Yes Yes Yes
Card ordering service Yes Yes Yes
Valuable document registration Yes Yes Yes
CPP key fob and retrieval service Yes Yes Yes
Free PAN card replacement service Yes Yes Yes
Lost mobile phone reporting service (SIM blocking) Yes Yes Yes
Mobile phone identifier (IME)registration service Yes Yes Yes
Foreign language interpreter assistance Nil Nil Yes
Membership fee ( annual )
Single INR 1,145 INR 1,495 INR 1,745
Joint INR 1,745 INR 2,245 INR 2,645

Click here for terms and conditions

Close

FAQ's for EMV

What is EMV?

EMV stands for Europay, MasterCard and Visa. It is the international standard for chip based payment cards to ensure the highest security level for Credit Card transactions.

What is the IndusInd Bank EMV Credit Card?

IndusInd Bank EMV Credit Card contains an embedded microchip on the face of the card. The customer data embedded in the microchip is extremely difficult to copy or counterfeit. Chip technology is designed to take security to the next level by giving you a secure environment to transact. For better acceptability across merchants, IndusInd Bank EMV chip Credit Card will also contain a magnetic stripe on the reverse of the card to ensure swipe transactions.

What are the benefits of the IndusInd Bank EMV Credit Card?

With the EMV chip technology, all the data that was stored on the magnetic strip will be additionally embedded on the chip. A Credit Card with a chip is more secure and reliable than the one with just the magnetic stripe on the reverse of the card, as it is difficult to copy customer details from an embedded chip. This safeguards the Credit Card from skimming frauds.

How do I use the IndusInd Bank EMV Credit Card?

Making a purchase with the IndusInd Bank EMV Credit Card is easy and secure. You may see minor differences in how your chip Credit Card is processed while making purchases. As part of the transition to chip, over the next few years more and more in-store payment terminals will be updated to accept chip enabled cards. For your convenience, the chip Credit Cards will continue to have the magnetic stripe on the reverse of the card. This will enable you to use your chip card at merchants who don’t have chip terminals – by swiping your card and signing the receipt. However, we would urge you to use your IndusInd Bank EMV Credit Card only at the merchant establishments who use EMV Chip terminals, for safety from skimming frauds.

How will I use the IndusInd Bank EMV Credit Card on a chip (POS – point of sale) terminal?

At a chip terminal, you simply:

  • Insert your Credit Card into the chip slot
  • When your transaction is completed, remove your card from the chip slot and take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How will I use the IndusInd Bank EMV Credit Card on a non-chip (POS point of sale) terminal?

At some merchants your chip Credit Card will be used the same way as your Credit Card with the magnetic stripe :

  • The card is swiped through the EDC machine at the merchant outlet
  • When your transaction is completed, take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How is IndusInd Bank EMV Credit Card different from what I use today?

When you make a transaction at a chip terminal, you insert your chip card into the terminal. Your IndusInd Bank EMV Chip Credit Card stays in the terminal until the transaction is complete. Transacting with the card using the chip should be a priority over using the magnetic stripe at the back of the card, since the security chip makes the transaction more secure.

Will the magnetic stripe be removed from IndusInd Bank EMV Credit Cards?

Chip cards will continue to have a magnetic stripe on the back. This will ensure that the chip cards are accepted at merchants and in other countries that have not moved to the chip technology (such as the United States).

What if the IndusInd Bank EMV Credit Card does not work at a merchant having a chip terminal?

IndusInd Bank EMV Credit Card will work on all terminals at all merchant locations around the world. However if the EMV chip card doesn’t work at a particular terminal, the merchant will have to do the following

  • Swipe the magnetic stripe at the back of the card on the chip terminal (This is known as a fallback transaction when the chip card inserted in the chip terminal slot doesn’t work)
  • Please note that we have restricted the number of fallback transactions allowed, to a maximum of three attempts on your Credit Card to minimize the possibility of misuse on your card. If the number of attempts is exceeded beyond the allowable limit, your Credit Card will be temporarily blocked. You need to call the IndusInd Bank Phonebanking number: 1860 267 7777 to unblock your IndusInd Bank EMV Credit Card.
  • If the card still doesn’t work, the merchant terminal could be faulty. Please request the merchant to use the IndusInd Bank EMV Credit Card at another chip terminal (if possible of another acquiring bank than the one used earlier) If both the above options do not work, please contact us at our 24X7 phonebanking number 1860 267 7777.
What if my IndusInd Bank EMV Credit Card is lost or stolen?

Please report the loss to us immediately on 1860 267 7777 / +91 22 4220 7777 and our phone banking officers will block your Credit Card immediately.

Can I use the IndusInd Bank EMV Credit Card outside India?

Yes. IndusInd Bank EMV Credit Cards can be used at any merchants around the world where your Credit Card is accepted today.

How does chip technology work for online and mail order/ IVR (Interactive Voice Response) transactions?

Online transactions will function the same way as they do today.
For online Credit Card transactions, a VBV (Verified by Visa) password will be required to complete the transaction the process will remain as it exists today.
For Mail order & Telephone transactions, effective 1st February 2011 a 6-digit OTP (One Time Password) is required and will be applicable for chip cards as well.

Can a Chip Card be compromised?

A compromise of your card means the card information has been copied and a fraudster is trying to access your account. As of now, we have not observed any compromise of a chip Credit Card as the security chip makes it difficult to copy the Credit Card details. This would be possible only if you continue to swipe the magnetic stripe of your IndusInd Bank EMV Credit Card at a merchant terminal instead of inserting the chip card to complete your transaction.

Which Shopping outlets have the Chip- Enabled terminals?

Most of the merchants have chip-enabled terminals. In case the merchant doesn’t have chip enabled terminal, the card can be swiped for transactions.

Can the Chip Credit Card be used to withdraw cash?

Yes, you will be able to use your EMV chip card at the ATM’s as usual.

How do I make the payment for the chip Credit Card usage?

You can make chip card payment through online banking/ECS set up on your Bank account, Cash, Cheque, , Net Banking, etc. The process is the same as in case of other IndusInd Bank Credit Cards.

Is the IndusInd Bank EMV Credit Card durable?

The IndusInd Bank EMV Credit Card should withstand normal wear and tear and the chip should last as long as the card is valid. However, you should take steps to ensure your card is protected to ensure longevity.

Close

Safety Tips on your Credit Card

DO NOT

  • DO NOT leave your Credit Card unattended.
  • DO NOT disclose your ATM PIN/TPIN/NET BANKING PASSWORDS/OTP/CVV/VBV/MASTER SECURE PASSWORDS to anyone.
  • DO NOT seek help from strangers at the ATM even if offered voluntarily.
  • DO NOT hand over your Credit Card to any individual other than a merchant when making a purchase.
  • DO NOT handover your credit card to anyone claiming to be a representative of a Bank/VISA/Master Card or any organization.

DO

  • DO check the identity proof of the sales executive while applying for a card or loan or handing over your documents.
  • DO Check your application status after applying for any card or loan by calling the respective bank's helpline number
  • DO Pay attention to all alerts sent by the bank especially transaction alerts or address/mobile number change alert etc. Please inform the Bank immediately on any discrepancy.
  • DO Keep your Credit Card in the same place in your wallet/purse so that you notice it immediately if it is missing.
  • DO memorize your Personal Identification Number (PIN) and change it on a regular basis, destroy any physical documents of the PIN mailer.
  • DO Change your net banking passwords frequently.
  • DO Inform the Bank immediately, if there is any change in your mobile number, address etc. provided to the Bank.
  • DO ensure that the merchant processes the transaction on your credit card in your presence.
  • DO Verify that, on completion of the transaction, the Credit Card returned to you by the merchant, is yours.
  • DO check receipt of your monthly Credit Card statements. If you do not receive your Credit Card statement, contact our helpline number to check if the appropriate address is updated.
  • DO Keep the Bank's Helpline/Customer care number handy to enable immediate calling for any assistance/exigency.
Close

Safety Tips on your Credit Card

Redemption against Cash Credit

You can now convert your reward points into cash credit and use them to pay the outstandings on your card.

Your reward points will be converted into cash credit @ 1 reward point = Re. 1 of cash value.

Close

COPYRIGHT © 2013 INDUSIND BANK. ALL RIGHTS RESERVED.