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Terms & conditions for the use of the Duo Debit & Credit Card.

Rewards Program

Rewards Program applicable on Duo Debit Card

A unique loyalty program for our customers, which rewards you for all types of spends using your IndusInd Bank Duo Debit card! You can swipe your card at a merchant outlet, or use any of our Direct Banking Channels viz. ATMs, Internet Banking or Mobile Banking, to avail of the benefits under this program. And if you are someone who prefers cash for shopping and miscellaneous payments, you'll not feel left out either, as we reward you for ATM withdrawals as well!*

You can redeem these points for cashback and exciting gifts from www.indusmoments.com

Points on First Use:

First transaction on each of the following channels will earn points as per the following grid:

ACTIVATION  
1st Shopping Transaction (Domestic/ International) using the Debit Card (within 60 days of card issuance) 100
1st Ecommerce Transaction (Domestic/ International) using the Debit Card (within 60 days of card issuance) 50
Transaction on Internet Banking (within 60 days of Account opening) 100
Mobile banking Transaction (within 60 days of Account opening) 100
ATM Transaction at IndusInd Bank ATM (within 60 days of Card issuance) 100
ATM Transaction at Other Bank ATM (within 60 days of Card issuance) 50

Points for Usage

Points on use at ATM, POS, Ecommerce, Mobile and Net banking as below:

USAGE POINTS  
Shopping Transaction on Debit Card (Domestic) 1 point for every Rs. 150 spent
Shopping Transaction on Debit Card (International/ Ecommerce) 2 points for every Rs. 150
Internet Banking Transaction 5 pts per transaction,
upto 5 transactions Per month.
Mobile Banking Transaction 10 pts per transaction, upto 5 transactions Per month.
ATM Withdrawals at IndusInd Bank ATMs only 5 pts per transaction, upto 5 transactions Per month.
SI/ ECS 25 pts per 500, upto 75 Per month

Points on Persistence

  • Debit Card - For minimum spend of Rs. 500/month for 3 months in a row
  • Internet Banking – For 1 internet banking transaction per month for 3 months in a row
  • Mobile Banking - For 1 transaction per month for 3 months in a row
PERSISTENCE (credited every quarter)  
Debit Card - For minimum spend of Rs. 500/month for 3 months in a row 100
Internet Banking – For 1 internet banking transaction per month for 3 months in a row 25
Mobile Banking - For 1 transaction per month for 3 months in a row 50
  • Max earning in a month for Duo Card: 3000 Reward points
  • Min points needed for redemption: 500 Reward points
  • Value per point- Rs.0.75

Other T&C applicable: Click here

Rewards Program applicable on your Duo Credit Card:

For every Rs. 150 spent on your IndusInd Bank DUO Credit Card, you get 1 Reward Point.

Redemption of Rewards:

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

IndusMoments 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.

You can also consolidate your reward points by transferring the points earned on Duo Debit Card to Duo Credit Card & enjoy an evergreen rewards program! *
* This feature will not be applicable for DUO (Credit) Card with NIL limit

 

BookMyShow Offer
  • T&C applicable on Duo Debit Card:
    • This offer is applicable only for bookings done on bookmyshow
    • Buy one Get One offer & can be availed once per month i.e. up to 12 times in a year
    • The price of the free ticket is capped at Rs. 250. In case, the price of the ticket is more than Rs. 250, the cardholder will receive a discount of Rs. 250 and the remaining amount will have to be paid by the Cardholder using his IndusInd Bank Duo Debit Card
    • The number of free tickets available monthly are limited and customers can avail this offer on a First Come First Serve basis for the month
    • To avail this offer, user must apply for the offer under the ‘Avail Offers & Discounts’ Tab. Please select “IndusInd Bank Platinum, Select, Exclusive, Signature, Titanium & DUO Debit Card Offer” from the drop down to avail the offer
    • Terms & conditions for use of bookmyshow applicable- click here 

This feature will not be applicable for DUO (Credit) Card with NIL limit.

 

  • T&C applicable on Duo Credit Card:
    • This offer is applicable only for bookings done on bookmyshow
    • Buy one Get One offer & can be availed once per month i.e. up to 12 times in a year
    • The price of the free ticket is capped at Rs. 250. In case, the price of the ticket is more than Rs. 250, the cardholder will receive a discount of Rs. 250 and the remaining amount will have to be paid by the Cardholder using his IndusInd Bank Duo Credit Card
    • The number of free tickets available monthly are limited and customers can avail this offer on a First Come First Serve basis for the month
    • To avail this offer, user must apply for the offer under the ‘Avail Offers & Discounts’ Tab. Please select “IndusInd Bank Credit Card Offer” from the drop down to avail the offer
    • Terms & conditions for use of bookmyshow applicable- click here 
Travel Plus Program

IndusInd Bank understands your travel needs and brings to you set of unique travel assist program - 'Travel Plus'. With the Travel Plus Program, we offer you a complimentary Priority Pass which gives you access to 700 lounges across the world. You also enjoy special waivers on lounge usage charges outside India subject to a maximum of 8 international lounge visits outside India.

Value Offering

Program Lounge usage Annual Saving
Travel Plus Maximum of 8 lounge usage/year of value $27 Rs. 16,000 approximately

Terms and Conditions: Travel Plus Program

  • Cardholder will be eligible for a Travel Plus Programme at a Joining Fee of INR 5000 along with applicable GST.
  • IndusInd Bank reserves the right to change the benefits offered as part of the Travel Plus Programme without notice.
  • As a part of the Travel Plus Programme, the usage charge of USD 27 is waived off for the cardholder for 8 international lounge visits outside India.
  • • Usage charges of USD 27 for visits to any lounge within India shall not be waived off.
  • Once the complimentary lounge visits are exhausted, a usage charge of USD 27 per person is applicable each time a cardholder visits any lounge within or outside India.
  • This charge will be billed to IndusInd Bank Duo Credit Card.
  • Usage charges of USD 27 for visits of guests of cardholders to any lounge within or outside India shall not be waived off.
  • The Priority Pass Card will be delivered to the Cardholder at the registered mailing address.
  • For any disputes regarding billing of the lounge usage fee, the Cardholder needs to contact Priority Pass directly. The usage charges for lounge access are subject to change as governed by Priority Pass.
  • Above offer will be valid for one year from date of enrolment.

This feature will not be applicable for DUO (Credit) Card with NIL limit.

 

Fuel Surcharge Waiver
  • T&C applicable on Duo Debit Card: No fuel surcharge is applicable on your debit card. This is subject to Govt. regulations and may be revised overtime as per Govt. of India directive.
  • T&C applicable on Duo Credit Card
    • Waiver of 1% 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.
    • Please note that service tax levied on fuel surcharge (if any) will not be waived and will need to be borne by the cardholders.
Insurance

Terms & Conditions applicable on Duo Debit Card:

The following insurance is applicable on Duo Debit card:

  • Lost Card Liability (Rs. 3,00,000) + Air accident Insurance (Rs. 25,00,000) + Personal Accident Insurance (Rs. 2,00,000) + Purchase Protection (Rs. 50,000)
  • Terms & conditions apply. Click here

To know about steps to claim insurance cover- click here

Terms & Conditions applicable on Duo Credit Card

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 Duo Credit Card terms and conditions

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 details are stolen and used unscrupulously by producing counterfeit plastic. We offer you insurance to protect yourself against such incidents. Click here for terms and conditions of the applicable insurance policy:

Air accident cover:

With the IndusInd Bank DUO 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.

Concierge

Our 24-hour concierge service brings you a team of professionals at your service to assist you with hotel reservations, flight booking and many other lifestyle requirements. This is a complimentary service and is accessible from any corner of the world. All you have to do is pick up the phone on us and we'll take care of the rest!

DUO 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, like 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 that 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:-
If you are interested in booking any sports events, concierge is here for you. The concierge will make sure you don't miss out on your favourite event anytime.

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.

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 or 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

Important points to note
  • Please note that the address given in the DUO application form will be used for all communication, if you are a New to Bank Credit Card and Savings Account Customer.
  • In case you hold an existing Credit Card Account but not a Savings Account, the mailing address as updated in our records will be used for all Credit Card communication and for delivery of your DUO Card.
  • In case you have an existing Savings Account but not a Credit Card Account, the address given in the DUO application form will be used for all Credit Card communication and your DUO Card will be delivered on the referred address. Your Savings Account address will remain unchanged, as per the Bank’s records.
  • Supplementary/Add-on Cards cannot be issued on DUO Cards.
  • For update of any contact details on DUO Credit Card, customer will need to call the 24/7 helpline number. For update of any contact details on DUO Debit Card, customer will need to visit the nearest branch.
  • In case, the customer wants to block his DUO Card, he will need to call the 24/7 helpline number. In case, the customer wants to block his DUO Card through IndusMobile app, both Debit & Credit Cards will need to be blocked separately.
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