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Features & Benefits

Titanium Metro Plus Debit Card features & benefits

To make your everyday commute easier and your shopping spree smoother, we present to you a personalized IndusInd Bank Titanium Metro Plus Debit Card. The Card is embedded with a DMRC Transit Chip, along with the Debit Card chip, enabling you to use this Card as a Smart Card on the Delhi Metro Rail Corporation network across Delhi-NCR. That's not all, you also get to enjoy a wide array of enhanced features and offers, which make banking and shopping a truly rewarding experience

InstaPIN

Introducing InstaPIN! A unique feature for instantly generating your Debit Card PIN within seconds. Just walk into the nearest ATM and select the InstaPIN option to generate your permanent Debit Card PIN

On-Going Benefits :

  • Use it as a Metro Smart Card: Your Debit Card can be used as a transit card directly at DMRC network across Delhi-NCR
  • Skip the queues with auto top-up: Metro Chip gets recharged with Rs.200, when your balance drops below Rs.100
  • Save as you travel! : Enjoy 10% discount on your fares on Delhi Metro
  • Buy one Get One offer that can be availed once per quarter i.e. upto 4 times in a year (on first come first serve basis). Valid for ticket price upto Rs. 250/- when booked through BookMyShow
Easy Access
  • Access any of the 2200+ IndusInd Bank ATMs across India for cash withdrawals, cash/cheque deposits, MasterCard credit card bill payment facility, balance enquiry, mobile top-up and other miscellaneous requests
  • Use your card for shopping at over 4,00,000 merchant locations in India and over 33 million merchant locations across the world
  • Use your card for online shopping, e-payments and bill payments
  • Credit Card bill payment (MasterCard Cards) over ATM and internet
  • Cashless shopping with MasterCard Debit Card
  • Mobile top-ups at ATMs
  • Use as a smart card across all metro stations in Delhi NCR
Indus Rewards

A unique loyalty program for our customers that rewards them in abundance for the purchases at merchant outlets, online shopping and e-payments using your IndusInd MasterCard Debit Card. Choose from our Rewards Redemption Catalogue to get free gifts ranging from fashion and accessories, electronics and household Items to gifts your children would love to get. T&C Apply.

For more details on rewards program, click here

Offers

Enjoy exciting offers on your Titanium Metro Plus Debit Card. From apparels to electronics, dining to travel and holiday, jewellery to wellness, we have tried to cover the entire gamut of your lifestyle needs. So go ahead and enjoy the shopping!

Secure Online Shopping

Secure Online Shopping : Online shopping with your Debit Card is safe and Secure, when you sign up for MasterCard SecureCode. Alternatively, you can do an Online purchase transaction using OTP ( One Time Password ) on your registered mobile number

Complimentary Card Insurance
  • Lost Card liability to the tune of INR 1,00,000/-
  • Purchase protection to the tune of INR 50,000/-
Daily Transaction Limits

The daily limits per card are as follows:
For ATMs : INR 50,000*#
For shopping and purchases (online /at merchant establishments): INR 1,00,000*
What's more, the limits on your card are flexible; you are the one who gets to decide the limits on your card.

* subject to the balance in your account
# In the case of other Bank ATMs, customer has to do multiple transactions due to the different transaction limits set by different banks

Fees

Titanium Metro Plus Debit Card is charged at Rs. 299 plus taxes every year and is available only on select Account types

FAQ's

IndusInd Bank Combo Debit Card offers all features of a Debit Card as well as a Delhi Metro Smart Card!

The IndusInd Bank Combo Debit Card is a dual purpose card that can be used for traveling on the Delhi Metro, as well as for all Debit Card transactions like retail and online payments, transact at ATMs etc. This card contains a Delhi Metro Transit chip embedded within, along with the secured Debit Card Chip.

Balance in the Delhi Metro Transit chip

The Delhi Metro Transit chip in your combo card will hold it's individual balance which can be used for travel across the Delhi Metro network. This is a prepaid balance which is maintained with Delhi Metro Rail Corporation (DMRC) itself, and is debited by DMRC as per fares, policies & terms applicable on usage of the regular DMRC Smart Card.

You can upload/add balance in the Delhi Metro Transit chip of your combo card through multiple modes, like:

  • By logging in to your IndusInd Bank NetBanking account
  • By logging in to your IndusInd Bank mobile app account
  • By visiting any IndusInd Bank ATM
  • Through IndusInd Bank's SMS Banking facility
  • Through IndusInd Bank's Missed Call Top-Up service
  • Auto Top-Up Facility

For all the above scenarios, the amount will be debited to your IndusInd Bank Savings account and loaded on your Delhi Metro Transit chip.

For options 'a.' to 'e.' above, post a successful top-up transaction, please tap your card on the AVM (Add Value Machine) at any metro station to update the Delhi Metro Transit chip balance. Using these top-up options, you can upload a minimum of Rs.100 & a maximum of Rs.3,000 on your Delhi Metro Transit chip.

Note: The maximum balance in your Delhi Metro Transit chip at any point of time cannot be more than Rs. 3,000. If you top-up your Delhi Metro Transit chip balance online with an amount which results in total balance to exceed Rs.3,000, the available balance in your Metro Card will remain unchanged (temporarily) until your total balance including the top-up amount falls below Rs.3,000.

Auto Top-Up enabled card*

Your IndusInd Bank Combo Debit Card comes enabled with the Auto Top-Up facility*. Auto Top-Up is a standing instruction facility for recharging your Delhi Metro Transit chip while you are on the go. In this facility the Auto Top-Up amount is credited to the Delhi Metro Transit chip automatically when the balance on the chip drops below the threshold limit. Threshold limit is the balance amount (on the Delhi Metro Transit Chip) at which the Auto Top-Up instructions will be executed automatically.

  • The threshold limit for an Auto Top-Up enabled card is Rs.100
  • The Auto Top-Up amount for an Auto Top-Up enabled card is Rs.200

So whenever the balance on your Delhi Metro Transit Chip drops below Rs.100 -, Auto Top-Up amount of Rs.200 - will be credited to the Delhi Metro Transit Chip and the same will be deducted from your IndusInd Bank account.

Note that the predefined threshold limit & default auto top-up amount cannot be changed.

How and where will the Auto Top-Up get triggered?

When you tap your IndusInd Bank Combo Card at the entry gate of an Auto Top-Up enabled Delhi Metro Station, Auto Top-Up will automatically get triggered if balance on your Delhi Metro Transit Chip is lower that the predefined threshold limit. You will be able to view the updated balance on your Delhi Metro Transit Chip at the station gate when you exit at your destination station.

Note that you will not receive any SMS/alert when Auto Top-Up gets triggered on your Delhi Metro Transit Chip; however, you will receive SMS alert from IndusInd Bank when your bank account is subsequently debited with the top-up amount.

What if you have an IndusInd Bank Combo Debit Card and also a Delhi Metro Smart Card?

DMRC system will identify your journey basis one single card at a time. You cannot use two different cards for a single journey. Please ensure that you use the same card at entry and exit gates during a single journey to avoid any possible inconvenience. Using different cards for a single journey may attract penalty as per DMRC rules on both such cards used.

How to deactivate the Auto Top-Up facility for Combo Card?

In case you wish to deactivate the Auto Top-Up facility on your IndusInd Bank Combo Card, you will be required to visit the customer service window at any of the designated Delhi Metro stations, with your IndusInd Bank Combo Debit Card. Once the Auto Top-Up facility on your card is deactivated, it cannot be reactivated on your same card again.

If you wish to avail the Auto Top-Up facility again, you will be required to place a request for a replacement card by calling our Customer Care (reissuance/replacement charges as applicable will be levied).

What if the card gets damaged or is not readable at the Metro stations?

In case your IndusInd Bank Combo Card is not readable at the Metro stations, please visit the customer service window at the station for resolution of the issue. If the issue persists, please contact the IndusInd Bank Customer Care. IndusInd Bank will deactivate your existing Debit Card and send you a new Debit Card (reissuance/replacement charges as applicable will be levied). The balance on the Delhi Metro Transit Chip will however not be transferable to the new card.

What if your IndusInd bank Combo Debit Card is lost or stolen?

In case your IndusInd Bank Combo Card is lost or stolen, please call our 24 hours customer care to report loss of your Debit Card. Bank will immediately block the Debit Card to avoid misuse anywhere outside the Delhi Metro network and will replace the card with a new Debit Card (reissuance/replacement charges as applicable will be levied).

The balance on the Delhi Metro Transit Chip will however not be transferable to the new card and IndusInd Bank cannot block its usage; IndusInd Bank cannot be held liable for misuse of the same.

What if you wish to replace your IndusInd Bank Combo Debit Card, and get a regular IndusInd Bank Debit Card?

In order to replace your IndusInd Bank Combo Debit Card and to get a regular Debit Card, we recommend that you follow the below steps:

  • Deactivate the Auto Top-Up facility (if active) by visiting the customer service window at any of the designated Delhi Metro stations with your IndusInd Bank Combo Debit Card
  • Post deactivation of the Auto Top-Up facility, the Delhi Metro Transit Chip will remain usable for Delhi Metro travel till such time that the balance on the Delhi Metro Transit Chip is exhausted.
  • Once the balance on your Delhi Metro Transit Chip is exhausted, please call our Customer Care & place a request for a regular IndusInd Bank Debit Card. Bank will block your Combo Debit Card and will replace the card with a new regular Debit Card (reissuance/replacement charges as applicable will be levied).

Please note that the balance, if any, on the Delhi Metro Transit Chip will not be transferable to the new Debit Card. The Delhi Metro Chip on your deactivated Combo Debit Card may also not be usable at Delhi Metro thereafter.

Is the balance on the Delhi Metro Transit Chip refundable?

Currently, DMRC rules governing the use of this card do not permit refund of any balance on the Delhi Metro Transit Chip.

Fare Applicability & Discounts

Your IndusInd Bank Combo Card entitles you to travel across the Delhi Metro network at standard metro fares as applied by DMRC from time to time.

You are also entitled to the discounts applicable on the usage of Delhi Metro Smart Card – which is currently 10% discount on metro fare. Whenever you travel across the Delhi Metro network, the fare deducted from your Delhi Metro Transit Chip balance will be after reduction of the discount amount only.

All standard DMRC rules governing the use of its Smart Cards, fare/billing policies, service terms & conditions apply to your IndusInd Bank Combo Card usage at Delhi Metro network.

* Auto Top-Up facility is available on select variants of IndusInd DMRC Combo cards only.

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Terms & Conditions: Indus Money

The use of Indus Money Services are governed by these Terms and Conditions herein below which are in addition to and not in derogation of any other terms and conditions applicable for Debit Cards provided by Bank to the customers.

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