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Overview

Product Overview

The IndusInd Bank Duo Card comes with two Magnetic stripes & EMV Chips. Simply dip/swipe or enter the relevant card details to enjoy the convenience, flexibility and freedom to choose how you pay as well as access cash without carrying multiple cards.

What’s more, This first-of-its-kind Card in India brings together a variety of benefits that treat you to the very best of a Credit and Debit Card.

A REWARDING LIFE

Stride into a Rewards Program that pampers you every step of the way. It’s especially designed to compliment your lifestyle, combining maximum flexibility with minimum limitations.

DUO CARD ACCRUAL OF REWARD POINTS

Watch your reward points grow by using your Card for business or pleasure wherever you want. For every Rs. 150 spent on your IndusInd Bank Duo Card, you get 1 Reward Point.

Please note:From 1st August 2019, the Rewards program will be revised for select merchant categories. Click here for details.

DUO CARD REDEMPTION OF REWARD POINTS

With the IndusInd Bank Duo Card, you have a range of exciting choices for redemption of your Reward Points.

Conditions apply. For further details, click here

REEL GOOD

It’s always more the merrier at the movies. Which is why, your IndusInd Bank Duo Card comes with the offer that guarantees a good time!

DUO CREDIT CARD

Get one free movie ticket per month with every movie ticket you purchase.

DUO DEBIT CARD

Get one free movie ticket per month with every movie ticket you purchase.

*Terms & conditions apply. For details click here

ROAM UNRESTRICTED

DUO CREDIT CARD

IndusInd Bank understands your travel needs and brings you the unique travel assist program - 'Travel Plus'. With the Travel Plus Program, you also enjoy special waivers on lounge usage charges outside India. Travel Plus Program is applicable only on the Duo Credit Card.

*Terms & conditions apply. For details, please click here

ALWAYS ASSURED

Delight in dependable protection. It secures you against a range of eventualities, so that you have no reason to worry.

DUO CREDIT CARD

Avail air accident insurance up to Rs. 25 lakhs, insurance on lost or delayed baggage, loss of passport or ticket, missed connections, as well as total protection up to your credit limit.

DUO DEBIT CARD

Get air accident cover of Rs. 25 lakhs, personal accidental death insurance of Rs. 2 lakhs, lost card liability of Rs. 3 lakhs, as well as purchase protection worth Rs. 50,000.

For detailed terms and conditions, please click here

DUO CARD 24-HOUR CONCIERGE SERVICE

Access round-the-clock assistance from our team of global experts, with Concierge Services on your IndusInd Bank Duo Card.

Please click here for more terms and conditions.

 

Disclaimer : Basis our internal assessment norms; cardholder may be issued a DUO (Credit) Card with NIL limit, which will be inactive for usage and its associated benefits. The DUO (Debit) Card and its associated benefits with the applicable limits will be active for usage.

Please click here for more terms and conditions.

DUO Usage

1) How to use your Duo Card

Your IndusInd Bank Duo Card comes with two EMV Chips & PINs. Thus it provides you with enhanced security for all your domestic and international transactions, in line with the best global practices on security of transactions.



2) How to use your Duo Card at an ATM

  • You can use your IndusInd Bank Duo Card as an ATM/Debit Card by entering your Debit Card PIN to withdraw funds from your Bank Account, and to conduct other Banking transactions at an ATM. Please ensure to insert your Duo Card in to the ATM card slot from the ‘ATM/Debit Card’ (blue arrow) side. Debit Transactions initiated with your Duo Card and your Debit Card PIN will appear on the statement we send to you for your IndusInd Bank Account.
  • You can also use your IndusInd Bank Duo Card as a Credit Card by entering your Credit Card PIN to obtain a Cash Advance against your Credit Card Cash Limit. Cash Advance and Interest Charges will be applicable for such Cash Advances. Please refer to the Schedule of Charges for more details. Please ensure to insert your Duo Card into the ATM card slot from the ‘Credit Card’ (yellow arrow) side. Cash Advance Transactions initiated with your Duo Card and your Credit Card PIN will appear on the monthly Credit Card statement.

3) How to use your Duo Card at Point-of-Sale Merchant Establishments

  • To pay for transactions using the funds in your IndusInd Bank Account, please ensure to insert your Duo Card into a POS Machine slot from the ‘ATM/Debit Card’ (blue arrow) side and enter your Debit Card PIN. Such Purchase Transactions initiated with your Duo Card and your Debit Card PIN will appear on the statement we send to you for your Bank Account.
  • To pay for transactions using the assigned Credit Card Limit, please ensure to insert your Duo Card into the POS Machine slot from the ‘Credit Card’ (yellow arrow) side and enter your Credit Card PIN. Such Purchase Transactions initiated with your Duo Card and your Credit Card PIN will appear on the monthly Credit Card statement.
  • To pay for transactions at Non Chip and PIN POS Merchant Terminals, please ensure to swipe your Duo Card Magstripe as per your preferred Debit/Credit Card option and enter the appropriate PIN to complete the transaction.

4)  How to use your Duo Card Online – You can use your IndusInd Bank Duo Card to shop online, pay for services, or make utility bill payments.

  • For online transactions using the funds in your IndusInd Bank Account, please enter your Debit Card Credentials (Card Number, Expiry Date, CVV) on the Merchant Website to make the payment. You can authenticate the online transaction using the Verified By Visa (VBV) Password or the One Time Password (OTP), which will be sent on your Registered Mobile Number. Such Online Transactions initiated with your Duo Debit Card details will appear on the statement we send to you for your Bank Account.
  • For online transactions using the assigned Credit Card Limit, please enter your Credit Card Credentials (Card Number, Expiry Date, CVV) on the Merchant Website to make the payment. You can authenticate the online transaction using the Verified By Visa (VBV) Password or the One Time Password (OTP), which will be sent on your Registered Mobile Number/Email Address. Such Online Transactions initiated with your Duo Credit Card details will appear on the monthly Credit Card statement.

Value Table

DUO Card Privileges

Annual Estimation
DUO Privileges Savings on Market Value
Movie tickets (2*12*250) Rs. 6,000
Savings on Fuel Surcharge Rs. 2,400
Annual value of Reward Points on an average spend of Rs. 30,000 per month (200*12*0.75) Rs. 1,800
Total Savings Rs. 10200

DUO Plus

Joining Fees - ₹ 1500
Annual Fees - ₹ 799
Voucher value - ₹ 1000

Voucher will be of any of the following brands: Bata, United Colors of Benetton, Levis, Pantaloons, Pizza Hut

DUO Premier

Joining Fees - ₹ 3000
Annual Fees - ₹ 799
Voucher value - ₹ 3000

Voucher will be of any of the following brands: Louis Philippe, Titan, Aldo, Bata, Fab Hotels, Marks & Spencer

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  • SAVINGS RATES

  • Daily balance Upto Rs. 1 Lakh 4 %
  • Daily balance above Rs. 1 Lakh & upto (& including) Rs. 10 Lakhs 5 %
  • Daily balance above Rs.10 Lakhs 6 %
  • DEPOSIT RATES

  • Above 1 year 4 months to below 2 years 7.25 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 7.15 %
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