What is Verified by Visa™?

The Verified by Visa is a Payer Authentication service that adds an extra layer of security when a Cardmember shops online. Verified by Visa reduces unauthorized online use before it happens by validating the Cardmember's identity with an additional password.

How does the Verified by Visa™ facility work?

The Verified by Visa provides you with the ability to attach a password to your existing IndusInd Bank Visa Card to protect your online transactions, just like your PIN at an ATM. Here's how it works:

• Select the goods or services you want from a Verified by Visa enabled online store and proceed to the payment page.
• Enter the payment details requested including your IndusInd Bank Visa Card number.
• The online store connects with IndusInd Bank e-Secure service site to check whether your Card is secured with Verified by Visa.
• A Verified by Visa pop-up window will appear on your computer screen showing the merchant name, amount, date, your Credit Card number and the IndusInd Bank welcome message.
• You are required to check that the details mentioned on the page are correct, and then enter your password. IndusInd Bank will then confirm your identity to the merchant.
• Your payment will be authorized, the transaction will be completed as usual and your order will be placed.

How does Verified by Visa™ protect me?

As your IndusInd Bank Visa Card is protected by your e-Secure password, only you can use your Card to make purchases online.

How do I register my IndusInd Bank Visa Card for the facility?

You can register for Verified by Visa while transacting online on the merchant website.

If you hold an IndusInd Bank Visa Card, you can register for the facility by entering the Card number, Card expiry date, CVV (the 3 digit number printed at the end of the signature panel on the back of the Credit Card) and date of birth.

Post entering these details, an authorization code will be sent to your registered mobile number and email address. Please enter the authorization code and proceed to set up your Verified by Visa password.

Can I register with my existing IndusInd Bank Visa Card?

Yes, you can register with Verified by Visa using your existing IndusInd Bank Visa Card. You don't need to apply for a new Card.

What do I do when I'm issued a new Card?

If your card has been renewed/lost/stolen/upgraded, your replaced/new credit card will have a different Card number. In such cases, you will need to re-register while transacting online on the merchant website with your new Card number & details.

Can I register my Cards from other networks with Verified by Visa™?

Verified by Visa is only offered to protect the IndusInd Bank Visa Card(s). For other cards, please check with the relevant service provider.

Do I need any special equipment or software?

All you need is an Internet connection and Internet Explorer 8.0 and above, or latest versions of Google Chrome and Mozilla Firefox browsers. To find out, if your browser is compatible, go to the "Help" menu in the upper right of your browser and select the "About" option. It should tell you what version is installed on your computer.

What are the terms and conditions for using this service?

The terms and conditions are provided for you to read and accept before you begin to register your IndusInd Bank Visa Card. Click here for detailed terms and conditions.

What if I need help to register my IndusInd Bank Visa Card?

If you need help in registering your IndusInd Bank Visa Card, you can contact the IndusInd Bank Customer Service 1860 267 7777 / +91-22-4220 7777 or email us at premium.care@indusind.com

Where can I shop with Verified by Visa™?

Look for the Verified by Visa logo on participating online stores; this will indicate that the merchant is enrolled for Verified by Visa.

How will the online store know that I have signed up with Verified by Visa™?

Participating online stores will automatically recognize your IndusInd Bank Visa Card number if it is registered.

What should I do if I am shopping online and I don't get asked for my Verified by Visa™ password or OTP?

You can simply enter your payment details as normal and complete your transaction. It may mean that the merchant is not yet enrolled in the Verified by Visa service. It is recommended that you transact online with trusted retailers only.

What if I forget my password?

If you forget your password while transacting online on a merchant website, you can create a new password by clicking on the ‘Forgot Your Password’ link on the IBL e-Secure webpage.
Alternatively, you can complete the transaction using the One Time Password (OTP), which will be sent on your registered mobile number and email address.

What do I do if I think someone has my password?

While transacting online on a merchant website, you can change your password by clicking on the ‘Forgot Your Password’ link on the IBL e-Secure webpage.

What happens if I shop at a Verified by Visa™ merchant website while I'm not registered for this feature?

You will be prompted for registration for Verified by Visa while transacting online on a merchant website.

If you hold an IndusInd Bank Visa Card, you would need to authenticate yourself by entering your Card number, Card expiry date, CVV (the 3 digit number printed at the end of the signature panel on the back of the Credit Card), date of birth and then create your personal IBL e-Secure password. Thereafter, you can continue shopping on the merchant website.

Alternatively, you can complete the transaction using the One Time Password (OTP), which will be sent on your registered mobile number and email address.

Can I complete the transaction without registering for Verified by Visa™ using only the One Time Password (OTP)?

Yes, you can complete the transaction using the OTP which will be sent on your registered mobile number and email address.

Can I use the same OTP for multiple transactions?

No, the One Time Password (OTP) can be used for a single transaction only.

What happens if I enter an incorrect OTP or Verified by Visa™ password multiple times?

In case you enter an incorrect OTP or Verified by Visa password three times consecutively or if the combination of incorrect OTP / Verified by Visa password totals three attempts, your transaction will be declined and your credit card will be blocked for online transactions.

You will be required to contact the helpline number 1860 267 7777 / +91-22-4220 7777 or email us at premium.care@indusind.com to unblock your credit card for online transactions.

What do I do in case of non-receipt of OTP?

The OTP will be sent to your registered mobile number and email address as soon as the online transaction request is received by the Bank from the merchant’s website. However, due to network issues there could be a delay in receipt of the OTP. To factor this, the OTP is valid for 5 minutes. In the event that you do not receive the OTP in 5 minutes, there will be an option provided to re-generate another OTP which again would be valid for 5 minutes.

If I am using an Additional or Supplementary Card, will the OTP be sent to the Primary Card holder’s registered mobile number and email address?

Yes, the OTP will be sent to the Primary cardholder’s registered mobile number and email address.

What is MasterCard® SecureCode™?

The MasterCard® SecureCode™ is a Payer Authentication service that adds an extra layer of security when a Cardmember shops online. SecureCode™ reduces unauthorized online use before it happens by validating the Cardmember's identity with an additional password.

How does the MasterCard® SecureCode™ facility work?

The MasterCard® SecureCode™ provides you with the ability to attach a password to your existing IndusInd Bank MasterCard Card to protect your online transactions, just like your PIN at an ATM. Here's how it works:

• Select the goods or services you want from a MasterCard® SecureCode™ enabled online store and proceed to the payment page.
• Enter the payment details requested including your IndusInd Bank MasterCard Card number.
• The online store connects with IndusInd Bank e-Secure service site to check whether your Card is secured with MasterCard® SecureCode™.
• A MasterCard® SecureCode™ pop-up window will appear on your computer screen showing the merchant name, amount, date, your Credit Card number and the IndusInd Bank welcome message.
• You are required to check that the details mentioned on the page are correct, and then enter your password. IndusInd Bank will then confirm your identity to the merchant.
• Your payment will be authorized, the transaction will be completed as usual and your order will be placed.

How does MasterCard® SecureCode™ protect me?

As your IndusInd Bank MasterCard Card is protected by your e-Secure password, only you can use your Card to make purchases online.

How do I register my IndusInd Bank MasterCard Card for the facility?

You can register for MasterCard® SecureCode™ while transacting online on the merchant website.

If you hold an IndusInd Bank MasterCard Card, you can register for the facility by entering the Card number, Card expiry date, CVV (the 3 digit number printed at the end of the signature panel on the back of the Credit Card) and date of birth.

Post entering these details, an authorization code will be sent to your registered mobile number and email address. Please enter the authorization code and proceed to set up your MasterCard® SecureCode™ password.

Can I register with my existing IndusInd Bank MasterCard Card?

Yes, you can register for MasterCard® SecureCode™ using your existing IndusInd Bank MasterCard Card. You don't need to apply for a new Card.

What do I do when I'm issued a new Card?

If your card has been renewed/lost/stolen/upgraded, your replaced/new credit card will have a different Card number. In such cases, you will need to re-register while transacting online on the merchant website with your new Card number & details.

Can I register my Cards from other networks with MasterCard® SecureCode™?

MasterCard® SecureCode™ is only offered to protect the IndusInd Bank MasterCard Card(s). For other cards, please check with the relevant service provider.

Do I need any special equipment or software?

All you need is an Internet connection and Internet Explorer 8.0 and above, or latest versions of Google Chrome and Mozilla Firefox browsers. To find out, if your browser is compatible, go to the "Help" menu in the upper right of your browser and select the "About" option. It should tell you what version is installed on your computer.

What are the terms and conditions for using this service?

The terms and conditions are provided for you to read and accept before you begin to register your IndusInd Bank MasterCard Card. Click here for detailed terms and conditions.

What if I need help to register my IndusInd Bank MasterCard Card?

If you need help registering your IndusInd Bank MasterCard Card, you can contact the IndusInd Bank Customer Service 1860 267 7777 / +91-22-4220 7777 or email us at premium.care@indusind.com

Where can I shop with MasterCard® SecureCode™?

Look for the MasterCard® SecureCode™ logo on participating online stores; this will indicate that the merchant is enrolled for SecureCode™.

How will the online store know that I have signed up with MasterCard® SecureCode™?

Participating online stores will automatically recognize your IndusInd Bank MasterCard Card number if it is registered.

What should I do if I am shopping online and I don't get asked for my MasterCard® SecureCode™?

You can simply enter your payment details as normal and complete your transaction. It may mean that the merchant is not yet enrolled in the MasterCard® SecureCode™ service. It is recommended that you transact online with trusted retailers only.

What if I forget my password?

If you forget your password while transacting online on a merchant website, you can create a new password by clicking on the ‘Forgot Your Password’ link on the IBL e-Secure webpage.

Alternatively, you can complete the transaction using the One Time Password (OTP), which will be sent on your registered mobile number and email address.

What do I do if I think someone has my password?

While transacting online on a merchant website, you can change your password by clicking on the ‘Forgot Your Password’ link on the IBL e-Secure webpage.

What happens if I shop at a MasterCard® SecureCode™ merchant website while I'm not registered for this feature?

You will be prompted for registration for MasterCard® SecureCode™ while transacting online on a merchant website.

If you hold an IndusInd Bank MasterCard Card, you would need to authenticate yourself by entering your Card number, Card expiry date, CVV (the 3 digit number printed at the end of the signature panel on the back of the Credit Card), date of birth and then create your personal IBL e-Secure password. Thereafter, you can continue shopping on the merchant website.

Alternatively, you can complete the transaction using the One Time Password (OTP), which will be sent on your registered mobile number and email address.

Can I complete the transaction without registering for MasterCard® SecureCode™ using only the One Time Password (OTP)?

Yes, you can complete the transaction using the OTP which will be sent on your registered mobile number and email address.

Can I use the same OTP for multiple transactions?

No, the One Time Password (OTP) can be used for a single transaction only.

What happens if I enter an incorrect OTP or MasterCard® SecureCode™ password multiple times?

In case you enter an incorrect OTP or MasterCard® SecureCode™ password three times consecutively or if the combination of incorrect OTP / MasterCard® SecureCode™ password totals three attempts, your transaction will be declined and your credit card will be blocked for online transactions.

You will be required to contact the helpline number 1860 267 7777 / +91-22-4220 7777 or email us at premium.care@indusind.com to unblock your credit card for online transactions.

What do I do in case of non-receipt of OTP?

The OTP will be sent to your registered mobile number and email address as soon as the online transaction request is received by the Bank from the merchant’s website. However, due to network issues there could be a delay in receipt of the OTP. To factor this, the OTP is valid for 5 minutes. In the event that you do not receive the OTP in 5 minutes, there will be an option provided to re-generate another OTP which again would be valid for 5 minutes.

If I am using an Additional or Supplementary Card, will the OTP be sent to the Primary Card holder’s registered mobile number and email address?

Yes, the OTP will be sent to the Primary cardholder’s registered mobile number and email address.

What is American Express SafeKey^SM?

The American Express SafeKey^SM is a Payer Authentication service that adds an extra layer of security when a Cardmember shops online. SafeKey℠ reduces unauthorized online use before it happens by validating the Cardmember's identity with an additional password.

How does the American Express SafeKey^SMfacility work?

The American Express SafeKey^SM provides you with the ability to attach a password to your existing IndusInd Bank American Express Card to protect your online transactions, just like your PIN at an ATM. Here's how it works:

• Select the goods or services you want from an American Express SafeKey^SM enabled online store and proceed to the payment page.
• Enter the payment details requested including your IndusInd Bank American Express Card number.
• The online store connects with IndusInd Bank e-Secure service site to check whether your Card is secured with American Express SafeKey^SM.
• An American Express SafeKey^SM pop-up window will appear on your computer screen showing the merchant name, amount, date, your Credit Card number and the IndusInd Bank welcome message.
• You are required to check that the details mentioned on the page are correct, and then enter your password. IndusInd Bank will then confirm your identity to the merchant.
• Your payment will be authorized, the transaction will be completed as usual and your order will be placed.

How does American Express SafeKey^SM protect me?

As your IndusInd Bank American Express Card is protected by your e-Secure password, only you can use your Card to make purchases online.

How do I register my IndusInd Bank American Express Card for the facility?

You can register for American Express SafeKey^SM while transacting online on the merchant website.

If you hold an IndusInd Bank American Express Card, you can register for the facility by entering the Card number, Card expiry date, CSC (the 4 digit number printed on the face of the Credit Card) and date of birth.

Post entering these details, an authorization code will be sent to your registered mobile number and email address. Please enter the authorization code and proceed to set up your for American Express SafeKey^SM password.

Can I register with my existing IndusInd Bank American Express Card?

Yes, you can register with American Express SafeKey^SM using your existing IndusInd Bank American Express Card. You don't need to apply for a new Card.

What do I do when I'm issued a new Card?

If your card has been renewed/lost/stolen/upgraded, your replaced/new credit card will have a different Card number. In such cases, you will need to re-register while transacting online on the merchant website with your new Card number & details.

Can I register my Cards from other networks with American Express SafeKey^SM?

American Express SafeKey^SM is only offered to protect the IndusInd Bank American Express Card(s). For other cards, please check with the relevant service provider.

Do I need any special equipment or software?

All you need is an Internet connection and Internet Explorer 8.0 and above, or latest versions of Google Chrome and Mozilla Firefox browsers. To find out, if your browser is compatible, go to the "Help" menu in the upper right of your browser and select the "About" option. It should tell you what version is installed on your computer.

What are the terms and conditions for using this service?

The terms and conditions are provided for you to read and accept before you begin to register your IndusInd Bank American Express Card. Click here for detailed terms and conditions.

What if I need help to register my IndusInd Bank American Express Card?

If you need help registering your IndusInd Bank American Express Card, you can contact the IndusInd Bank Customer Service 1860 267 7777 / +91-22-4220 7777 or email us at premium.care@indusind.com

Where can I shop with American Express SafeKey^SM?

Look for the American Express SafeKey^SM logo on participating online stores; this will indicate that the merchant is enrolled for SafeKey^SM.

How will the online store know that I have signed up with American Express SafeKey^SM?

Participating online stores will automatically recognize your IndusInd Bank American Express Card number if it is registered.

What should I do if I am shopping online and I don't get asked for my American Express SafeKey^SM password or OTP?

You can simply enter your payment details as normal and complete your transaction. It may mean that the merchant is not yet enrolled in the American Express SafeKey^SM service. It is recommended that you transact online with trusted retailers only.

What if I forget my password?

If you forget your password while transacting online on a merchant website, you can create a new password by clicking on the ‘Forgot Your Password’ link on the IBL e-Secure webpage.

Alternatively, you can complete the transaction using the One Time Password (OTP), which will be sent on your registered mobile number and email address.

What do I do if I think someone has my password?

While transacting online on a merchant website, you can change your password by clicking on the ‘Forgot Your Password’ link on the IBL e-Secure webpage.

What happens if I shop at an American Express SafeKey℠ merchant website while I'm not registered for this feature?

You will be prompted for registration for American Express SafeKey℠ while transacting online on a merchant website.

If you hold an IndusInd Bank American Express Card, you would need to authenticate yourself by entering your Card number, Card expiry date, CSC (the 4 digit number printed on the face of the Credit Card), date of birth and then create your personal IBL e-Secure password. Thereafter, you can continue shopping on the merchant website.

Alternatively, you can complete the transaction using the One Time Password (OTP), which will be sent on your registered mobile number and email address.

Can I complete the transaction without registering for American Express SafeKey^SM using only the One Time Password (OTP)?

Yes, you can complete the transaction using the OTP which will be sent on your registered mobile number and email address.

Can I use the same OTP for multiple transactions?

No, the One Time Password (OTP) can be used for a single transaction only.

What happens if I enter an incorrect OTP or American Express SafeKey^SM password multiple times?

In case you enter an incorrect OTP or American Express SafeKey^SM password three times consecutively or if the combination of incorrect OTP / American Express SafeKey^SM password totals three attempts, your transaction will be declined and your credit card will be blocked for online transactions.

What happens if I enter an incorrect OTP or American Express SafeKey^SM password multiple times?

In case you enter an incorrect OTP or American Express SafeKey^SM password three times consecutively or if the combination of incorrect OTP / American Express SafeKey^SM password totals three attempts, your transaction will be declined and your credit card will be blocked for online transactions.

You will be required to contact the helpline number 1860 267 7777 / +91-22-4220 7777 or email us at premium.care@indusind.com to unblock your credit card for online transactions.

What do I do in case of non-receipt of OTP?

The OTP will be sent to your registered mobile number and email address as soon as the online transaction request is received by the Bank from the merchant’s website. However, due to network issues there could be a delay in receipt of the OTP. To factor this, the OTP is valid for 5 minutes. In the event that you do not receive the OTP in 5 minutes, there will be an option provided to re-generate another OTP which again would be valid for 5 minutes.

If I am using an Additional or Supplementary Card, will the OTP be sent to the Primary Card holder’s registered mobile number and email address?

Yes, the OTP will be sent to the Primary cardholder’s registered mobile number and email address.

Terms and Conditions for IndusInd e-Secure service

Please read the following Terms and Conditions carefully before using IBL e-Secure service. In this Agreement, "Issuer" refers to the Financial Institution that issued your credit card i.e. IndusInd Bank ; "we," "us," and "our" refer to Issuer and its suppliers of card processing and web-hosting services; and "you," "your”, or "yours" refers to the Cardholder using IBL e-Secure service.

• The Terms and Conditions set out herein are in addition to the Issuer’s General Terms and Conditions applicable for IndusInd Bank Credit Cards.
• The following words and phrases shall have the following meanings in these Terms and Conditions:
  • "Card" means an international credit card issued by the Issuer in association with Visa International/American Express/ MasterCard^®.
  • "Cardholder" means any person holding a valid Card issued by the Issuer and who desires to make payments to the Merchant over the Internet using the Card.
  • "Merchant" means any person who owns or manages or operates the merchant establishment through a physical establishment and/or a website.
  • "Password" means the passwords, digital signatures or other means of authentication as the Issuer may specify, from time to time using which the Cardholder may make payments through the Internet using the Card in a secured manner.
  • "Registration Data" means the information asked by the Issuer in order to confirm the identity of the Cardholder before proceeding for IBL e-Secure password creation.
  • These Terms and Conditions form a contract between the Cardholder and the Issuer for use of IBL e-Secure service. By using the IBL e-Secure Service, the Cardholder shall be deemed to have accepted these Terms and Conditions. The Cardholder shall apply to the Issuer online for use of IBL e-Secure service by providing the Registration Data. The Issuer shall be entitled at its sole discretion to accept or reject such applications.
• IBL e-Secure service lets you shop online securely with your IndusInd Bank Credit Card, which may be used only on merchant websites that subscribe to services of "Verified By Visa™" (VbV) or "American Express SafeKey℠ or MasterCard® SecureCode security platform"
• IBL e-Secure service enables you to authenticate yourself at the time of purchase by using your IBL e-Secure Password/OTP and protects your IndusInd Bank Credit Card against unauthorised use of your Credit Card
• The Cardholder can create his password after verification of the Registration Data provided, for the purpose of authentication of the Cardholder.
• Once the Issuer validates the Cardholder’s identity as part of the IBL e-Secure registration process, the Cardholder would be permitted to create his own Password for future transactions.
• The Issuer shall validate the Card details provided by the Cardholder during the course of a transaction directly and the Merchant will not be privy to the same.
• IBL e-Secure service shall be provided at the discretion of the Issuer, which reserves the right to add, revise, suspend in whole or in part any of the services provided by IBL e-Secure service, without any notice and it shall be binding on the Cardholder.
• The Cardholder is aware that in case of payment over the Internet using his Card, the Cardholder will not sign the charge-slips at the time of making the payment. Accordingly, the Cardholder accepts that, in the event of any dispute regarding the authenticity or validity of such a payment, for any reason whatsoever, the Cardholder's account shall be liable to be debited with the amount payable if the transaction was properly authorized by the Issuer/Visa International/ MasterCard®/ American Express. The Issuer shall not be liable, in any manner whatsoever, for the same.
• Please note that if the Cardholder tries using his/her Card at a merchant website that does not subscribe to Verified By Visa or American Express SafeKey℠ or MasterCard SecureCode, then the transaction will get processed as a normal online payment. The Issuer shall not be liable, in any manner whatsoever, for the same.
• If the Cardholder does not successfully register for IBL e-Secure or if Cardholder chooses not to register for IndusInd Bank e-Secure, or if the Cardholder chooses not to use the OTP, the Issuer and/or the Merchant may not accept the Card to pay for an e-commerce or other transaction if such Merchant’s website is IBL e-Secure enabled.
• The Cardholder shall be solely responsible for the payments made through the Internet even in the event of the Cardholder claiming non-possession of the Card. The Cardholder shall further be solely responsible for any payments made using the Card through the Internet for travel and entertainment purposes and cannot claim the invalidity of the same.
• Any payment made on the Internet using the Cardholder's e-Secure Password/OTP shall be deemed to be an instruction duly received from the Cardholder. The IBL e-Secure Password created by him/her or the OTP requested by the Cardholder, allows the Cardholder to make payments through Internet and that the Cardholder is the sole and exclusive owner of the IBL e-Secure Password/OTP and accepts sole responsibility for use, confidentiality and protection of the IBL e-Secure Password/OTP, as well as for all payments made using such Passwords. The use of the Card by the Cardholder for making payments on the website is at the Cardholder's own risk and is the Cardholder's sole responsibility.
• The Cardholder shall indemnify and hold the Issuer, including its officers, employees and agents, against all losses and expenses on full indemnity basis, which the Issuer may incur, sustain, suffer or is likely to suffer in connection with the execution of the Cardholder's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing the IBL e-Secure service.
• The Issuer has no obligation to verify the authenticity of any payment made from the Card other than by means of verification of the Cardholder's e-Secure Password/validation of the OTP sent by the Issuer.
• All disputes, if any, arising out of or in connection with, or as a result of these Terms and Conditions or otherwise relating hereto, shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only.