Transparent Rewards: Earn while you shop
Say goodbye to maintenance fees and hello to high returns on your savings with IndusInd Bank INDIE Savings Account. Enjoy seamless banking with zero charges on essential services like IMPS, NEFT, RTGS, and UPI payments. Unlock exclusive rewards on debit card transactions and benefit from unlimited free cash withdrawals at all IndusInd Bank ATMs countrywide. Manage your money effortlessly while making every rupee count!
Transparent Rewards: Earn while you shop
FREE withdrawals across all IndusInd Bank ATMs in India
Seamless Online Transactions via UPI/Debit Card
Instant Access to a Credit Line up to ₹5 lakh
Interest Rate: up to 5% p.a.
Enter mobile number and completer OTP verification
Provide PAN & AADHAAR details
Fill your personal and professional details
Add funds to your account
Upgrade your savings account using the IndusInd Bank Mobile Banking app today and experience the power of premium banking. Enjoy personalized services, exclusive benefits, and unparalleled convenience. Check your eligibility and upgrade now!
Get the funds you need exactly when you need them. That's what Credit Line is all about. With this financial cushion, you are always prepared to tackle any of life's surprises or opportunities without the stress of a tight budget. What's more, you only pay interest on the amount you use. So, dream big and do not let financial barriers hold you back from achieving your dreams.
Features
Credit Line is packed with features to provide you with financial freedom and ultimate control
1. Get instant approval and quick access to funds up to ₹5 lakh
2. Withdraw funds any time, multiple times
3. Pay interest only on the amount you withdraw
4. Choose a flexible loan tenure and pay through convenient EMIs ranging from 1 to 36 months.
Credit Line offers easy-to-meet eligibility criteria. The essential requirement is to have an active IndusInd Bank INDIE Savings Account with good credit score.
Our numberless debit card keeps your card details safe, even if you lose it or use it in public.
Features
Switch to a convenient way to pay, with the IndusInd Bank Mobile Banking app. It allows you to make payments instantly from any bank account, using just a Virtual Payment Address, and without the need to remember any beneficiary details.
Activation of IndusInd Bank INDIE UPI handle can be done in 3 easy steps:
1. Go to Dashboard' in the IndusInd Bank Mobile Banking app & click on ‘Create UPI’
2. Select the sim with the mobile number linked to your account
3. Select Bank account & you’re all set!
Keep a tab on your monthly expenses with MoneyMate. It helps you stick to your budget goals by sending alerts when you're close to reaching your budget limit or when you've overspent.
From best-in-class interest rates to customized payout options, every feature of INDIE FD is designed to empower you financially. Whether you are planning for a trip, securing your child's education, or simply building a safety net, INDIE Fixed Deposit ensures your hard-earned money works as hard as you do.
Any IndusInd Bank customer with a valid full KYC account can book any of the following deposit products:
With IndusInd Bank Mobile Banking app, managing your finances has never been easier. Here’s what makes it outstanding
We are committed to fair and transparent pricing. There are no hidden charges. You can compare plans and choose the one that works best for you.
Please refer to this link for charges: https://indie.indusind.com/indie/plan-and-charges.html
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
Funding Amount Required in a Single Transaction within the First 30 Days of Account Opening, OR | ₹0 | 1. ₹25,000 or more in SA 2. ₹1,00,000 or more in SA+FD 3. First salary deposit of Rs. 25,000 or more |
1. ₹50,000 or more in SA 2. First salary deposit of Rs. 50,000 or more |
Minimum Average Quarterly Balance, OR | ₹0 | 1. ₹25,000 or more in SA 2. ₹1,00,000 or more in SA+FD |
1. ₹50,000 or more in SA 2. ₹2,00,000 or more in SA+FD |
INDIE GEMS Required to upgrade to next Tier | - | - | 1500 |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
Minimum Balance Requirement (effective from 23rd Jan 2024) | ₹0 | 1. ₹25,000 or more in SA 2. ₹1,00,000 or more in SA+FD |
1. ₹50,000 or more in SA 2. ₹2,00,000 or more in SA+FD |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
Charges applicable upon non-maintenance of required savings account balance | Not Applicable | 10% of the balance shortfall subject to minimum of Rs 100 and maximum of Rs 900 per quarter. (Applicable for accounts opened on or after 1st May, 2024 | Tier change to Superstar |
Debit Card Type | Visa Platinum | Visa Platinum | Visa Signature |
Mark-up on Debit Card transactions in Foreign Currency | 2% | 2% | 0% (Only on VISA Signature Debit Card) |
Earn Rate of Gems via INDIE debit card or UPI transactions on selected favourite brands (User can choose any top 3 brands from list of 15+ brands) | 1% | 2% | 3% |
Earn Rate of GEMs on INDIE debit card transactions | 0.25% | 0.25% | 0.50% |
Earn Rates of Gems on Fuel Transaction via INDIE UPI handle and Debit Card | 0 | 2% (Max 500 gems per month) | 3% (Max 500 gems per month) |
Instant Redemption of GEMs into Cash available | Yes | Yes | Yes |
Complimentary Domestic Airport Lounge Access | Not Applicable | Not Applicable | Once per quarter (Only on VISA Signature Debit Card) |
Complimentary Tickets on Bookmyshow | Not Applicable | Buy one ticket and Get one free upto ₹250 (Applicable twice per quarter, only for users onboarded via IndusInd Bank branches) | Buy one ticket and Get one free upto ₹400 (Applicable once per month, Only on VISA Signature Debit Card) |
INDIE Gems on Bill Payments per month. Eligible categories: Credit Card, FASTag, DTH, Loan Repayment, Electricity, Mobile Postpaid & Mutual Fund. (Effective from 19th March 2024) | 25 Gems on each bill payment of ₹500 or more on eligible categories (max. 200 Gems per calendar month) | 25 Gems on each bill payment of ₹500 or more on eligible categories (max. 200 Gems per calendar month) | 50 Gems on each bill payment of ₹500 or more on eligible categories (max. 500 Gems per calendar month) |
Accrual limit on INDIE Gems (Applicable from 1st June 2024) | 2,500 Gems Monthly | 2,500 Gems Monthly | 2,500 Gems Monthly |
Redemption limit on INDIE Gems | 1,500 per day; 2,500 in a month. | 1,500 per day; 2,500 in a month. | 1,500 per day; 2,500 in a month. |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
First Physical Debit Card Dispatch in your Respective Tier | ₹499 | ₹0 for users onboarded via IndusInd Bank branches | No Charges (Only on VISA Signature Debit Card) |
Debit Card Replacement fee | ₹150 | ₹150 | ₹150 |
Physical Debit Card Annual Renewal Fee | ₹499 | ₹0 for users onboarded via IndusInd Bank branches and ₹249 for users onboarded via IndusInd Bank Mobile Banking app | No Charges (Only on VISA Signature Debit Card) |
Non-cash transactions (Balance Enquiry, PIN Change and Mini Statement) - Other Bank ATMs in India | First 5 transactions per month are free. Post 5, ₹11 per transaction | First 5 transactions per month are free. Post 5, ₹11 per transaction | No Charges (Only on VISA Signature Debit Card) |
Cash Withdrawals (IndusInd Bank ATMs) | Unlimited free transactions. | Unlimited free transactions. | Unlimited free transactions. |
Cash Withdrawals (Other Bank ATMs) | First 5 transactions per month are free. Post 5, ₹21 per transaction | First 5 transactions per month are free. Post 5, ₹21 per transaction | Unlimited free transactions (Only on VISA Signature Debit Card) |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
Non financial transactions - Other ATMs outside India | ₹20 per txn | ₹20 per txn | ₹20 per txn |
Cash Withdrawals - Other Bank ATMs outside India | ₹125 per withdrawal | ₹125 per withdrawal |
₹125 per withdrawal |
Foreign Currency Exchange Mark Up Fee | 2% | 2% | 0% (Only on VISA Signature Debit Card) |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
IMPS/UPI | No charges | No charges | No charges |
Internal Transfer | No charges | No charges |
No charges |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
Inward Remittances | 0.20% mark-up on prevailing market rate + taxes as applicable | 0.20% mark-up on prevailing market rate + taxes as applicable | 0.20% mark-up on prevailing market rate + taxes as applicable |
FIRC (Foreign Inward Remittance Certificate) Issuance | ₹100 | ₹100 |
₹100 |
Outward Remittance | ₹250 + swift charges | ₹250 + swift charges | ₹250 + swift charges |
SWIFT/ Wire Transfer | ₹500 | ₹500 | ₹500 |
FCY (Foreign Currency) Draft /DD issuance | ₹350 | ₹350 | ₹350 |
FCY (Foreign Currency) Cheque Collection | ₹50 | ₹50 | ₹50 |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
Penal charges for Delayed payments | 1% of EMI amount + GST | 1% of EMI amount + GST | 2% of EMI amount + GST |
Payment dishonour charges | ₹399 + GST | ₹399 + GST |
₹399 + GST |
Delayed EMI payment charges | Nil | Nil | Nil |
Duplicate statement issuance charges | Nil | Nil | Nil |
Cheque/ ECS / SI Swapping charges | Not Applicable | Not Applicable | Not Applicable |
Duplicate No dues certificate | Nil | Nil | Nil |
Duplicate amortization schedule charges | Not Applicable | Not Applicable | Not Applicable |
Loan Re-booking/ Rescheduling charges | Not Applicable | Not Applicable | Not Applicable |
Loan cancellation charges (allowed till 3 days of loan booking) | Nil | Nil | Nil |
Issuance charges of photocopy of loan agreement | Not Applicable | Not Applicable | Not Applicable |
CIBIL Report charges | Not Applicable | Not Applicable | Not Applicable |
Legal charges | Not Applicable | Not Applicable | Not Applicable |
STAR | SUPERSTAR (Applicable to users onboarded via IndusInd Bank branch) |
MEGASTAR | |
---|---|---|---|
Issuance of Cheque Book | ₹100 + GST per chequebook (25 leaves) | 1 Cheque Book per quarter (25 leaves) free. For every additional cheque book per quarter: ₹100 + GST/- | 1 Cheque Book per quarter (25 leaves) free. For every additional cheque book per quarter: ₹100 + GST/- |
This is a zero-balance account. We will not charge you for not maintaining any balance. However, in order to enjoy the full benefits of this account, we recommend you keep as much account balance as you can.
TA virtual debit card is available only on the INDIE app and can be used only for online transactions. It has its unique card number, expiration date, and CVV.
It is available to the customer by default post on-boarding. To access your virtual debit card, go to the debit card section on the home page
If required, your virtual debit card also be blocked. Please follow the steps listed above to block a debit card.
You will need the following for completing your Video KYC
Here are the differences:
Minimum KYC account | Full KYC account | |
---|---|---|
Maximum Balance | INR 100,000 | No limits |
Account Validity | 1 year | NA |
Yearly transaction limit | INR 2 lakhs | No constraints |
You can redeem your Gems from the Rewards section on the INDIE app by clicking on the “Redeem now” link. INDIE Gems can be redeemed as cashback or in the form of your favourite brand vouchers. The cashback is credited instantly to your INDIE savings account.
Here are the redemption limits:
Daily limit: 1500 INDIE Gems
Monthly limit: 2500 INDIE Gems
Yearly limit: 30000 INDIE Gems
1 INDIE Gem = ₹1