Indus Delite: Zero Balance Saving Account

Open an Online Savings Account Instantly with INDIE by IndusInd Bank

Best-in-class Online Savings Account with no maintenance fee

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

Transparent Rewards: Earn while you shop

FREE withdrawals across all IndusInd Bank ATMs in India

FREE withdrawals across all IndusInd Bank ATMs in India

Seamless Online Transactions via UPI/Debit Card

Seamless Online Transactions via UPI/Debit Card

Instant Access to a Credit Line up to ā‚¹5 lakh

Instant Access to a Credit Line up to ā‚¹5 lakh

Interest Rate: up to 7% p.a.

Interest Rate: up to 7% p.a.

Benefits of IndusInd Bank INDIE Savings Account

Manage your finances on-the-go

Enjoy exclusive discounts and offers

Track your expenses and plan your budget with ease

Earn Gems as rewards on transactions. 1 Gem = ā‚¹1

Level up to a Megastar to enjoy higher tier benefits

Earn more returns on Savings with an Auto Sweep FD

Advanced security features Dynamic OTP, Numberless Card & more

Auto Sweep FD with higher returns of up to 7.99% p.a.

Easy access to a credit line of up to ā‚¹5 lakh

Switch to better banking with IndusInd Bank INDIE Savings Account. Unlock the power of INDIE:

How to Open an IndusInd Bank INDIE Savings Account?

Opening an savings account on IndusInd Bank Mobile Banking app is easy. Hereā€™s all that you need to do:
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  • Documents Required For Personal Loan - IndusInd Bank

    Enter mobile number and completer OTP verification

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    Provide PAN & AADHAAR details

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    Fill your personal and professional details

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    Add funds to your account

APPLY NOW

Eligibility Criteria

Indian Resident

At least 18 years old

Have PAN & Aadhaar card

Here are a few eligibility conditions you must meet to open an IndusInd Bank INDIE Savings account.

Transparent Loyalty Program: Level Up Your Banking with INDIE YOUniverse

Take your banking experience to the next level with an INDIE Megastar account Upgrade to unlock exclusive privileges, offers, and rewards. As a Megastar, you get to enjoy:
  • 3% INDIE Gems on the brands of your choice (Redeem these Gems instantly as cashback or vouchers. 1 INDIE Gem = ā‚¹1)
  • ZERO Forex mark-up on international transactionsĀ 
  • Unlimited Free Cash Withdrawals at IndusInd Bank ATMs
  • Zero payment fees on UPI/ NEFT/RTGS
  • ZERO debit card charges

Upgrade your savings account using theĀ  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!

My Credit Line

Borrow Anytime, Multiple Times with Credit Line!

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.Ā 
Ā 
FeaturesĀ 

Credit Line is packed with features to provide you with financial freedom and ultimate controlĀ 
1.Ā  Get instant approval and quick access to funds up to ā‚¹5 lakhĀ 
2.Ā  Withdraw funds any time, multiple timesĀ 
3. Pay interest only on the amount you withdrawĀ 
4. Choose a flexible loan tenure and pay through convenient EMIs ranging from 1 to 36 months.

Eligibility Criteria to avail Credit Line

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.

Debit Card

Our numberless debit card keeps your card details safe, even if you lose it or use it in public.

Features

  • Spend Safely Online with Single Use Virtual Disposable Card
  • Travel the world with just 0% to 2% forex mark up on international transactions, accepted in 150+ countries.
  • Forget about delayed OTP by staying connected to the internet and generating Super OTP in the IndusInd Bank Mobile Banking app.
  • Bad at remembering PINs? Generate a dynamic PIN inĀ  the IndusInd Bank Mobile BankingĀ  app every time you use your card.

UPI

Switch to a convenient way to pay, with theĀ  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 UPI Ā 

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 ā€˜Create UPIā€™
2. Select the sim with the mobile number linked to your accountĀ 
3. Select Bank account & youā€™re all set!

Key Features Ā 

  • No need for cash
  • 24/7 service
  • Instant money transfers
  • Use any Bank Account

MoneyMate

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.

  • Create monthly budget goals and ensure you never overspend
  • Set up spending limits across categories like groceries, entertainment, and travel etc.
  • Track & explore your spending across categories.
  • Get notified when you overspend.

Deposits

From best-in-class interest rates to customized payout options, every feature of INDIE FD is designed to empower you financially.Ā  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:

  • Fixed Deposit (FD)
  • Recurring Deposit (RD)
  • Tax Saver Deposit
  • Auto Sweep FD

Features and Benefits

  • Open FD online in just a fewĀ  minutes,Ā  anytime, from anywhere.
  • Enjoy competitive fixed deposit interest rates for a growth-oriented financial future.
  • Book a term deposit with an amount as low as ā‚¹1,000 and choose how you wish to receive your funds through multiple payout options.
  • Link your fixed deposit to savings account and make payments via FD whenever the savings account balance runs low.
  • Leverage the auto-sweep feature which automatically transfers any surplus funds in the savings account to an FD account tooffer high returns.

Wealth

With IndusInd Bank Mobile Banking app, managing your finances has never been easier. Hereā€™s what makes it outstandingā€ƒ

  • 100% Online Registration: Get started effortlessly with just a few tapsā€”no lengthy forms or paperwork.
  • Explore collections of large cap/mid cap/small cap or tax saver funds
  • Compare Mutual Funds: Side-by-side comparisons of fund performance to help you make smarter investment choices.
  • Investment Portfolio Management: Track and manage all your investments and performance in one place.
  • Risk Assessment: Get fund recommendations tailored to your risk appetite and financial goals.
  • Instant Transactions: Buy or sell funds in just 1 click.

Plan & Charges

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

Tier Upgrade Criteria (Effective 1st April 2024)

Ā  STAR SUPERSTARĀ 
(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 ā‚¹0 1. ā‚¹25,000 or more in SA Ā 
2. ā‚¹1,00,000 or more in SA+FDĀ  Ā 
3. First salary deposit of Rs. 25,000 or more
1. ā‚¹50,000 or more in SAĀ 
2. First salary deposit of Rs. 50,000 or more
Minimum Average Quarterly Balance, OR ā‚¹0 1. ā‚¹25,000 or more in SA Ā 
2. ā‚¹1,00,000 or more in SA+FD
1. ā‚¹50,000 or more in SA Ā 
2. ā‚¹2,00,000 or more in SA+FD
INDIE GEMS Required to upgrade to next Tier - - 1500

Tier Retention Criteria

Ā  STAR SUPERSTAR
Ā (Applicable to users onboarded via IndusInd Bank branch)
MEGASTAR
Minimum Balance Requirement (effective from 23rd Jan 2024) ā‚¹0 1. ā‚¹25,000 or more in SA
2. ā‚¹1,00,000 or more in SA+FD
1. ā‚¹50,000 or more in SA
2. ā‚¹2,00,000 or more in SA+FD

Tier Benefits

Ā  STAR SUPERSTAR
Ā (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 PlatinumĀ  Visa Platinum Visa SignatureĀ 
Mark-up on Debit Card transactions in Foreign Currency 2% 2% 0% (Only on VISA Signature Debit Card)Ā 
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 ā‚¹250 (Applicable twice per quarter, only for users onboarded via IndusInd Bank branches) Buy one ticket and Get one free upto ā‚¹400 (Applicable once per month, Only on VISA Signature Debit Card)Ā 
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 ā‚¹500 or more on eligible categories (max. 200 Gems per calendar month) 25 Gems on each bill payment of ā‚¹500 or more on eligible categories (max. 200 Gems per calendar month) 50 Gems on each bill payment of ā‚¹500 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 MonthlyĀ 
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.Ā 

Debit Card & ATM Charges (Domestic)

Ā  STAR SUPERSTAR
Ā (Applicable to users onboarded via IndusInd Bank branch)
MEGASTAR
First Physical Debit Card Dispatch in your Respective Tier ā‚¹499 ā‚¹0 for users onboarded via IndusInd Bank branches No Charges (Only on VISA Signature Debit Card)
Debit Card Replacement fee ā‚¹150 ā‚¹150 ā‚¹150
Physical Debit Card Annual Renewal Fee ā‚¹499 ā‚¹0 for users onboarded via IndusInd Bank branches and ā‚¹249 for users onboarded via IndusInd Bank Mobile Banking appĀ  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, ā‚¹11 per transaction First 5 transactions per month are free. Post 5, ā‚¹11 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, ā‚¹21 per transaction First 5 transactions per month are free. Post 5, ā‚¹21 per transaction Unlimited free transactions (Only on VISA Signature Debit Card)

Debit Card & ATM Charges (International)

Ā  STAR SUPERSTAR
Ā (Applicable to users onboarded via IndusInd Bank branch)
MEGASTAR
Non financial transactions - Other ATMs outside India ā‚¹20 per txn ā‚¹20 per txn ā‚¹20 per txn
Cash Withdrawals - Other Bank ATMs outside India ā‚¹125 per withdrawal

ā‚¹125 per withdrawal

ā‚¹125 per withdrawal
Foreign Currency Exchange Mark Up Fee 2% 2% 0% (Only on VISA Signature Debit Card)

Ā 

Ā  STAR SUPERSTAR
Ā (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

Cross Border Payments and Transactions

Ā  STAR SUPERSTAR
Ā (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 ā‚¹100

ā‚¹100

ā‚¹100
Outward Remittance ā‚¹250 + swift charges ā‚¹250 + swift charges ā‚¹250 + swift charges
SWIFT/ Wire Transfer ā‚¹500 ā‚¹500 ā‚¹500
FCY (Foreign Currency) Draft /DD issuance ā‚¹350 ā‚¹350 ā‚¹350
FCY (Foreign Currency) Cheque Collection ā‚¹50 ā‚¹50 ā‚¹50

Line of Credit Charges

Ā  STAR SUPERSTAR
Ā (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 ā‚¹399 + GST

ā‚¹399 + GST

ā‚¹399 + 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

Cheque Book

Ā  STAR SUPERSTAR
Ā (Applicable to users onboarded via IndusInd Bank branch)
MEGASTAR
Issuance of Cheque Book ā‚¹100 + GST per chequebook (25 leaves) 1 Cheque Book per quarter (25 leaves) free. For every additional cheque book per quarter: ā‚¹100 + GST/- 1 Cheque Book per quarter (25 leaves) free. For every additional cheque book per quarter: ā‚¹100 + GST/-

INDIE Savings Account FAQs

  • Are there any minimum balance requirements?

    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.

  • What is a Virtual Debit Card?

    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.

  • How can I open a salary account with INDIE?

    • Download INDIE and Open your account using just PAN and Aadhaar
    • Complete your Video KYC
    • Share your account details with your company HR to start receiving your salary in your INDIE account
    • Get automatically upgraded to Megastar with your first salary credit (customers with min. salary credit of ā‚¹50,000 will be upgraded to Megastar)
  • What are the documents needed for Video KYC?

    You will need the following for completing your Video KYC

    • Aadhaar Card
    • Original PAN Card
    • A blank piece of paper with blue or black pen
  • What is the difference between a minimum KYC and Full KYC account?

    Here are the differences:

    Ā  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
  • How can I redeem my INDIE Gems and what are my limits?

    You can redeem your Gems from the Rewards section on the INDIE app by clicking on the ā€œRedeem nowā€ 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:Ā 

    Daily limit: 1500 INDIE GemsĀ 
    Monthly limit: 2500 INDIE GemsĀ 
    Yearly limit: 30000 INDIE GemsĀ 

    1 INDIE Gem = ā‚¹1

FD Rate FD Rate
FD Rate
Regular Fixed Deposit

up to 7.99% interest p.a

Senior Citizen

up to 8.49% interest p.a

BOOK FD