Payback Credit Card Online

Payback Credit Card

  • The next-gen way to pay.



Unlock a world of multiple delights from all your day-to-day spending with IndusInd Bank PAYBACK Credit Card.

This Credit Card is specially designed to bring you the best of rewards from both IndusInd Bank and PAYBACK.

Get ready to PAY. Get REWARDED. ENJOY

Disclaimer: Dear Customer, we have discontinued this product for new sourcing, and same is only displayed as a reference for existing IndusInd Bank PAYBACK Credit Cardholders. You may choose to apply from our existing range of Credit Card products that match your lifestyle.


It gives us immense pride to introduce IndusInd Bank PAYBACK Credit Card, in partnership with PAYBACK. A Credit Card that rewards you each time you pay.

Payback Credit Card Features

  • Get rewarded with 1000 PAYBACK points as a Welcome Bonus on payment of a one-time Joining Fee of ₹ 249 + GST.
  • Get monthly benefits of up to ₹ 20,000* with complimentary PAYBACK PLUS membership for a year (With effect from 1st Dec 2020).
  • Get up to 10% Discount** year-round at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership.

*PAYBACK PLUS Terms & Conditions apply. Please visit for more details.

**Future Group Terms & Conditions apply. Please visit for more details.

(Welcome Bonus Points will be credited to your PAYBACK membership number within 30 working days of payment of Joining Fee.)

Please note: With effect from 1st Dec 2020, FPC membership will be not be applicable on new card issuances. Going forward all new issuances will be given complimentary PAYBACK PLUS membership. 

Drive smart with your IndusInd Bank PAYBACK Credit Card. Get a waiver* of 1% on fuel surcharge across all fuel stations in India.

Value Offering

Petrol Surcharge Waiver Monthly Savings Annual Savings
Monthly fuel usage @INR 8000 ₹ 80 ₹ 960

Please note: The value offering is for illustration purpose only. Actual savings will vary based on individual usage pattern.

Click here for terms and conditions

*Conditions apply.

When you’re always on the go, you need trusted assistance to help you out with routine as well as extraordinary tasks. At IndusInd Bank, our 24-hour complimentary concierge service is designed to match your premium lifestyle needs. Our efficient team is accessible from any corner of the world and can perform every service you may need for your business or pleasure. Just give us a call; we’ll handle the rest. You can sit back and relax!

Our concierge offers you:

Pre-trip Assistance Set your pre-trip worries and anxieties aside! Collect all the information you need to know before you go, feel absolutely equipped to enjoy your next destination! The concierge will provide you with all the information about your travel destination, weather, important landmarks, modes of transport etc.

Hotel Reservation Leave it to the concierge to handle all your reservations and to make arrangements in the finest of hotels across the world to ensure you have a pleasurable and comfortable stay.

Flight Booking
The concierge will make all the necessary flight arrangements to help you get to your desired destination.

Sports and Entertainment Booking
If you are interested in attending a sports event, the concierge is at your service to make sure you never miss out on your favourite event.

Exclusive Booking
Interested in attending special events like workshops or talks by eminent personalities? The concierge will provide you with all the information you need and also make reservations on your behalf (whenever possible).

Flowers and Gift
Need help arranging for a special gift, or want to send flowers to that special someone? We’ve got you covered. Leave it to the concierge without a worry. Now you can have gifts delivered to anyone, anywhere in the world. Whether it’s a Swiss watch or a bottle of French wine, the concierge will ensure that it is delivered at the earliest.

To avail of these services, please call our Concierge Desk at 1860 267 7777.

They say the journey is more important than the destination. And we’re here to make sure that nothing robs you of this priceless experience.

When on your road trip, there could be umpteen interruptions to your journey. It could be an unexpected flat tyre, an unforeseen vehicle breakdown, or any other emergency. But there’s no reason to worry. Auto assist will kick into action right away and resolve your problem. All you need to do is give us a call.

With your IndusInd Bank PAYBACK Credit Card, you can now call for help round the clock, all through the year.

Roadside Repair Service
In the event that your vehicle breaks down on the road due to any mechanical/electrical fault, Auto Assist will arrange for a mechanic to repair your vehicle at the location.

Emergency Fuel Supply
Is your vehicle stranded because it ran out of fuel? Not a problem! Auto Assist shall arrange to deliver fuel (up to five litres) to your location to get you to the nearest fuel station.

Flat Tyre Services
If you have a flat tyre, Auto Assist shall arrange for a mechanic to come and repair or replace the tyre.

Lost Keys
Accidentally locked yourself out of your car? Or lost your keys while travelling? Relax. Auto Assist can arrange for a locksmith to come and either make a new car key or open your car door for you.

Battery Service
Is your car battery dead or malfunctioning? Auto Assist to the rescue once again! We can arrange for a service provider to come to the spot and fix it.

Emergency Towing Assistance
In case of a breakdown where the car needs to be towed, Auto Assist shall arrange for a towing service to tow your car to a garage for repairs.

Accident Management and Medical Assistance
In the unfortunate event of an accident or emergency, Auto Assist can help you by coordinating necessary activities, including emergency message transmission, arranging for emergency medical assistance, and towing of vehicles.

Auto Assist services are available in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata.

Travel safe and stay worry-free wherever you go, because we’ve got you covered at every step!

For further details please call the Concierge Desk at 1860 267 7777.

*Click here for terms and conditions of the applicable insurance policy.

Total Protect
Are you afraid of your card falling into the wrong hands? Relax! Fraudulent use of your card is not a threat anymore. ‘Total Protect’ is a first-of-its-kind program that covers you for an amount equal to the credit limit on your card and is available on add-on cards as well. So you have no reason to worry about fraudulent transactions on your card.

Total Protect covers you for the following:
Unauthorised transactions in case of loss/theft of card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your card to IndusInd Bank.

Counterfeit fraud:
It is remotely possible for your card or card details to be stolen and used to produce counterfeit cards. We offer you insurance to protect yourself against such incidents.

*Click here for terms and conditions of the applicable insurance policy.

Air Accident Cover
With the IndusInd Bank PAYBACK Credit Card, you also get a complimentary Personal Air Accident Insurance cover of up to Rs 25 lakh.

With IndusInd Bank around to lend you a helping hand, you have very little to worry about!

*Click here for terms and conditions.


Contactless Card Features

IndusInd Bank PAYBACK Credit Card is a chip based contactless Credit Card. This Card has a contactless feature that enables you to make fast, convenient and secure everyday purchases by simply tapping your Credit Card at merchant locations where contactless payment is accepted. It can also be used at millions of Merchant locations where standard Card payments are accepted. Use your IndusInd Bank PAYBACK Credit Card to purchase goods at merchant establishments, for travel, for making payments online/ e-commerce websites and withdraw cash in India as well as across the globe.

Use of IndusInd Bank PAYBACK Credit Card:

  • Faster day-to-day payments at merchant locations accepting Contactless Payments.
  • Shopping at 10 lakh merchant outlets in India and over 30 million worldwide accepting Card Payments.
  • For booking movie tickets, utility bill payments, travel, other online purchases.
  • Safe online shopping and e-commerce transactions.
  • Flexibility of payment options at POS.

Click here for Merchant list accepting Contactless Payments.

Value Table

A Typical example of  your  spending pattern and the PAYBACK Points you earn
  Shopping, groceries, dinning Movies Others Fuel Spends Total spends
Monthly(INR) 15,000 600 4,000 2,000 21,600
Annual(INR) 1,80,000 7,200 48,000 24,000 2,59,200
PAYBACK points 9000 1,440 960   11,400
Overall  Points calculator and total value you get
Points on Overall spends 11,400
Welcome Offer¹ 1,000
Monthly Bonus Points² 6,000
Annual Bonus Points³ 4,000
Total PAYBACK Points 22,400
INR Value 5,600
Savings on fuel spends 240
Total Savings 5,840

1On Payment of Joining fee. ²On spending INR 20,000 in a month. 3On spending INR 2,00,000 in a membership year.

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