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Features

Pinnacle Credit Card features

Please call 1860 267 7777 to get your Pinnacle Credit Card today and enjoy a host of exciting benefits.

Product overview

You didn’t get to where you are by settling for second-best. Others desired it; you deserved it. And why shouldn’t you? You demand perfection all around because you have earned it.

Presenting the IndusInd Bank Pinnacle Credit Card – a card meant for those for whom excellence is not an option but a habit.

Enjoy a luxurious range of unique travel, lifestyle, and golf privileges and say goodbye to the feeling that you’re not getting what you paid for.

Click here to get tips on how to secure your appointment with luxury.

Pinnacle Welcome

Welcome to the Pinnacle Life. A life that celebrates numerous privileges you’ve earned. A life that’s the envy of your peers. A life that’s a sign you’ve arrived.
The IndusInd Pinnacle Credit Card offers multiple rewards for embracing the Pinnacle Life. The best part? We offer a select collection of luxurious welcome gifts for you to choose from. Go ahead, indulge!

Oberoi Hotels

Experience bespoke luxury and fascinating holidays as you choose from a bouquet of luxurious Oberoi Hotels.

Our Oberoi gift voucher offers you a memorable stay with your family or friends. To book your holiday, please contact Oberoi Central Reservations (Toll free: 1 800 11 2030; Telephone: +91 11 2389 0606; Email: reservations@oberoigroup.com; Fax: +91 11 2389 0500).

Please note: These welcome gifts are available at select fee points only. Contact our phone banking assistance for any further details.

Click here for terms & conditions

Montblanc:

Experience Montblanc- a brand with the commitment to excellence and fine craftsmanship since 1906. Choose from an exquisite collection of watches, writing instruments, jewellery, leather goods and eyewear.

Mont Blanc stores now are located in 6 cities and we have 12 stores across the country.

Click here for terms and conditions

Luxe Gift Card:

Indulge in a world of extravagance with the Luxe Gift Card – One Card, Several Indulgences. Get access to more than 30 global luxury and premium brands with a presence of over 360 stores across 30 cities in India.

Please Click here for terms and conditions.

 

VOUCHAGRAM :

Yatra
Yatra.com is a leading online travel company in India and is committed to the mission of "creating happy travelers." Through their website www.yatra.com, mobile application and our other associated platforms, leisure and business travelers can explore, research, compare prices and book a wide range of services catering to their travel needs.

Click here for Terms and Conditions.

CHARLES & KEITH

Charles & Keith is a Singaporean fast fashion brand specializing in women's footwear and accessories. It offers high-end fashion with trendy designs without compromising on quality. 
Charles & Keith Gift Vouchers are redeemable at 150+ outlets across India. Gift Vouchers / Gift Cards can be used buy variety of Charles & Keith Shoes, Accessories & more at outlet. The great thing about this Gift Vouchers / Cards is that it can clubbed with any ongoing offers & discounts & even in end of the season sale. Go cashless & use Gift Vouchers for hassle free shopping.  Dress up and down with Charles and Keith.

Click here for terms and conditions.
Click here here for list of outlets.

Louis Philippe

For thirty years now, Louis Philippe has been delivering finessed formal apparel for the discerning gentleman. Louis Philippe offers both formal and casual clothing and accessories that balance contemporary style with the classic fit. Visit any one of the 1000+ stores along with Louis Philippe vouchers and you will get the same unmatched precision and comfort from their products, every time. 
So carry your Louis Philippe gift cards and walk out of the stores with products that complement your attitude. 

Click here for terms and conditions.
Click here here for list of outlets.

HUSH PUPPIES

Hush Puppies is the go-to footwear, accessory and apparel brand that delivers the right mix of timeless style, dependable comfort and quality. Since 1958, the brand has defined authentic casual style for generations of consumers around the world.

Click here for terms and conditions.
Click here here for list of outlets.

Urban Ladder

Furnish your home with Urban Ladder’s high quality and best in class furniture. Urban Ladder offers you the option to choose from 500+ design options so that your furniture speaks to your house. Beautify the interiors of your home with Urban Ladder gift vouchers and Urban Ladder gift card and choose from a wide range of decor, interior, dining, utility, storage and other furnishing options. Pick products from any segment using Urban Ladder e gift vouchers and e gift cards and get great deals on already running discounts.

Click here for terms and conditions.

Please note, above mentioned brands are available at specific fee options only.

 

Your welcome gift is subject to the conditions mentioned below:

  • Welcome Gift is subject to the customer complying with the conditions mentioned below.
  • The cardholder shall be eligible for the Welcome Gift on payment of the Joining fees or settlement of payment against joining fees.
  • The card holder will be sent an SMS from IndusInd Bank once he is eligible for a welcome gift within 10 working days of fee payment.
  • The card holder will then need to request for dispatch of the welcome gift within 30 days of receiving the SMS by contacting the Bank’s helpline number at 1860 0267 7777 or write to priority.care@indusind.com. Please note, welcome gift dispatch request received after the stipulated time period of 30 days will not be considered.
  • On receipt of request from the cardholder, SMS will be sent to his registered mobile number within 15 working days on the process to redeem the E-Gift Voucher.
Pinnacle Rewards

Our simplified Rewards program enables you to earn rewards faster and gives you two easy options to redeem them.

Earning points

Every time you use your IndusInd Bank Pinnacle Credit Card for business or pleasure, your reward points will grow.
2.5 Reward Points for every Rs.100 spent online (E-commerce transactions)
E-com travel and airline transactions will earn 1.5 reward points for every ₹100 spent, and E-com utility transactions will earn 1 reward point for every ₹100 spent.

1 Reward Point for every Rs.100 spent at the Point of Sale (POS) terminals

  • MoTo transactions, IVR transactions and Standing Instructions will be classified as Point of Sale Transactions

Redeeming points
You have earned the privilege to choose your luxuries. We have tailored our redemption options as per your discerning needs. Please see below:

IndusMoments Click here for the terms and conditions
Oberoi Hotels & Resorts stay vouchers Click here for the terms and conditions
Genesis luxury vouchers Click here for the terms and conditions
Airline miles on InterMiles Click here for the terms and conditions
Airline miles on Vistara Click here for the terms and conditions
Cash Credit Click here for the terms and conditions

Click here for generic terms and conditions and to get a step-by-step guide to redeem your reward points against any of the above redemption options.

  • The maximum number of reward points that can be redeemed in one statement cycle is 25,000 reward points for IndusInd Bank Pinnacle Credit Card for Cash Credit option.

Please note: From 1st April 2018, fuel transactions will not accumulate reward points on your card.

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

Pinnacle Golf

Pursue your passion for the sport at some of the most majestic golf clubs across the country, courtesy IndusInd Bank.*

As a privileged cardholder, you can enjoy complimentary golf games and lessons** especially hosted for you at leading golf clubs .If you would like to know more about the golf courses and book your complimentary round, our IndusInd Bank Concierge will be happy to help you.

*Golf Privileges are brought to you by IndusInd Bank in association with Apexlynx.
**The offer is subject to applicable terms and conditions.

Please click here for details and terms and conditions.

For the list of Clubs for Complimentary Green Fees and Golf lessons, please Click here.

Pinnacle Life

Enter the world of cinema and watch your favourite blockbusters with your loved ones.

As an IndusInd Bank Pinnacle Credit Card holder, you can enjoy movies with our ticketing partner BookMyShow and get two tickets for the price of one!

Here’s what you stand to gain:

  • Buy one movie ticket and get the second one absolutely free*
  • Every cardholder can avail of up to three free movie discounts in a month
  • Offer is valid on all theatres registered with BookMyShow across all major cities
  • Please log on to www.bookmyshow.com to book your tickets today

*The price of the free ticket is capped at ₹200. If the price is higher, cardholders will get a ₹200 discount, and the remaining amount must be paid using your IndusInd Bank Pinnacle Credit Card.

Click here for the terms and conditions.

Pinnacle Travel

We understand that travel is an integral part of your work life. After all, success takes one places! However, planning travel and being on the move can often be exhausting. IndusInd Bank brings you opportunities to relax so that your travel is more enjoyable and pleasant.

Along with various travel offers, we also give you access to 700+ lounges across the globe – just flash your complimentary Priority Pass.

Please note: Effective 1st April 2018, you are eligible for TWO complimentary visits in each calendar quarter to any of the participating international lounges outside India.

Click here for the terms and conditions.

Value offering

Annual membership Priority Pass cost Annual Benefit
Priority Pass Membership USD99 X 2 USD 198 (₹9,900 per annum approximately)

Travel Plus program

Our Travel Plus assist program is designed to enrich your travel experiences and add another level of comfort and luxury to your journeys.
Along with the access to 700+ VIP airport lounges around the world as part of the Priority Pass Program, you also enjoy special waivers on lounge usage charges outside India with Travel Plus.

Value Offering

Program Travel Insurance Lounge usage Enrolment fees Annual Saving
Travel Plus Yes Maximum of 8 lounge usage/year of value $27 ₹5000 per annum w.e.f. 15th Oct 2013 ₹12,960 approximately

Travel insurance cover
IndusInd Bank, in association with ICICI Lombard General Insurance Company Limited, provides cardholders with the following insurance cover as part of the program:

Insurance cover Sum assured (up to)
Lost baggage ₹100,000
Delayed baggage ₹25,000
Loss of passport ₹50,000
Lost ticket ₹25,000
Missed connection ₹25,000

Click here for the terms and conditions.

Pinnacle Assistance

Direct Connect
Privileged customers like you shouldn’t have to wait. Our exclusive Direct Connect service is designed to help you get instant assistance. Just call us on 1860 267 7777 from your registered mobile number, and we will promptly recognise you and connect you to a phone banking expert.

Priority Care
You can email us all your queries and concerns at priority.care@indusind.com

Pinnacle Concierge

With a lifestyle as busy as yours, we understand how important it is to get things done on time. Keeping this in mind, we have created a special 24-hour concierge service that offers various premium benefits. This complimentary service is led by a team of efficient managers around the world, who work to get you whatever it is you need. So just make a call, sit back, and relax. Our team has got you covered!

Our concierge offers you the following services:


Pre-trip assistance
Don’t have the time for extensive research before you leave? No more pre-trip worries. Get all the information you need to know about your travel destination, weather conditions, important landmarks, modes of transport etc.

Hotel reservations
Trust our concierge to handle all your reservations in the finest hotels across the world to ensure you have a pleasurable and comfortable stay.

Flight bookings
From finding the best deals to booking a convenient time slot, our concierge will make all the necessary flight arrangements to help you get to your desired destination.

Sports and entertainment booking
Whether it’s your favourite team’s football match in Europe or strawberries-and-cream at Wimbledon, our concierge can arrange tickets for any sports event worldwide.

Exclusive booking
If you’d like to know about special events such as workshops, or talks by eminent personalities, our concierge will provide you with all the information you need and make reservations on your behalf (whenever possible).


Flowers and gifts
Having trouble expressing your feelings? Say it with some flowers or extraordinary gifts! Whether you’d like to send flowers to a special someone, surprise your friend with a birthday cake, or gift Swiss watches or French wine to your business partners, our concierge will deliver it on time, every time!


We would be delighted to help you with these services. Please call our Concierge Desk at 1860 267 7777 and give us the opportunity to make you smile!

Auto Assist

Journeys are definitely more beautiful than the destination. And we don’t want you to miss out on the joys of a happy and pleasant journey. When you’re on the road with your family or friends, there are many things that can go wrong and interrupt your journey.

But not when you have Auto Assist from IndusInd Bank. Whether it’s a flat tyre, an unexpected vehicle breakdown, or any other emergency, Auto Assist is at hand.


With your IndusInd Bank Pinnacle Card, you can now call for help 24x7, all 365 days.

Roadside repair service
In case your vehicle breaks down on the road due to any mechanical or electrical problems, Auto Assist can arrange for a mechanic to repair your vehicle at the breakdown location.

Emergency fuel supply
In case your vehicle gets stranded due to lack of fuel, Auto Assist will deliver five litres of fuel to your location to help you get to the next fuel station with ease.

Flat tyre services
Have a flat tire in the middle of the road? Call our Auto Assist and get a mechanic to fix it at the earliest!

Lost keys
Can’t find your keys? Left them in your car? Auto Assist will arrange for a locksmith to either make a new key or open your car immediately.

Battery service
Facing battery issues? Call Auto Assist to offer battery repair services at your vehicle’s breakdown location.

Emergency towing assistance
In case of a breakdown, if your car needs to be towed, our Auto Assist will arrange for a towing service to take your car to the appropriate repair shop.

Accident management and medical assistance
In the unfortunate event of an accident or any emergency, Auto Assist will help you by coordinating necessary help – 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.
When you lead the Pinnacle Life, you can be safe and worry-free, wherever you go.

For further details, please call our Concierge Desk at 1860 267 7777

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

Pinnacle Freedom

Celebrate freedom from surcharge at fuel stations. Enjoy a waiver* of 1% on fuel surcharge at any fuel station in India.

Value offering

Petrol surcharge waiver Monthly savings Annual savings
Monthly fuel usage @ ₹8000 ₹80 ₹960

The information given in the value offering is based on certain assumptions and is for illustration purpose only. Actual savings will vary as per your usage.

*Click here for terms and conditions

Pinnacle Assurance

Total Protect

With the rising popularity of online transactions and digital payments, fraudulent use of credit cards has become a major concern for cardholders. With IndusInd Bank you don’t need to worry. ‘Total Protect’ is a first-of-its-kind program that covers you for a sum up to the credit limit on your credit card and is available on add-on cards as well. Carry your cards with complete peace of mind and use them securely with our Total Protect program.

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 possible for your card or card details to be stolen and used unscrupulously to produce a counterfeit card. We offer you insurance to protect yourself against such incidents.
Conditions apply.

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

Air accident cover
The IndusInd Bank Pinnacle Credit Card gives you a complimentary personal air accident insurance cover of up to ₹25 lakh.

With IndusInd Bank around to lend you a helping hand, you have very little to worry about. Celebrate the Pinnacle Life with complete peace of mind.

*Click here for terms and conditions.

MasterCard Offers

Master pinnacle credit card offers

Pinnacle MasterCard Lounge Access

Here’s inviting you to embark upon a luxury travel experience like never before. With your IndusInd Bank Pinnacle MasterCard Credit Card, you get access to domestic and international airport lounges in India that welcome you into a world of exclusivity. Choose from an assortment of gourmet meals, relax and sink into comfortable seating and enjoy free Wi-Fi, widescreen televisions and bar services. What’s more, you get complimentary lounge visits per quarter on your IndusInd Bank Pinnacle MasterCard Credit Card.

Please note: From 1st April 2018 onwards, you can avail 1 complimentary visit every 3 months in any of the participating domestic lounges on your IndusInd Bank Pinnacle Credit Card.

Click here for terms and conditions

Value Table

Pinnacle credit card rates value

Annual Estimation
Pinnacle Privileges Savings on Market Value
Priority Pass Membership you can share with your partner $99 x 2Rs. 13,266
4 Golf sessions on us in a month at any of the select prestigious clubs (assuming Rs. 2,250 green fees per 18-hole round) Rs. 108,000
Golf lessons and Hole-in One insurance Rs. 23,000
Catch the latest flicks with complimentary tickets thrice a month Rs. 7,200
Save on fuel surcharge## Rs. 2,400
Reward points to be earned on an average spend of Rs. 30,000 per month (450 points per month) Rs. 5,400
Total Savings Rs. 159,266
*The above illustration is based on hypothetical estimate of expenses.
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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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Terms & Conditions:

Do I need to pay when I use the Auto Assist?
You do not need to pay for arrangement, however all expenses including labor charges or any repair charges, need to be paid to the mechanic.

How long does it normally take for the mechanic to come to me in the time of emergency?
The Auto Assist service is on a best efforts basis, and the time would depend on the location of the vehicle. However, normally it would take about 30 to 45 minutes to reach you within city limits and about one to one and half hour to reach you if you are outside city limits.

What number do I call if I want to use the Auto Assist service?
You need to call the Concierge Service on 1860 267 7777 for Auto Assist.

What all cities is the Auto Assist service available?
The Auto Assist service is available in Delhi, Mumbai, Kolkata, Chennai and Bangalore.

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Terms and conditions:

  • Waiver of 2.5% fuel surcharge is applicable on transactions between INR 400/- to INR 4000/- only the waiver is applicable across all petrol pumps in India.
  • The waiver can be availed only when payment is made through the IndusInd Bank Credit Card.
  • IndusInd Bank reserves the right to impose a cap on the maximum value or number of fuel transactions permitted in a month on the credit card.

* Please note that service tax levied on fuel surcharge (if any) will not be waived and will need to be borne by the cardholders

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Terms and conditions:
Lost Card Liability

  • All PIN based transactions(like ATM, Internet and telephone etc) are not covered.
  • Pre-delivery fraud not covered.
  • 2 days (includes reporting day)pre-reporting and 7 days (Includes reporting day) post reporting claimsare covered.
  • Claim has to be reported byCard holder within 15 days from the date of loss in case of card to beadmissible for claim.
  • Insurance benefit would beavailable only to Active card users. An active card is defined as the cardwith one transaction/ activity on any POS terminal in last 6 months fromdate of loss.
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Terms and conditions
Personal Accident (AIR):

  • Cover: Accidental death due to air accident.
  • In the event of insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefits (highest sum insured)
  • Card should have been used at least once for retails purchase in 90 days before date of loss.
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You are just a phone call away from a relaxed tomorrow.
Protect your Credit Card with the Card Protection Program
In order to ensure safety of your credit cards, we bring to you the Card Protection Plan - to safeguard you in the event of , loss , theft or misuse of your IndusInd Bank Credit Cards . As is known, "Better safe than sorry", choose your Card Protection Plan today.

  Classic Premium Platinum
One free call to block all cards
24- hour toll-free number Yes Yes Yes
Worldwide cover Yes Yes Yes
Tele-registration line Yes Yes Yes
Emergency travel & hotel assistance
Hotel assistance (Overseas ) INR 80,000 INR 1,20,000 INR 1,60,000
Hotel assistance (In India) INR 40,000 INR 60,000 INR 80,000
Replacement travel tickets (Overseas) INR 80,000 INR 1,20,000 INR 1,60,000
Replacement travel tickets (In India) INR 40,000 INR 60,000 INR 80,000
Emergency cash assistance (In India) Nil INR 20,000 INR 20,000
Fraud Protection
Pre-notification* INR 50,000 INR 1,00,000 INR 150,000
Maximum limit per card INR 20,000 INR 40,000 INR 60,000
Post-notification INR 15 lakh INR 20 lakh INR 25 lakh
Other benefits
Reminder stickers Yes Yes Yes
Card ordering service Yes Yes Yes
Valuable document registration Yes Yes Yes
CPP key fob and retrieval service Yes Yes Yes
Free PAN card replacement service Yes Yes Yes
Lost mobile phone reporting service (SIM blocking) Yes Yes Yes
Mobile phone identifier (IME)registration service Yes Yes Yes
Foreign language interpreter assistance Nil Nil Yes
Membership fee ( annual )
Single INR 1,145 INR 1,495 INR 1,745
Joint INR 1,745 INR 2,245 INR 2,645
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FAQ's for EMV

What is EMV?

EMV stands for Europay, MasterCard and Visa. It is the international standard for chip based payment cards to ensure the highest security level for Credit Card transactions.

What is the IndusInd Bank EMV Credit Card?

IndusInd Bank EMV Credit Card contains an embedded microchip on the face of the card. The customer data embedded in the microchip is extremely difficult to copy or counterfeit. Chip technology is designed to take security to the next level by giving you a secure environment to transact. For better acceptability across merchants, IndusInd Bank EMV chip Credit Card will also contain a magnetic stripe on the reverse of the card to ensure swipe transactions.

What are the benefits of the IndusInd Bank EMV Credit Card?

With the EMV chip technology, all the data that was stored on the magnetic strip will be additionally embedded on the chip. A Credit Card with a chip is more secure and reliable than the one with just the magnetic stripe on the reverse of the card, as it is difficult to copy customer details from an embedded chip. This safeguards the Credit Card from skimming frauds.

How do I use the IndusInd Bank EMV Credit Card?

Making a purchase with the IndusInd Bank EMV Credit Card is easy and secure. You may see minor differences in how your chip Credit Card is processed while making purchases. As part of the transition to chip, over the next few years more and more in-store payment terminals will be updated to accept chip enabled cards. For your convenience, the chip Credit Cards will continue to have the magnetic stripe on the reverse of the card. This will enable you to use your chip card at merchants who don’t have chip terminals – by swiping your card and signing the receipt. However, we would urge you to use your IndusInd Bank EMV Credit Card only at the merchant establishments who use EMV Chip terminals, for safety from skimming frauds.

How will I use the IndusInd Bank EMV Credit Card on a chip (POS – point of sale) terminal?

At a chip terminal, you simply:

  • Insert your Credit Card into the chip slot
  • When your transaction is completed, remove your card from the chip slot and take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How will I use the IndusInd Bank EMV Credit Card on a non-chip (POS point of sale) terminal?

At some merchants your chip Credit Card will be used the same way as your Credit Card with the magnetic stripe :

  • The card is swiped through the EDC machine at the merchant outlet
  • When your transaction is completed, take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How is IndusInd Bank EMV Credit Card different from what I use today?

When you make a transaction at a chip terminal, you insert your chip card into the terminal. Your IndusInd Bank EMV Chip Credit Card stays in the terminal until the transaction is complete. Transacting with the card using the chip should be a priority over using the magnetic stripe at the back of the card, since the security chip makes the transaction more secure.

Will the magnetic stripe be removed from IndusInd Bank EMV Credit Cards?

Chip cards will continue to have a magnetic stripe on the back. This will ensure that the chip cards are accepted at merchants and in other countries that have not moved to the chip technology (such as the United States).

What if the IndusInd Bank EMV Credit Card does not work at a merchant having a chip terminal?

IndusInd Bank EMV Credit Card will work on all terminals at all merchant locations around the world. However if the EMV chip card doesn’t work at a particular terminal, the merchant will have to do the following

  • Swipe the magnetic stripe at the back of the card on the chip terminal (This is known as a fallback transaction when the chip card inserted in the chip terminal slot doesn’t work)
  • Please note that we have restricted the number of fallback transactions allowed, to a maximum of three attempts on your Credit Card to minimize the possibility of misuse on your card. If the number of attempts is exceeded beyond the allowable limit, your Credit Card will be temporarily blocked. You need to call the IndusInd Bank Phonebanking number: 1860 267 7777 to unblock your IndusInd Bank EMV Credit Card.
  • If the card still doesn’t work, the merchant terminal could be faulty. Please request the merchant to use the IndusInd Bank EMV Credit Card at another chip terminal (if possible of another acquiring bank than the one used earlier) If both the above options do not work, please contact us at our 24X7 phonebanking number 1860 267 7777.
What if my IndusInd Bank EMV Credit Card is lost or stolen?

Please report the loss to us immediately on 1860 267 7777 / +91 22 4220 7777 and our phone banking officers will block your Credit Card immediately.

Can I use the IndusInd Bank EMV Credit Card outside India?

Yes. IndusInd Bank EMV Credit Cards can be used at any merchants around the world where your Credit Card is accepted today.

How does chip technology work for online and mail order/ IVR (Interactive Voice Response) transactions?

Online transactions will function the same way as they do today.
For online Credit Card transactions, a VBV (Verified by Visa) password will be required to complete the transaction the process will remain as it exists today.
For Mail order & Telephone transactions, effective 1st February 2011 a 6-digit OTP (One Time Password) is required and will be applicable for chip cards as well.

Can a Chip Card be compromised?

A compromise of your card means the card information has been copied and a fraudster is trying to access your account. As of now, we have not observed any compromise of a chip Credit Card as the security chip makes it difficult to copy the Credit Card details. This would be possible only if you continue to swipe the magnetic stripe of your IndusInd Bank EMV Credit Card at a merchant terminal instead of inserting the chip card to complete your transaction.

Which Shopping outlets have the Chip- Enabled terminals?

Most of the merchants have chip-enabled terminals. In case the merchant doesn’t have chip enabled terminal, the card can be swiped for transactions.

Can the Chip Credit Card be used to withdraw cash?

Yes, you will be able to use your EMV chip card at the ATM’s as usual.

How do I make the payment for the chip Credit Card usage?

You can make chip card payment through online banking/ECS set up on your Bank account, Cash, Cheque, , Net Banking, etc. The process is the same as in case of other IndusInd Bank Credit Cards.

Is the IndusInd Bank EMV Credit Card durable?

The IndusInd Bank EMV Credit Card should withstand normal wear and tear and the chip should last as long as the card is valid. However, you should take steps to ensure your card is protected to ensure longevity.

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Terms and conditions:

Lost Card Liability

  • All PIN based transactions (like ATM, Internet and telephone etc) are not covered.
  • Pre-delivery fraud not covered.
  • 2 days (includes reporting day) pre-reporting and 7 days (Includes reporting day) post reporting claims are covered.
  • Claim has to be reported by Card holder within 15 days from the date of loss in case of card to be admissible for claim.
  • Insurance benefit would be available only to Active card users. An active card is defined as the card with one transaction/ activity on any POS terminal in last 6 months from date of loss.

Counterfeit card liability:

  • Claim has to be reported by cardholder within 15 days from the date of issue of statement containing the disputed counterfeit transaction.
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Terms and conditions
Personal Accident (AIR):

  • Cover: Accidental death due to air accident.
  • In the event of insured having multiple cards, the personal accident claim would be payable on one card only, with maximum benefits (highest sum insured)
  • Card should have been used at least once for retails purchase in 90 days before date of loss.
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You are just a phone call away from a relaxed tomorrow.
Protect your Credit Card with the Card Protection Program
In order to ensure safety of your credit cards, we bring to you the Card Protection Plan - to safeguard you in the event of , loss , theft or misuse of your IndusInd Bank Credit Cards . As is known, "Better safe than sorry", choose your Card Protection Plan today.

  Classic Premium Platinum
One free call to block all cards
24- hour toll-free number Yes Yes Yes
Worldwide cover Yes Yes Yes
Tele-registration line Yes Yes Yes
Emergency travel & hotel assistance
Hotel assistance (Overseas ) INR 80,000 INR 1,20,000 INR 1,60,000
Hotel assistance (In India) INR 40,000 INR 60,000 INR 80,000
Replacement travel tickets (Overseas) INR 80,000 INR 1,20,000 INR 1,60,000
Replacement travel tickets (In India) INR 40,000 INR 60,000 INR 80,000
Emergency cash assistance (In India) Nil INR 20,000 INR 20,000
Fraud Protection
Pre-notification* INR 50,000 INR 1,00,000 INR 150,000
Maximum limit per card INR 20,000 INR 40,000 INR 60,000
Post-notification INR 15 lakh INR 20 lakh INR 25 lakh
Other benefits
Reminder stickers Yes Yes Yes
Card ordering service Yes Yes Yes
Valuable document registration Yes Yes Yes
CPP key fob and retrieval service Yes Yes Yes
Free PAN card replacement service Yes Yes Yes
Lost mobile phone reporting service (SIM blocking) Yes Yes Yes
Mobile phone identifier (IME)registration service Yes Yes Yes
Foreign language interpreter assistance Nil Nil Yes
Membership fee ( annual )
Single INR 1,145 INR 1,495 INR 1,745
Joint INR 1,745 INR 2,245 INR 2,645

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FAQ's for EMV

What is EMV?

EMV stands for Europay, MasterCard and Visa. It is the international standard for chip based payment cards to ensure the highest security level for Credit Card transactions.

What is the IndusInd Bank EMV Credit Card?

IndusInd Bank EMV Credit Card contains an embedded microchip on the face of the card. The customer data embedded in the microchip is extremely difficult to copy or counterfeit. Chip technology is designed to take security to the next level by giving you a secure environment to transact. For better acceptability across merchants, IndusInd Bank EMV chip Credit Card will also contain a magnetic stripe on the reverse of the card to ensure swipe transactions.

What are the benefits of the IndusInd Bank EMV Credit Card?

With the EMV chip technology, all the data that was stored on the magnetic strip will be additionally embedded on the chip. A Credit Card with a chip is more secure and reliable than the one with just the magnetic stripe on the reverse of the card, as it is difficult to copy customer details from an embedded chip. This safeguards the Credit Card from skimming frauds.

How do I use the IndusInd Bank EMV Credit Card?

Making a purchase with the IndusInd Bank EMV Credit Card is easy and secure. You may see minor differences in how your chip Credit Card is processed while making purchases. As part of the transition to chip, over the next few years more and more in-store payment terminals will be updated to accept chip enabled cards. For your convenience, the chip Credit Cards will continue to have the magnetic stripe on the reverse of the card. This will enable you to use your chip card at merchants who don’t have chip terminals – by swiping your card and signing the receipt. However, we would urge you to use your IndusInd Bank EMV Credit Card only at the merchant establishments who use EMV Chip terminals, for safety from skimming frauds.

How will I use the IndusInd Bank EMV Credit Card on a chip (POS – point of sale) terminal?

At a chip terminal, you simply:

  • Insert your Credit Card into the chip slot
  • When your transaction is completed, remove your card from the chip slot and take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How will I use the IndusInd Bank EMV Credit Card on a non-chip (POS point of sale) terminal?

At some merchants your chip Credit Card will be used the same way as your Credit Card with the magnetic stripe :

  • The card is swiped through the EDC machine at the merchant outlet
  • When your transaction is completed, take your receipt, sign on the merchant copy and give the same back to the merchant. Retain your copy for future reference
How is IndusInd Bank EMV Credit Card different from what I use today?

When you make a transaction at a chip terminal, you insert your chip card into the terminal. Your IndusInd Bank EMV Chip Credit Card stays in the terminal until the transaction is complete. Transacting with the card using the chip should be a priority over using the magnetic stripe at the back of the card, since the security chip makes the transaction more secure.

Will the magnetic stripe be removed from IndusInd Bank EMV Credit Cards?

Chip cards will continue to have a magnetic stripe on the back. This will ensure that the chip cards are accepted at merchants and in other countries that have not moved to the chip technology (such as the United States).

What if the IndusInd Bank EMV Credit Card does not work at a merchant having a chip terminal?

IndusInd Bank EMV Credit Card will work on all terminals at all merchant locations around the world. However if the EMV chip card doesn’t work at a particular terminal, the merchant will have to do the following

  • Swipe the magnetic stripe at the back of the card on the chip terminal (This is known as a fallback transaction when the chip card inserted in the chip terminal slot doesn’t work)
  • Please note that we have restricted the number of fallback transactions allowed, to a maximum of three attempts on your Credit Card to minimize the possibility of misuse on your card. If the number of attempts is exceeded beyond the allowable limit, your Credit Card will be temporarily blocked. You need to call the IndusInd Bank Phonebanking number: 1860 267 7777 to unblock your IndusInd Bank EMV Credit Card.
  • If the card still doesn’t work, the merchant terminal could be faulty. Please request the merchant to use the IndusInd Bank EMV Credit Card at another chip terminal (if possible of another acquiring bank than the one used earlier) If both the above options do not work, please contact us at our 24X7 phonebanking number 1860 267 7777.
What if my IndusInd Bank EMV Credit Card is lost or stolen?

Please report the loss to us immediately on 1860 267 7777 / +91 22 4220 7777 and our phone banking officers will block your Credit Card immediately.

Can I use the IndusInd Bank EMV Credit Card outside India?

Yes. IndusInd Bank EMV Credit Cards can be used at any merchants around the world where your Credit Card is accepted today.

How does chip technology work for online and mail order/ IVR (Interactive Voice Response) transactions?

Online transactions will function the same way as they do today.
For online Credit Card transactions, a VBV (Verified by Visa) password will be required to complete the transaction the process will remain as it exists today.
For Mail order & Telephone transactions, effective 1st February 2011 a 6-digit OTP (One Time Password) is required and will be applicable for chip cards as well.

Can a Chip Card be compromised?

A compromise of your card means the card information has been copied and a fraudster is trying to access your account. As of now, we have not observed any compromise of a chip Credit Card as the security chip makes it difficult to copy the Credit Card details. This would be possible only if you continue to swipe the magnetic stripe of your IndusInd Bank EMV Credit Card at a merchant terminal instead of inserting the chip card to complete your transaction.

Which Shopping outlets have the Chip- Enabled terminals?

Most of the merchants have chip-enabled terminals. In case the merchant doesn’t have chip enabled terminal, the card can be swiped for transactions.

Can the Chip Credit Card be used to withdraw cash?

Yes, you will be able to use your EMV chip card at the ATM’s as usual.

How do I make the payment for the chip Credit Card usage?

You can make chip card payment through online banking/ECS set up on your Bank account, Cash, Cheque, , Net Banking, etc. The process is the same as in case of other IndusInd Bank Credit Cards.

Is the IndusInd Bank EMV Credit Card durable?

The IndusInd Bank EMV Credit Card should withstand normal wear and tear and the chip should last as long as the card is valid. However, you should take steps to ensure your card is protected to ensure longevity.

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Safety Tips on your Credit Card

DO NOT

  • DO NOT leave your Credit Card unattended.
  • DO NOT disclose your ATM PIN/TPIN/NET BANKING PASSWORDS/OTP/CVV/VBV/MASTER SECURE PASSWORDS to anyone.
  • DO NOT seek help from strangers at the ATM even if offered voluntarily.
  • DO NOT hand over your Credit Card to any individual other than a merchant when making a purchase.
  • DO NOT handover your credit card to anyone claiming to be a representative of a Bank/VISA/Master Card or any organization.

DO

  • DO check the identity proof of the sales executive while applying for a card or loan or handing over your documents.
  • DO Check your application status after applying for any card or loan by calling the respective bank's helpline number
  • DO Pay attention to all alerts sent by the bank especially transaction alerts or address/mobile number change alert etc. Please inform the Bank immediately on any discrepancy.
  • DO Keep your Credit Card in the same place in your wallet/purse so that you notice it immediately if it is missing.
  • DO memorize your Personal Identification Number (PIN) and change it on a regular basis, destroy any physical documents of the PIN mailer.
  • DO Change your net banking passwords frequently.
  • DO Inform the Bank immediately, if there is any change in your mobile number, address etc. provided to the Bank.
  • DO ensure that the merchant processes the transaction on your credit card in your presence.
  • DO Verify that, on completion of the transaction, the Credit Card returned to you by the merchant, is yours.
  • DO check receipt of your monthly Credit Card statements. If you do not receive your Credit Card statement, contact our helpline number to check if the appropriate address is updated.
  • DO Keep the Bank's Helpline/Customer care number handy to enable immediate calling for any assistance/exigency.
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Safety Tips on your Credit Card

Redemption against Cash Credit

You can now convert your reward points into cash credit and use them to pay the outstandings on your card.

Your reward points will be converted into cash credit @ 1 reward point = Re. 1 of cash value.

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