Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IndusInd Bank Credit Card EMI

    Convert your big-ticket purchases into instalment payment plans with IndusInd Credit Cards. The Indus Easy EMI (equated monthly instalment) plan allows you to convert purchases of a minimum amount of Rs.2,000 into instalments for up to 24 months.

    Features and Benefits

    Here are the important facets of the Indus Easy EMI Plan:

    • Convert purchases of Rs.2,000 and above into this instalment plan.
    • Choose from tenure options of 6 months, 12 months, 18 months, and 24 months. Additional tenures may be offered as per the discretion of the bank.
    • No documents to be submitted. You may also get a pre-approved facility depending on your credit limit.
    • Processing fee and interest charges will be applicable for converting purchases to this plan.
    • The EMIs will be billed within the minimum amount due on your credit card statement.
    • You can pre-close this plan anytime you want.

    Terms and Conditions

    Some of the terms and conditions of this plan are mentioned below:

    • Once you have opted for this plan, any request for change will attract a pre-closure fee of 3% on the outstanding amount on the loan.
    • In case you fail to any portion of the billed amount or do not pay your EMI by the due date, then the bank is liable to charge you a late payment fee and interest charges specified.
    • Once your EMI is running, you cannot close your credit card. However, if you choose to close it before you have cleared all the installments, the outstanding principal amount will be billed to your credit card where interest rates applicable will be charged.
    • The fee charged, tenure, etc. will be cardholder specific.
    • The bank reserves the right to alter or modify any of the terms and conditions related to this plan at any given time.
    • The cashback will be credited only after the EMI tenure has been completed.
    • Interest rate, processing fee, and other charges are subject to change and is at the discretion of the bank.

    How to Convert Purchases into Indus Easy EMI

    You can convert any transaction above Rs.2,000 into this credit card EMI plan within 45 days of making the purchase.

    There are two ways to enrol into this plan:

    FAQs on IndusInd Credit Card EMI

    1. How many transactions can I convert into this payment plan?

      You can convert up to 10 transactions into this EMI plan at a time.

    2. Can transactions on IndusInd add-on credit cards be converted to this plan?

      Yes. Transactions made on principal as well as add-on cards can be converted to this plan.

    3. How is the interest rate calculated on this plan?

      The interest rate on this plan is calculated on the monthly reducing balance.

    4. Do I have to pay a prepayment fee if I want to close this plan before the tenure ends?

      Yes. In case of prepayment, 3% of the outstanding amount will be applicable as a pre-closure fee.

    5. Can I make partial prepayments on this plan?

      No. Partial prepayments are not permitted under this EMI plan.

    6. What happens to the EMI plan if I cancel my order after converting the purchase?

      If you have cancelled your order and have received the full refund from the merchant, you need to inform IndusInd Bank on their 24-Hour customer service number and cancel the plan.


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