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 interest rate on this plan may be lower than the credit card’s interest rate.
    • The EMIs will be billed within the minimum amount due on your credit card statement.
    • You can pre-close this plan anytime you want.

    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. What is the processing fee charged on this credit card EMI plan?

      The processing fee charged will be 1/4th the transaction amount converted to this EMI plan. For example, if the transaction amount for conversion to this plan is Rs.2,500, then the processing fee charged will be Rs.625. However, note that the processing fee charged is a one-time fee charged in the immediate billing cycle. Once paid, you will only pay the EMIs for the rest of the tenure.

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

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

    5. 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.

    6. Can I make partial prepayments on this plan?

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

    7. 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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