How does an 'EMV chip and PIN' credit card protect my card?

An 'EMV chip and PIN' credit card is a card which has a microchip embedded in it. The microchip stores details like your card number. The credit card PIN is in an encrypted format and only you know the PIN. These two concepts provide security against the misuse of your credit card.

Is there any extra fee I have to pay to get an 'EMV chip and PIN' credit card?

No, you do not have to pay any additional fee to get an 'EMV chip and PIN' credit card.

What do I do if I forget the PIN of my credit card?

If you forget your credit card PIN, you have to log into the IndusInd Bank netbanking portal and generate a new PIN. You can also request for a new credit card PIN by calling 1860 267 7777.

Will my credit card be blocked if I cross my credit limit?

No, the bank will not block your credit card when you cross your credit limit. If you do exceed the limit of your card, the bank will levy an over limit fee.

How do I update my registered mobile number and email address?

You can call 1860 267 7777 or even log into IndusNet and update your mobile number and email address.

IndusInd Credit Card Fraudulent Transactions

Updated On - 05 Sep 2025

When you receive an SMS or an email about a transaction made using your credit card, and notice that it is a fraudulent one, you should immediately bring it to the notice of the bank. IndusInd Bank allows you to directly block the credit card via net banking, or by using the bank's mobile app.

Keep in mind that before you call any phone banking number, you have to keep the following information ready:

Your credit card number.
The date on which the unauthorised transaction happened.
The amount of money that you lost through the fraud.
The type of transaction, i.e., you should let the bank know if your card was used for making an online purchase, or if the card was swiped at a retail store.

Block Your IndusInd Bank Credit Card or Report an Unauthorised Transaction

You can easily block your credit card, or report a fraudulent transaction through any of these methods:

Phone banking
Indus Net
The bank's mobile app
SMS

How to Block Your IndusInd Bank Credit Card via Phone Banking

You can call the IndusInd credit card customer care number at 1860 267 7777 and block your IndusInd Bank credit card.

How to Block Your IndusInd Bank Credit Card via Indus Net

First, log into the IndusNet portal, https://www.indusind.com/in/en/personal/login.html
Choose 'Service Requests'.
Now, select 'Credit Card Requests'.
Click on 'Credit Card Blocking Request'.
Select the credit card that needs to be blocked.
Now, click on 'Submit'.

How to Block Your IndusInd Bank Credit Card via the Bank's Mobile App

You have to first log into the app.
Choose 'Service Request'.
Now, click on 'Card Related Requests'.
Now, select the credit card that you want to block.
Choose the card related request and proceed.
Choose 'Block Credit Card'.

How to Block Your IndusInd Bank Credit Card Through SMS

You need to send an SMS in the below format to 5676757:
1. BLOCK (space)
Keep in mind that this message has to be sent from the mobile number you have registered with IndusInd bank.

IndusInd Bank Phone Banking Numbers

Segment	Within India	Outside India
All customers	1860 267 7777	022-44066666
Premium banking or credit cards	1860 267 7777	022-42207777

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FAQs on IndusInd Bank Credit Card Unauthorised Transaction

How does an 'EMV chip and PIN' credit card protect my card?
An 'EMV chip and PIN' credit card is a card which has a microchip embedded in it. The microchip stores details like your card number. The credit card PIN is in an encrypted format and only you know the PIN. These two concepts provide security against the misuse of your credit card.
Is there any extra fee I have to pay to get an 'EMV chip and PIN' credit card?
No, you do not have to pay any additional fee to get an 'EMV chip and PIN' credit card.
What do I do if I forget the PIN of my credit card?
If you forget your credit card PIN, you have to log into the IndusInd Bank netbanking portal and generate a new PIN. You can also request for a new credit card PIN by calling 1860 267 7777.
Will my credit card be blocked if I cross my credit limit?
No, the bank will not block your credit card when you cross your credit limit. If you do exceed the limit of your card, the bank will levy an over limit fee.
How do I update my registered mobile number and email address?
You can call 1860 267 7777 or even log into IndusNet and update your mobile number and email address.

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