IndusInd PAYBACK Credit Card
The IndusInd Bank PAYBACK Credit Card allows you to enjoy benefits of IndusInd Bank and PAYBACK. You earn PAYBACK points every time you swipe the card. The joining fee of the card is Rs.249.
Key Highlights of the IndusInd PAYBACK Credit Card
- Get 1,000 PAYBACK points as a welcome gift when you pay the joining fee of the credit card.
- Get 5 PAYBACK points when you spend Rs.100 on dining.
- You get a waiver of 1% on the fuel surcharge. This is applicable on transactions between Rs.400 and Rs.4,000.
Features and Benefits of the IndusInd PAYBACK Credit Card
Welcome benefits:
- As a welcome gift, you get 1,000 PAYBACK points when you pay the joining fee.
- You get complimentary Future Privilege Membership which gets you get a discount of up to 10% at Central, Big Bazaar, FBB, e-Zone, Brand Factory and many more brands.
- You get complimentary PAYBACK PLUS Membership for one year which allows you to enjoy monthly benefits of up to Rs.20,000.
Milestone benefits:
- You get 500 PAYBACK points when you spend Rs.20,000 or more in one month.
- You earn 4,000 PAYBACK points when you spend Rs.2 lakh or more within your membership year.
Reward points benefits:
- Earn 5 PAYBACK points every time you spend Rs.100 on dining.
- Get 5 PAYBACK points for every Rs.100 that you spend on shopping and groceries.
- You get 20 PAYBACK points for every Rs.100 that you spend on movie tickets.
- Get 2 PAYBACK points on every Rs.100 that you spend on utilities, insurance and other miscellaneous categories*.
*You do not earn PAYBACK points for fuel expenses.
Fuel benefits:
- Get a 1% waiver on the surcharge for fuel transactions when you swipe the IndusInd PAYBACK Credit Card at any petrol station in India. The surcharge waiver is applicable on fuel transactions between Rs.400 and Rs.4,000.
Concierge service benefits:
- Pre-trip assistance
- Hotel reservation
- Flight booking
- Sports and entertainment ticket booking
- Exclusive booking
Auto assist benefits:
- Roadside repair service
- Emergency fuel supply
- Flat tyre services
- Lost car keys
- Battery service
- Emergency towing assistance
- Accident management and medical assistance
Insurance benefits:
- Air accident cover: You get a personal air accident insurance cover of up to Rs.25 lakh.
- Total Protect
- Unauthorised transactions in case of loss/theft of card
- Counterfeit fraud
IndusInd PAYBACK Credit Card Value Table
Shopping, groceries, dinning | Movies | Others | Fuel | Total spends | |
Monthly | Rs.15,000 | Rs.600 | Rs.4,000 | Rs.2,000 | Rs.21,600 |
Annual | Rs.1.8 lakh | Rs.7,200 | Rs.48,000 | Rs.24,000 | Rs.2,59,200 |
PAYBACK Points | Rs.9,000 | Rs.1,440 | Rs.960 | Rs.11,400 |
Summary of Reward Points You Can Earn on Your IndusInd PAYBACK Credit Card
Category | Reward Points |
Points on overall spends | 11,400 |
Welcome gift (on paying the joining fee) | 1,000 |
Monthly milestone bonus points (hen you spend Rs.20,000 or more in one month) | 6,000 |
Annual milestone bonus points (when you spend Rs.2 lakh or more in a year) | 4,000 |
PAYBACK points | 22,400 |
Rupee value | 5,600 |
Savings on fuel expenses | 240 |
Total Savings | 5,840 |
Fees and Charges of the IndusInd PAYBACK Credit Card
Type of Charge | Fee |
Joining fee | Rs.249 |
Annual fee | NIL |
Add-on credit card | NIL |
Interest | 3.83% per month (46% annually) |
Cash advance fee | 2.5% of the transaction amount, subject to a minimum of Rs.300 |
Overlimit charges | 2.5% of overlimit amount or Rs.500 |
Late payment |
|
Returned cheque | Rs.250 |
Balance enquiry charge at ATMs of other banks | Rs.25 |
Foreign currency mark-up fee | 3.5% |
Fee for cash payment at IndusInd Bank branch | Rs.100 |
Request for duplicate statement | Rs.100 per statement (over the last 3 months) |
Re-issue/replacement of credit card | Rs.100 |
Charge-slip request | Rs.300 |
Priority pass lounges | Up to $27 per person for every visit |
Machine Surcharge at ATMs | Enquire with IndusInd Bank |
Railway Booking Surcharge | As applicable |
GST | As announced by the Ministry of Finance, Government of India |
FAQs on IndusInd PAYBACK Credit Card
- How many days will it take for the bank to credit the welcome PAYBACK points to my account?
The welcome PAYBACK points will not be credited to your account, but to your PAYBACK membership number. This will take place within 30 working days of payment of the joining fee.
- I would like to know more about the PAYBACK points that I earn. Is there a website for the same?
Yes, you can visit https://zillionrewards.in/ to know more about the PAYBACK points that you earn.
- Which merchant outlets accept contactless payments where I can use the IndusInd Bank PAYBACK Credit Card?
You can visit this link see the list of merchants that accept contactless payments: https://www.indusind.com/content/dam/indusind-platform-images/home/pdf/NFC-merchant-list-dec2016.pdf
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