Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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 reward 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

    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
    • Up to Rs.100- NIL
    • Rs.101 to Rs,500-Rs.100
    • Rs.501 to Rs.1,000-Rs.350
    • Rs.1,001 to Rs.10,000-Rs.550
    • Rs.10,001 to Rs.25,000-Rs.800
    • Rs.25,001 to Rs.50,000-Rs.1,100
    • More than Rs.50,000- Rs.1,300
    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

    1. 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.

    2. 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://www.payback.in/tnc/paybackplus to know more about the PAYBACK points that you earn.

    3. 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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