Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
IndusInd Bank offers a host of credit cards for its customers. Most of these cards come with a reward points programme. Through this programme, the cardholders can earn points whenever they spend money using their IndusInd Bank credit card. The bank has launched the Indus Moments portal which is an e-commerce platform wherein customers can redeem their accumulated reward points and shop as per their requirements.
The Indus Moments platform allows customers to redeem the reward points earned on their credit cards for more than 6,000 products divided into 8 different categories of products. Customers can use the reward points and their cards to make these purchases. In addition to that, some of the cards also offer the facility of converting the reward points into Air Miles.
IndusInd Bank Credit Card customers earn reward points whenever they spend money using their card to purchase a product or service. Cardholders can earn the following points on the credit cards issued by the bank.
| Credit Card | Reward Points | Spend Category |
|---|---|---|
| IndusInd Bank Indulge | 1.5 points for every Rs.100 | All transactions |
| IndusInd Bank Celesta | 1 point for every Rs.100 | Domestic transactions |
| 3 points for every Rs.100 | International transactions | |
| IndusInd Bank Crest | 1 point for every Rs.100 | Domestic transactions |
| 2.5 points for every Rs.100 | International transactions | |
| IndusInd Bank Pioneer Heritage | 1 point for every Rs.100 | Domestic transactions |
| 2.5 points for every Rs.100 | International transactions | |
| IndusInd Bank Pioneer Legacy | 1 point for every Rs.100 | Domestic transactions |
| 2.5 points for every Rs.100 | International transactions | |
| IndusInd Bank Pinnacle | 2.5 points for every Rs.100 | E-Commerce transactions |
| 1 point for every Rs.100 | Point of Sale terminals, MoTo, IVR and MoTo transactions, Standing Instructions | |
| 1 point for every Rs.100 | E-Commerce utility transactions | |
| 1.5 points for every Rs.100 | E-Commerce travel and airline transactions | |
| IndusInd Bank Legend | 1 point for every Rs.100 | Weekday transactions |
| 2 points for every Rs.100 | Weekend transactions | |
| IndusInd Bank Signature | 1.5 points for every Rs.100 | All transactions |
| IndusInd Bank Nexxt | 1 point for every Rs.150 | All transactions |
| IndusInd Bank Duo | 1 point for every Rs.150 | All transactions |
| IndusInd Bank Platinum | 1.5 points for every Rs.150 | All transactions |
| IndusInd Bank Iconia American Express | 1.5 points for every Rs.100 | Weekday transactions |
| 2 points for every Rs.100 | Weekend transactions | |
| IndusInd Bank Iconia Visa | 0.75 point for every Rs.100 | Weekday transactions |
| 1 point for every Rs.100 | Weekend transactions | |
| IndusInd Bank Platinum Select | 1 point for every Rs.150 | All transactions |
| Credit Card | Savings Points | Spend Category |
|---|---|---|
| IndusInd Bank Platinum Aura Edge | Up to 4X savings points for every Rs.100 - 0.5 point to 4 points | Select merchant categories |
| IndusInd Bank Platinum Aura | Up to 4X savings points for every Rs.100 - 0.5 point to 4 points | Select merchant categories |
Owners of IndusInd Bank Platinum Aura Credit Card earn savings points (instead of Reward points) when they spend money using their card. One savings point is equal to Rs.0.5 or 0.5 airline miles. The spending has been divided into 4 plans, which are listed below:
| Spend Category | Savings Points |
|---|---|
| Departmental Stores | 4 points |
| Electronic items or consumer durables | 2 points |
| Books | 1.5 points |
| Restaurant bills | 1.5 points |
| Other spends | 0.5 points |
| Spend Category | Savings Points |
|---|---|
| Grocery | 4 points |
| Mobile phone bills | 2.5 points |
| Insurance premium | 1.5 points |
| Electricity bills | 2.5 points |
| Medical | 1.5 points |
| Other spends | 0.5 points |
| Spend Category | Savings Points |
|---|---|
| Air tickets | 2.5 points |
| Hotel | 4 points |
| Car rental | 1.5 points |
| Railway tickets | 1.5 points |
| Other spends | 0.5 points |
| Spend Category | Savings Points |
|---|---|
| Departmental Stores | 2 points |
| Restaurant bills | 4 points |
| Pubs and Bars | 2 points |
| Movie ticket bookings | 1.5 points |
| Other spends | 0.5 points |
To redeem their reward points, IndusInd Bank credit cardholders have to contact the Phone Banking service of the bank and place a redemption request.
IndusInd Bank Credit Cardholders can also redeem their points online on the official website of Indus Moments by visiting www.indusmoments.com. There are two options for redeeming the points on this website. The first one is Redemption only and the second one is Redemption plus Shopping. Redemption plus Shopping, in simple words is the website’s points plus pay option.
If you are an IndusInd Bank InterMiles credit cardholder (Odyssey and Voyage), you can convert the reward points earned on your credit card against miles on partner airline services. For both the Odyssey and Voyage Series InterMiles credit cards, 100 reward points is equivalent to 100 InterMiles. You can follow the steps mentioned below the redeem your reward points:
IndusInd Bank credit cardholders can consider converting their reward points and/or savings points to cash credit and use the same to adjust their credit card outstanding bills. Each reward points are valued at the rate of Re.1 in cash value. You can follow the steps mentioned below the redeem your reward points for cash credit:
The Rewards Catalogue of the Indus Moments website is divided in to various categories. Some of these categories are being listed below:
Under each category, there are different products that cardholders can avail by redeeming their IndusInd Bank Credit Card reward points.
The following credit cards are eligible for the IndusInd Credit Card Rewards Programme under Indus Moments:
You can convert your IndusInd Bank reward points to cash credit. You can then use this cash credit to pay your pending credit card bill.
The purchase will be dependent on the options available on the official Indus Moments website. The purchases can be made in the form of redemption (only reward points) and redemption + purchase (reward points + payment for the difference).
IndusInd Bank offers the 6X Rewards Structure under which cardholders will be able to earn as much as 6 times in terms of reward points for eligible transactions.
You can get more information about IndusInd Bank Rewards Program from the website of the bank. You can also get the information from the bank’s customer care or any of their branches.
Yes, you can use the InterMiles that you have earned on your IndusInd Bank InterMiles Credit Card to book air tickets for someone else.
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