IndusInd Bank Debit Card: Types, Features, Benefits, Fees & Charges

It is a must to have an account with the bank to avail a debit card. The basic eligibility criteria to apply for IndusInd Bank debit card is mentioned below:

• You must be an Indian Resident
• You must have either a savings account or current account with IndusInd Bank

Note: The above-mentioned eligibility criteria are indicative. The type of debit card issued by the bank depends various factors, such as minimum account balance, type of account, etc.

Also read: IndusInd Bank Credit Card Eligibility Criteria

The features and benefits of IndusInd Bank debit cards vary from one card to another. Below mentioned are some of the general features and benefits of debit cards issued by IndusInd Bank:

• Similar to IndusInd Bank credit cards, you can avail benefits like cashback, reward points, complimentary lounge access, free movie tickets and more with your debit card
• IndusInd Bank debit cards comes with enhanced security for all your domestic and international transactions
• You can use IndusInd Bank net banking service to make bill payments, change pin, etc.
• IndusInd Bank debit card also offers exclusive EMI offers with no documentation, flexible repayment tenure, instant approvals, etc.
• You can easily access the funds available in your bank account

Most of the times, IndusInd Bank ATM card is provided when you open a savings account. You do not have to apply for a debit card separately. If by any chance, you haven’t received a debit card, you can apply for the same via online and offline modes. Follow the below-mentioned steps to apply for IndusInd Bank debit card.

How to Apply for IndusInd Bank Debit Card Online?

Step 1: Go to IndusInd Bank’s official website and click on the ‘Debit Cards’ section under ‘Products’.

Step 2: Choose a debit card from the list of cards and click on the ‘Apply Now’ button.

Step 3: Fill out an banking customer enquiry form by entering details, such as name, mobile number, PAN, date of birth and more.

Step 4: Submit the form and upload the required documents (if required).

Step 5: After submitting all the details and documents, you need to wait for 2-3 days for the verification. You will receive your debit card after a successful verification, and, along with the card, you will also receive your debit card PIN. You will be required to enter this PIN every time you make a transaction.

How to Apply for HDFC Bank Debit Card Offline?

To apply for IndusInd ATM Card offline, visit the nearest branch of the bank and fill out the application form. You need to submit relevant documents along with the application form. Once the form is submitted, it will be examined for approval. Post that, you will receive your debit card after 2-3 working days.

Once you receive your IndusInd Bank ATM Card, the next step is to activate your card. Below mentioned are a few ways through which you can activate your debit card:

• Through IndusInd Bank ATM: To activate your debit card offline, visit the nearest IndusInd Bank ATM , and enter the ATM PIN you received along with your debit card welcome kit. After entering the PIN, you need to change your PIN, and enter the new PIN to activate your debit card.
• IndusInd Bank Net Banking: To activate your debit card through net banking, log in to IndusInd Bank’s net banking portal and activate your debit card by generating an ATM PIN.
• Via Phone Banking: A phone banking PIN along with your debit card welcome kit is sent to you. You can activate your debit card through phone banking using that PIN. To do so call on the IndusInd Bank Debit Card customer care number and use that PIN for the verification. Once verification is done, follow the instructions given by IVR to activate your card.

IndusInd Bank Debit Card is directly linked with your bank account. Therefore, whenever you make a purchase, the amount will be deducted from your linked account. You can use your IndusInd Bank ATM Card for both online as well as offline purchases as per the below details:

Using IndusInd Bank Debit Card Offline:

To make any offline transaction, you are required to swipe your card at the POS machine. Then, you will be asked to enter a four-digit PIN to complete the transaction. After a successful transaction, you will receive a message on your registered mobile number regarding the amount deducted.

Using IndusInd Bank Debit Card Online:

To make any online transaction using your debit card, you need to enter the 16-digit debit card number, expiry date and three-digit CVV. Once all the details are entered, you will receive an OTP on your registered mobile number. Enter the OTP at the merchant’s site to complete the transaction. Similar to an offline transaction, the bank will notify regarding the transaction.

Q. What are the ways for IndusInd Bank Debit Card PIN generation?

IndusInd Bank Debit Card PIN generation can be done through various ways, such as net banking, SMS banking, by calling on the customer care number or visiting the nearest IndusInd Bank branch. You are required to generate a PIN in order to activate your debit card.

Q. How can I block my IndusInd Bank Debit Card?

In case your IndusInd Bank ATM Card is lost or stolen, you must immediately block it through below mentioned ways:

• SMS LOST DDMMYYYY to 9223512966 from your registered mobile number
• Call phone banking at 18602677777 to block your debit card
• Block your card by logging in to the IndusMobile app using your credentials

Q. I don’t have an account with the bank. Can I apply for IndusInd Bank Debit Card?

No, it is mandatory to have a savings or current account with the bank to apply for a debit card. Besides this, you must be an Indian resident to apply for a debit card. Your debit card is directly linked with your bank account and whenever you make a transaction, the money gets deducted from your linked bank account.

Q. What are the benefits of opting for IndusInd Bank Debit Card EMI?

Similar to IndusInd Bank Credit Card EMI, the bank provides the EMI on debit cards as well. You can avail the EMI option without any down payment along with short documentation process. Apart from this, once the loan is approved, the loan amount is instantly disbursed.

Q. Can I use my IndusInd Bank Debit Card for international transactions?

As per RBI’s mandate, all the newly issued debit cards can only be used for domestic ATM & merchant transactions at the time of issuance. In case you want  to activate the debit card for international transactions, you can call on IndusInd Bank’s customer care number from your registered mobile number. You can also do the same from IndusMobile App or using net banking service. You can also visit the nearest IndusInd Bank branch with original ID proof to get international transactions activated.