However, the bank also offers entry-level credit cards designed for consumers seeking affordable options with low joining and annual fees. Below mentioned are some of the best entry-level credit cards offered by IndusInd Bank.
IndusInd Bank Credit Card Against FD
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Rewards
0.40% rewards on all spends
Free vouchers of top brands
Redeem rewards against Airmiles
Joining Fee: ₹0+ Taxes
Annual/Renewal Fee: ₹0+ Taxes
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Shopping
Rewards
Up to 8X rewards on shopping
Free vouchers on top brands
Up to 8X rewards on travel spends
Joining Fee: ₹0+ Taxes
Annual/Renewal Fee: ₹0+ Taxes
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Movies
Rewards
Free movie tickets worth Rs. 3,000
2% Cross Currency Markup Fee
1 reward point per Rs. 150 spent
Joining Fee: ₹0+ Taxes
Annual/Renewal Fee: ₹0+ Taxes
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Dining
Lifetime Free
Rewards
EazyDiner Prime membership
Up to 50% off on dining bills
Up to 2 rewards per Rs. 100
Joining Fee: ₹0+ Taxes
Annual/Renewal Fee: ₹0+ Taxes
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Features and Benefits of IndusInd Bank Credit Cards Against FD
Given below are some of the IndusInd Bank Credit Cards against FD along with their features & benefits:
IndusInd Platinum Credit Card
IndusInd Platinum is a lifetime free credit card . It offers reward points on every spend along with easy redemption options. You can use your reward points for cash credit or convert them into airline miles. Here are some of the common benefits of IndusInd Platinum Credit Card.
Joining Fee: Nil
Annual Fee: Nil
Key Features and Benefits:
IndusInd Platinum Aura Edge Credit Card
IndusInd Platinum Aura Edge is a lifetime free credit card designed for individuals who want flexible rewards across multiple spending categories. With no joining fee and no annual fee, it stands out for offering accelerated Savings Points across everyday, travel, and entertainment spends, making it a well-rounded option for consumers who are looking for an entry-level card. Below mentioned are some of the key features and benefits of this card:
Joining Fee: Nil
Annual Fee: Nil
Key Features and Benefits:
IndusInd Bank Duo Card
IndusInd Bank Duo Card is an entry-level credit card designed for everyday spending on groceries, food delivery, movies, and fuel. It has no joining or annual fees and offers lifestyle benefits without milestone-based rewards or high spending conditions. Given below are the following benefits of this card:
Joining Fee: Nil
Annual Fee: Nil
Key Features and Benefits:
EazyDiner IndusInd Bank Platinum Credit Card
EazyDiner IndusInd Bank Platinum Credit Card is a lifetime free dining-focused credit card designed for consumers who frequently dine out and want to maximize savings at premium restaurants. With zero joining and annual fees, it offers strong value for the cardholders who regularly use EazyDiner platform. Here are some of the common features and benefits of EazyDiner IndusInd Bank Platinum Credit Card:
Joining Fee: Nil
Annual Fee: Nil
Key Features and Benefits:
Steps to Apply for IndusInd Bank Credit Cards Against FD
Steps to apply for an IndusInd Bank Credit Card Against FD online are mentioned below:
Step 1: Open a Fixed Deposit with IndusInd Bank. The FD amount will decide your credit limit.
Step 2: Fill out the online application form for an IndusInd bank credit card against the FD.
Step 3: Complete KYC by submitting identity, address proof, and FD details.
Step 4: After verification, the bank approves the request and issues your FD-backed credit card.
FD-Backed Credit Cards by Banks
Here is the list of popular issuers offering FD credit cards:
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How to Apply for a Credit Card Online?
Step 1: Enter your mobile number
Step 2: Enter OTP to verify your mobile number
Step 3: Explore pre-qualified credit card offers from top issuers
Step 4: Select your preferred card and complete the digital application
FAQs
What is an IndusInd Bank credit card against FD, and who should apply for it?
IndusInd Bank credit card against FD is an entry-level card for beginners, students, or individuals with no credit history. Since the card can be backed by your FD, approval chances are higher, and it helps build or improve your credit score responsibly.
How can I apply for an IndusInd credit card backed by FD?
You can apply for an FD-backed credit card by first opening a Fixed Deposit with IndusInd Bank, as your credit limit is usually issued against the FD amount. After that, submit the application for an IndusInd Bank credit card against FD online or at a branch, complete the KYC process with the required documents, and once verified, the bank will approve and issue your secured credit card.
How is credit limit decided for an FD-backed credit card?
Credit limit is typically 75% to 90% of your Fixed Deposit amount. For example, if you open an FD of Rs. 50,000, your credit limit may range between Rs. 37,500 and Rs. 45,000, depending on the bank’s policy.
Can I convert reward points into airline miles?
Yes. Reward points earned on eligible IndusInd credit cards can be converted into KrisFlyer Miles. For example, credit card like IndusInd Platinum Aura Edge offers 400 Reward Points = 100 KrisFlyer Miles, making it beneficial for frequent travellers.
Can beginners build a credit score with a secured credit card?
Yes, an FD-backed card is one of the safest ways to start your credit journey. As an entry-level card for beginners, it allows you to build a strong credit score by paying bills on time and keeping utilization low, eventually helping you qualify for unsecured premium cards.
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