FAQ

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Documents Required & Time of Processing

  • What are the documents required for this offer?

    This is a specially designed Instant loan program for select existing customers, no further documentation is required.

  • How long will it take for my Personal loan to get disbursed?

    The loan amount will be credited into your IndusInd Bank A/c immediately upon successful submission of application and acceptance of terms and conditions of the loan.

  • How will I be informed about the terms and conditions of the loan?

    The Terms and Conditions of the loan will be displayed to you while you submit the application, you will also receive an email copy of the same along with Key Fact Statement and Welcome Kit on your registered email id.

Interest Rate, Charges & Tenure

  • What are the loan tenure options?

    You can avail a loan for any term between 1 year upto 3 years under this program in multipliers of 6 months.

  • What is the rate of interest that will be charged?

    The rate of interest applicable under this program will range from 13% to 26%.

  • Are there any additional charges?

    A processing fee of up to 2.50% of the loan amount and requisite documentation and stamp duty charges are payable. These charges / fees will be deducted from the loan amount at the time of disbursal.

Repayment, Part-payment, Foreclosure

  • How can I repay my Personal Loan?

    You pay the loan in equal monthly installments (EMIs). The loan will be paid through a standing instruction to debit your IndusInd Bank account with the EMI amount.

  • Can I foreclose my loan?

    You can foreclose the entire loan outstanding any time after paying 12 installments. Foreclosure charges as applicable would be levied on the outstanding loan amount.

  • Is part-prepayment of a Personal Loan allowed?

    Part prepayment is not allowed. The loan has to either be prepaid in full or serviced for the contracted tenure.

Security & Guarantee

  • What security do I need to provide to obtain this loan?

    There is absolutely no need to provide any security or collateral.

  • Do I need to provide a guarantor to obtain this loan?

    There is absolutely no need to provide any guarantor.

Miscellaneous

  • What if I want higher loan amount than the pre-approved offer?

    You avail higher loan amount by making a fresh application and providing income documents such as 3 latest Salary, latest 6 months bank statement of primary Bank account and other required documents, post credit assessment and subject to your eligibility as per Banks Credit norms the loan may be approved.

  • How do I approach IndusInd Bank for any queries on Personal Loans?

    You can approach us in any of the following ways:
    Call us at our 24 hour Customer Care No.: 1860 500 5004
    Write to us at customerserviceindusind.com

Instant Online Credit Card

Check our Easy Loan FAQs

Documentation and Credit Card Application Processing

  • What are the documents required for this offer?

    This is a specially designed Instant Credit Card program for select existing customers and no further documentation is required.

  • How long will it take for my Credit Card to be dispatched?

    Your Credit Card will be dispatched to you within 2 working days upon successful submission of the application, subject to approval. Please reach out to us at our 24-hour Customer Care and quote your Application Reference Number for any queries regarding the status of your application.

  • How will I be informed about the Privileges and other Terms and Conditions of my Credit Card?

    The Privileges and other applicable Terms and Conditions of the Credit Card will be displayed to you while you submit the Credit Card Application. The detailed Benefit Guide, Cardholder’s Agreement and Most Important Terms and Conditions (MITC) are available online in a PDF format. To download, please visit http://www.indusind.com/cc-welcomekit.


    Please note that as we have now digitised your Welcome Kit, your physical Credit Card Welcome Kit shall carry the Welcome Letter and Card Plastic only.

Fees & Charges

  • What are the Joining Fees and/or Annual Fees on my Credit Card?

    For Credit Card applications submitted through https://easycredit.indusind.com, the Joining Fees and Annual Fees applicable are as mentioned below.


    Platinum Aura Visa Credit Card
    Joining Fees : Nil
    Annual Fees : Nil


    Platinum Aura mastercard Credit Card
    Joining Fees : Nil
    Annual Fees : Nil

  • What are the other charges applicable on my Credit Card?

    The other applicable charges on your Credit Card are available in the Most Important Terms and Conditions (MITC). To download the MITC, click here.

Miscellaneous

  • What if I want to apply for a Credit Card which is not listed on this portal?

    If you wish to apply for a Credit Card which is not listed on this portal, simply SMS <CREDITCARD> to 5676757. Our Bank representative will get in touch with you and assist you with the list of Credit Cards we offer. To know more about IndusInd Bank Credit Cards, click here.

  • How do I approach IndusInd Bank for any queries on Credit Cards?

    In case of any queries, you can call our 24-hour Phone Banking Number at 1860 267 7777 or e-mail us at premium.care@indusind.com