Level Up Your Savings Game: Decoding Star, Superstar, and Megastar accounts on INDIE

Level Up Your Savings Game: Decoding Star, Superstar, and Megastar accounts on INDIE

22 May 2024 | By INDIE

Gone are the days of simply stashing cash under the mattress. Today, people are constantly seeking out innovative ways to make their hard-earned money work even harder for them.

We are talking about Loyalty Programs.  These programs reward you for your everyday spending, offering benefits like cashback, reward points, or exclusive discounts. However, with the clutter of information and services on the internet, it is important to choose a loyalty program wisely.

Enter INDIE YOUniverse, a one-of-a-kind loyalty program offered by INDIE. It goes beyond the traditional rewards structure and makes saving an engaging experience. Similar to accumulating points, you earn "INDIE Gems" for your everyday transactions, opening up a world of exciting rewards and exclusive benefits. You can redeem your INDIE Gems for cash. 1 INDIE gem = ₹1. Transparent and simple!

INDIE YOUniverse is a 3-tier Loyalty Program with following account types - Star, Superstar, and Megastar - that make your finances fun, rewarding you for everyday activities.


Getting started on INDIE YOUniverse is easy!


This is your stepping stone into the world of INDIE rewards. Think of it as the "early bird" savings account.

● You'll earn 1% INDIE Gems on the brands of your choice, a perk that lets you personalise your spending and get rewarded for it.

● Paying bills will now pay you back.  Make a bill payment of ₹500 or more via INDIE, and you'll be showered with 25 INDIE Gems.

● You also get the benefit of a no-frills 0 balance savings account and earn 0.25% INDIE Gems on every swipe of your debit card.

● Lastly, you also get unlimited free ATM transactions at IndusInd Bank ATMs across all locations.


Feeling a little more ambitious? Take it up a notch with the Superstar account by maintaining an avg. quarterly balance of ₹25,000 in Savings Account OR ₹1,00,000 in Savings Account + FD. Here, the rewards get bigger and better.

● You can earn 2% INDIE Gems (double of a STAR account) on your chosen brands

● Fueling up your car becomes even more rewarding with a flat 2% cashback in the form of INDIE Gems on payments via INDIE Debit card or UPI.

● Bill payments pay you furthermore this time -  On a spend of ₹500 or more, you will be credited with 25 INDIE Gems.

● Daily essentials still earn you 0.25% INDIE Gems with your debit card and you get unlimited free ATM transactions at any IndusInd Bank ATM, similar to a Star account.


As we level up the tier, things get more exciting and rewarding with the Megastar account:

● You get a whopping 3% INDIE Gems on your favourite brands, and the same 3% cashback rate on your fuel expenses too in the form of INDIE Gems.

● Megastar accounts come with many luxury perks. You get a free VISA Signature Debit Card, perfect for making secure transactions. 

● Enjoy one free domestic airport lounge access every quarter

● Great news for movie buffs!  Megastar lets you unlock 1+1 offers on BookMyShow. 

● The best part is that on bills of ₹500 or more, you can earn up to a whopping 500 Gems in a month! 

● Unlike the Star and Superstar accounts, Megastar also grants you unlimited free ATM transactions across all ATMs in India, giving you the freedom to access your cash without any additional charges.


The Takeaway:

INDIE's Star, Superstar, and Megastar accounts cater to different spending styles.  If you still want to understand the basics of this loyalty program before making your decision, check out: https://indie.indusind.com/indie/blogs/indie-youniverse-rewards.html

To sum up, Star offers a good foundation with rewards on your favourite brands and everyday purchases.  Superstar is a step up,  perfect for those who want to maximise their returns on essentials like fuel and bill payments.

Finally, Megastar is the ultimate package for the big spenders, showering them with rewards, exclusive offers, and airport lounge access.  So, choose your game and level up your savings with INDIE!



The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.