You can add a payee by selecting “Send Money” > “Transfer Funds” > “Add Payee or add New Payee” button

You can start sending money to a newly added payee only after 30 minutes of adding the payee. After 30-minute, standard daily transaction limits apply.

However, you can immediately transfer funds without adding a payee using the Quick Transfer functionality. For quick transfer, per transaction limit is capped at maximum of ₹ 50,000/- and there is a per day limit of ₹ 2,00,000/- . There is no cap on the number of transactions.

1. Complete your Video KYC
2. Share your account details with your company HR to start receiving your salary in your INDIE account
3. Get automatically upgraded to Superstar or Megastar with your first salary credit. (customers with min. salary credit of INR 25,000 will be upgraded to Superstar and customers with min. salary credit of INR 50,000 will be upgraded to Megstar)

You only need your Aadhaar and PAN to open an INDIE account. Once open, you can share the account details with your HR to start getting your salary in this account. No additional documentation is required.

Simply share your INDIE account details with your company HR to start getting your salary in your INDIE account (Please ensure you have your Video KYC completed)

INDIE is a smart way of banking for those who seek more from their salary accounts.

By using your INDIE savings account as your salary account you automatically get upgraded with your first salary credit into the account (you will be upgraded to Superstar if your salary credit is atleast INR 25,000 and you will be upgraded to Megastar if your salary credit is atleast INR 50,000).

To learn more about the exclusive benefits of being a Superstar or Megastar, check out **INDIE Youniverse** in your INDIE app.

This is a zero-balance account. We will not charge you for not maintaining any balance.

However, in order to enjoy the full benefits of this account, we recommend you keep as much as you can.

Savings Bank Account Interest Rates Domestic / Non Resident (NRO/NRE)* Rate p.a

Daily balance upto Rs. 1 Lakh 3.00%

Daily balance above Rs. 1 Lakh Upto Rs. 5 Lakhs 4.00%

Daily balance above Rs. 5 Lakh Upto Rs. 10 Lakhs 6.00%

Daily balance above Rs. 10 Lakhs Upto Rs. 5 Crs 7.00%

Daily balance above Rs. 5 Crs Upto Rs. 100 Crs 7.00%*

These rates are applicable effective 26th Nov 2024.

Interest is calculated on progressive balances in each of the interest rate slabs applicable.

Interest pay-out is done at every calendar quarter on 30th June, 30th Sept., 31st Dec. and 31st March.

*Flat Rate applicable on entire balance

For Interest rate on Deposit above ₹ 100 Cr, please visit your nearest branch

In case of a limited KYC account, you can hold a maximum of ₹ 100,000 as balance, with aggregate deposit limit of ₹ 2,00,000 into the account in a financial year. Once you complete your full KYC, you can load as much as you want and enjoy the maximum benefits we offer.

This is a zero-balance savings account, which means that there are no charges for not maintaining any balance. However, in order to enjoy the full benefits of this account, we recommend you keep as much as you can!

Minimum KYC account Full KYC account

Maximum Balance INR 100,000 No limits

Account Validity 1 year

Yearly transaction limit INR 2 lakhs No constraints

Besides this, only if you are a full KYC customer, you would be able to get access to Line of Credit, Fixed Deposits and Stock Trading.

You can complete your video KYC process from the App itself to convert your account to full KYC. Alternatively, you can also visit nearest IndusInd Bank branch to complete your full KYC.

Indie Savings account comes with the following benefits

1. Up to 7.00% per annum interest on Savings Account
2. Up to 3% rewards on favourite Brands on spends with Debit card/UPI
3. Up to 3% rewards on Fuel spends with Debit card/UPI
4. Complimentary free lifetime Virtual Debit card
5. No minimum Balance requirement

Star Superstar Megastar

Debit Card & ATM Charges (Domestic)

First Physical Debit Card Dispatch in your Respective Tier Rs 499 Rs 249 for users onboarded via INDIE app | Rs 0 for users onboarded via IndusInd Bank branches No Charges (Only on VISA Signature Debit Card)

Debit Card Replacement fee Rs 150 Rs 150 Rs 150

Physical Debit Card Annual Renewal Fee Rs 499 Rs 249 for users onboarded via INDIE app | Rs 0 for users onboarded via IndusInd Bank branches No Charges (Only on VISA Signature Debit Card)

Non-cash transactions (Balance Enquiry, PIN Change and Mini Statement) - Other Bank ATMs in India First 5 transactions per month are free. Post 5, Rs 11 per transaction First 5 transactions per month are free. Post 5, Rs 11 per transaction No Charges (Only on VISA Signature Debit Card)

Cash Withdrawals

(IndusInd Bank ATMs) Unlimited free transactions. Unlimited free transactions. Unlimited free transactions.

Cash Withdrawals

(Other Bank ATMs) First 5 transactions per month are free. Post 5, Rs 21 per transaction First 5 transactions per month are free. Post 5, Rs 21 per transaction Unlimited free transactions (Only on VISA Signature Debit Card)

Debit Card & ATM Charges (International)

Non financial transactions - Other ATMs outside India Rs 20 per txn Rs 20 per txn Rs 20 per txn

Cash Withdrawals - Other Bank ATMs outside India Rs 125 per withdrawal Rs 125 per withdrawal Rs 125 per withdrawal

Foreign Currency Exchange Mark Up Fee 2% 2% 0% (Only on VISA Signature Debit Card)

Payments & Transactions

IMPS/UPI No charges No charges No charges

Internal Transfer No charges No charges No charges

Cross Border Payments and Transactions

Inward Remittances 0.20% mark-up on prevailing market rate + taxes as applicable 0.20% mark-up on prevailing market rate + taxes as applicable 0.20% mark-up on prevailing market rate + taxes as applicable

FIRC (Foreign Inward Remittance Certificate) Issuance Rs 100 Rs 100 Rs 100

Outward Remittance Rs 250 + swift charges Rs 250 + swift charges Rs 250 + swift charges

SWIFT/ Wire Transfer Rs 500 Rs 500 Rs 500

FCY (Foreign Currency) Draft /DD issuance Rs 350 Rs 350 Rs 350

FCY (Foreign Currency) Cheque Collection Rs 50 Rs 50 Rs 50

Line of Credit Charges

Penal charges for Delayed payments 1% of Overdue amount + GST 1% of Overdue amount + GST 1% of Overdue amount + GST

Payment dishonour charges Rs 399 + GST Rs 399 + GST Rs 399 + GST

Delayed EMI payment charges NIL NIL NIL

Duplicate statement issuance charges NIL NIL NIL

Cheque/ ECS / SI Swapping charges Not Applicable Not Applicable Not Applicable

Duplicate No dues certificate NIL NIL NIL

Duplicate amortization schedule charges Not Applicable Not Applicable Not Applicable

Loan Re-booking/ Rescheduling charges Not Applicable Not Applicable Not Applicable

Loan cancellation charges (allowed till 3 days of loan booking) NIL NIL NIL

Issuance charges of photocopy of loan agreement Not Applicable Not Applicable Not Applicable

CIBIL Report charges Not Applicable Not Applicable Not Applicable

Legal charges Not Applicable Not Applicable Not Applicable

Cheque Book

Issuance of Cheque Book Rs. 100 + GST per chequebook (25 leaves) 1 Cheque Book per quarter (25 leaves) free. For every additional cheque book per quarter: Rs. 100 + GST/- 1 Cheque Book per quarter (25 leaves) free. For every additional cheque book per quarter: Rs. 100 + GST/-

You can become a Mega Star either by doing a funding of ₹ 50,000 or more or by earning the minimum threshold INDIE Gems on the App. Similarly, you can become a Super Star by doing a funding of ₹ 25,000 to ₹ 49,999 or by earning the minimum threshold of INDIE Gems.

Effective 1st April 2024, following are the funding conditions to upgrade to Megastar:

Option 1: Fund the INDIE account with Rs. 50k or more in one single transaction within first 30 days of account opening.

Option 2: Maintain a minimum average balance of Rs. 2 lakhs (Savings + FD) or Rs. 50k (Savings) in any calendar quarter post the quarter in which customer has onboarded. There are 4 quarters in a calendar year - Jan to Mar, Apr to June, July to Sept, Oct to Dec.

E.g. If a customer got onboarded on 5th Nov 2023, and has not been upgraded to Megastar till 31st March 2024, only if the customer maintains quarterly balance (as defined above) for April to June period (or any other subsequent quarter), would the customer get upgraded to Megastar.

You can earn cashback of ₹50 if your first funding transaction to your INDIE account is ₹5,000 to ₹49,999. You can earn cashback of ₹250 if your first funding transaction to your INDIE account is ₹50,000 or more.

For eg. if you make a first funding of ₹6,000 then you will get ₹50 cashback and if you make a first funding of ₹60,000 then you will get ₹250 cashback

However, if your first funding is for ₹1,000 and the second funding is for ₹4,000 (resulting in a cumulative funding of ₹5,000) then you won't be eligible for the cashback since the first funding of ₹1000 does not meet the minimum threshold of ₹5,000. This is applicable from 12th Aug 2024.

How can I order physical debit card

1. Physical debit will reach you within 7 working days of INDIE app registration date.

2. Download & register for the INDIE app & receive your free physical debit card.

How can I get a signature debit card?

Upgrade your account to megastar account today by funding your account to Rs 50,000 & get your free signature debit card in a few simple steps.

Open INDIE application > Click on cards > click on card preferences > go to service request > block & replace > Click on Submit

Signature Card will be delivered within 7 business days.

How to create an FD on INDIE app

Open INDIE app > go to deposits > open fixed deposits > enter amount > select tenure > calculate maturity amount > Proceed

Check your passbook/statement on INDIE app no need to go to branch

Open INDIE app > click on recent transactions > Get statement

How to order free Cheque book

Open INDIE app > on top left corner click on name > open my account section > help & support > manage cheque book > issue cheque book > confirm your address > click get cheque book