At INDIE, we are committed to fair and transparent pricing. There are no hidden charges. You can compare plans and choose the one that works best for you with ease. INDIE comes in three tiers. You can start right away as Super Star or Mega Star by funding your account with higher value or upgrade to higher tiers as you use the app and accumulate INDIE GEMS.
Tier Upgrade Criteria (Effective 1st April 2024)
Funding Amount Required in a Single Transaction within the First 30 Days of Account Opening, OR
0
₹25,000 or more in SA OR ₹1,00,000 or more in SA+FD OR First salary credit of Rs. 25,000 or more.
₹50,000 or more in SA OR First salary credit of Rs. 50,000 or more.
Minimum Average Quarterly Balance, OR
0
₹25,000 or more in SA OR ₹1,00,000 or more in SA+FD OR Monthly salary credits of Rs 25,000 or more
₹50,000 or more in SA OR ₹2,00,000 or more in SA+FD OR Monthly salary credits of Rs 50,000 or more
INDIE GEMS Required to upgrade to next Tier
-
-
1500
Tier Retention Criteria
Minimum Balance Requirement (effective from 23rd Jan 2024)
Rs. 0
Rs. 25,000 in SA or Rs. 1,00,000 in SA+FD
Rs. 50,000 in SA or Rs. 2,00,000 in SA+FD
Tier Benefits
Debit Card Type
Visa Platinum
Visa Platinum
Visa Signature
Mark-up on Debit Card transactions in Foreign Currency
2%
2%
0% (Only on VISA Signature Debit Card)
Earn Rate of Gems via INDIE debit card or UPI transactions on selected favourite brands (User can choose any top 3 brands from list of 15+ brands)
1%
2%
3%
Earn Rate of GEMs on INDIE debit card transactions
0.25%
0.25%
0.5%
Earn Rates of Gems on Fuel Transaction via INDIE UPI handle and Debit Card
0
2% (Max 500 gems per month)
3% (Max 500 gems per month)
Instant Redemption of GEMs into Cash available
Yes
Yes
Yes
Complimentary Domestic Airport Lounge Access
Not Applicable
Not Applicable
Once per quarter (Only on VISA Signature Debit Card)
Complimentary Tickets on Bookmyshow
Not Applicable
Buy one ticket and Get one free upto Rs 250 (Applicable twice per quarter, only for users onboarded via IndusInd Bank branches)
Buy one ticket and Get one free upto Rs 400 (Applicable once per month, Only on VISA Signature Debit Card)
INDIE Gems on Bill Payments per month. Eligible categories: Credit Card, FASTag, DTH, Loan Repayment, Electricity, Mobile Postpaid & Mutual Fund. (Effective from 19th March 2024)
25 Gems on each bill payment of Rs 500 or more on eligible categories (max. 200 Gems per calendar month)
25 Gems on each bill payment of Rs 500 or more on eligible categories (max. 200 Gems per calendar month)
50 Gems on each bill payment of Rs 500 or more on eligible categories (max. 500 Gems per calendar month)
Accrual limit on INDIE Gems (Applicable from 1st June 2024)
2,500 Gems Monthly
2,500 Gems Monthly
2,500 Gems Monthly
Redemption limit on INDIE Gems
1,500 per day; 2,500 in a month.
1,500 per day; 2,500 in a month
1,500 per day; 2,500 in a month.
Charges for non maintenance of required savings account balance
Not Applicable
10% of the balance shortfall subject to minimum of Rs 100 and maximum of Rs 900 per quarter. (Applicable for accounts opened on or after 1st May, 2024)
Not Applicable
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
2% of EMI amount + GST
2% of EMI amount + GST
2% of EMI 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/-
