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 July 2025)
Minimum balance Requirement
0
₹25,000 or more in SA OR ₹1,00,000 or more in SA+FD+MF OR First salary credit of Rs. 25,000 or more.
₹50,000 or more in SA OR ₹2,00,000 or more in SA+FD+MF OR First salary credits of Rs 50,000 or more.
Tier Upgrade Criteria (Till 30th June 2025)
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 (Effective 1st July 2025)
Minimum balance Requirement
Rs. 0
Rs. 25,000 in SA or Rs. 1,00,000 in SA+FD OR Monthly salary credit of Rs. 25,000 or more.
Rs. 50,000 in SA or Rs. 2,00,000 in SA+FD OR Monthly salary credits of Rs 50,000 or more
Tier Retention Criteria
Minimum Balance Requirement (Till 30th June, 2025)
Rs. 0
Rs. 25,000 in SA or Rs. 1,00,000 in SA+FD OR Monthly salary credit of Rs. 25,000 or more.
Rs. 50,000 in SA or Rs. 2,00,000 in SA+FD OR Monthly salary credits of Rs 50,000 or more
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)
Bill payments Eligible categories: Credit Card, FASTag, DTH, Loan Repayment, Electricity, Mobile Postpaid & Mutual Fund.
25 Gems on bill payment of Rs 500 or more on eligible categories (max. 200 Gems per calendar month)
25 Gems on bill payment of Rs 500 or more on eligible categories (max. 200 Gems per calendar month)
50 Gems on 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 a 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 23 per transaction
First 5 transactions per month are free. Post 5, Rs 23 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
2% of EMI amount
2% of EMI amount
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/-
*TnCs apply. Refer FAQs for more details.
Quarterly Average Balance Calculation Methodology
The quarterly average balance for savings accounts is derived by averaging the daily balances maintained throughout the quarter.
The quarterly average balance is computed by taking the daily balance of the fixed deposit and averaging it over the quarter.
The Quarterly Average AUM is calculated by averaging the daily AUM values across the quarter.
