How to use your Duo Card at an ATM?

You can use your IndusInd Bank Duo Card as an ATM/Debit Card by entering your Debit Card PIN to withdraw funds from your Bank Account, and to conduct other Banking transactions at an ATM. Please ensure to insert your Duo Card in to the ATM card slot from the 'ATM/Debit Card' (blue arrow) side. You can also use your IndusInd Bank Duo Card as a Credit Card by entering your Credit Card PIN to obtain a Cash Advance against your Credit Card Cash Limit. Please ensure to insert your Duo Card into the ATM card slot from the 'Credit Card' (yellow arrow) side.

How to use your Duo Card at Point-of-Sale Merchant Establishments?

To pay for transactions using the funds in your IndusInd Bank Account, please ensure to insert your Duo Card into a POS Machine slot from the 'ATM/Debit Card' (blue arrow) side and enter your Debit Card PIN. To pay for transactions using the assigned Credit Card Limit, please ensure to insert your Duo Card into the POS Machine slot from the 'Credit Card' (yellow arrow) side and enter your Credit Card PIN. To pay for transactions at Non Chip and PIN POS Merchant Terminals, please ensure to swipe your Duo Card Magstripe as per your preferred Debit/Credit Card option and enter the appropriate PIN to complete the transaction.

How to use your Duo Card Online?

You can use your IndusInd Bank Duo Card to shop online, pay for services, or make utility bill payments. For online transactions using the funds in your IndusInd Bank Account, please enter your Debit Card Credentials (Card Number, Expiry Date, CVV) on the Merchant Website to make the payment. For online transactions using the assigned Credit Card Limit, please enter your Credit Card Credentials (Card Number, Expiry Date, CVV) on the Merchant Website to make the payment. You can authenticate the online transaction using the Verified By Visa (VBV) Password or the One Time Password (OTP).

Can I block my DUO Card through the mobile app?

In case, the customer wants to block his DUO Card through IndusMobile app, both Debit & Credit Cards will need to be blocked separately.

Credit Cards

PremiumVisa

IndusInd Bank Duo Credit Card

Premium rewards without the annual fee burden

Annual feeLifetime Free

Rewards0.45%0.67 Reward Point per ₹150

Forex markup3.5%2% Cross Currency Mark-up

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with IndusInd Bank. Full disclaimer

Welcome benefits

Welcome vouchers based on variant selected

Type: Voucher

Rewards

Base earn rate

For every ₹ 150 spent on your IndusInd Bank Duo Card, you get 1 Reward Point.

A Rewarding Life

• Redemption fee: ₹100

Fees & charges

Joining fee: ₹ 249 + Taxes Issuance Fee
Annual / renewal fee: Lifetime free
Add-on card fee: Supplementary/Add-on Cards cannot be issued on DUO Cards.
Interest rate: 3.83% per month (46% p.a.)
Interest-free period: 50 days
Cash advance fee: Cash Advance and Interest Charges will be applicable for such Cash Advances. Please refer to the Schedule of Charges for more details.
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 2% Cross Currency Mark-up
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Air accident

₹25L

Air accident Insurance (Rs. 25,00,000)

Purchase protection

₹50,000

Lost card liability

₹3L

Baggage loss

₹1L

Features

✓ Chip & PIN✓ International usage

Additional features

Dual functionality - Credit and Debit card in one
Two EMV Chips & two PINs
Two Magnetic stripes
Daily Limits: ₹ 1,25,000 ATM; ₹ 2,00,000 POS (Point-of-Sale)
Verified By Visa (VBV) for online transactions
OTP authentication for online transactions

Card management via IndusMobile.

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Credit Cards

PremiumVisa

IndusInd Bank Duo Credit Card

Premium rewards without the annual fee burden

Annual feeLifetime Free

Rewards0.45%0.67 Reward Point per ₹150

Forex markup3.5%2% Cross Currency Mark-up

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with IndusInd Bank. Full disclaimer

Welcome benefits

Welcome vouchers based on variant selected

Type: Voucher

Rewards

Base earn rate

For every ₹ 150 spent on your IndusInd Bank Duo Card, you get 1 Reward Point.

A Rewarding Life

• Redemption fee: ₹100

Fees & charges

Joining fee: ₹ 249 + Taxes Issuance Fee
Annual / renewal fee: Lifetime free
Add-on card fee: Supplementary/Add-on Cards cannot be issued on DUO Cards.
Interest rate: 3.83% per month (46% p.a.)
Interest-free period: 50 days
Cash advance fee: Cash Advance and Interest Charges will be applicable for such Cash Advances. Please refer to the Schedule of Charges for more details.
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 2% Cross Currency Mark-up
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Air accident

₹25L

Air accident Insurance (Rs. 25,00,000)

Purchase protection

₹50,000

Lost card liability

₹3L

Baggage loss

₹1L

Features

✓ Chip & PIN✓ International usage

Additional features

Dual functionality - Credit and Debit card in one
Two EMV Chips & two PINs
Two Magnetic stripes
Daily Limits: ₹ 1,25,000 ATM; ₹ 2,00,000 POS (Point-of-Sale)
Verified By Visa (VBV) for online transactions
OTP authentication for online transactions

Card management via IndusMobile.

IndusInd Bank Duo Credit Card

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IndusInd Bank Duo Credit Card

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