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Contactless Payments FAQs

What is contactless payment?

The contactless payment feature lets consumers make safe and secure payments with a simple tap of the card on the PoS (Point of Sale) machines at compatible merchant outlets. These NFC-enabled terminals transmit payment details and authenticate transactions without swiping the card.

Where can I use the IndusInd Bank Indulge Credit Card?

It can be used at any merchant outlet that has a contactless payment PoS machine. If such a machine is not available, the contactless card can still be used for swipe or dip transactions. If the PoS machine has a contactless symbol displayed on it, it can process contactless payments.

How do I use the contactless feature on my IndusInd Bank Indulge Credit Card?

Look for a retailer displaying the contactless symbol and the Visa/Mastercard logo at the PoS. Hold your card within 4 cm of the secure contactless reader. Four green lights will appear. This takes no more than half a second. You can then remove your card and the transaction will be complete.

How close to the reader does the card need to be?

You should hold your contactless card within 4 cm of the card reader.

Is there a limit on the value of goods you can purchase with a contactless credit card?

You can use your contactless card for any amount within the overall daily transaction limit of Rs. 2000.

Will I receive a charge slip for the transactions I make?

Contactless payment is designed to help you make transactions easily and conveniently. The retailer will ask if you require a charge slip. Please advise the retailer accordingly.

How do I know when a payment has been made?

Your transaction is confirmed by the illumination of four green indicator lights and a display message confirming that your transaction was successful.

Could I unknowingly have made a purchase if I walk past the reader?

No. Your card has to be tapped within 4 cm of the card reader for more than half a second and the retailer must have first entered the amount for you to approve. Terminals can only process one payment transaction at a time, thereby reducing transaction errors.

Will I receive a notification each time a transaction is completed on my IndusInd Bank Indulge Credit Card?

Yes, as with a standard credit card the customer will receive an SMS and an email notification each time a transaction takes place.

Is this a chip card?

Yes. This credit card is secured with a contact and contactless chip along with magnetic stripe and NFC antenna. The NFC antenna is for enabling contactless payments at merchant locations that accept contactless Payments. The chip and the magnetic stripe are used for credit transactions at PoS establishments where contactless payments are not accepted.

What process should be followed in case of a lost or stolen card?

In case your credit card is lost or stolen, please contact IndusInd Bank Customer Care immediately to block your card. You can also block your lost/stolen credit card immediately on our net banking portal (IndusNet) or on the IndusMobile app.