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Indus Delite by IndusInd Bank review 2022

Earn attractive interest rates and rewards with this zero balance savings account.

Applying for a savings account and getting instant access to banking services have never been easier. With Indus Delite, enjoy a quick and paperless onboarding process with just your Aadhaar and PAN cards.

In addition, you can also earn up to 6% interest rate on your account balance and benefit from a wide array of exclusive perks offered by the IndusInd Platinum Plus Debit Card.

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₹0

Account Service

₹0

Average Monthly Balance (AMB)

₹500 p.a.

Physical Debit Card

Details

Product NameIndus Delite
Average Monthly Balance (AMB)₹0
How to openMobile, Website
Fund TransferN/A
Mobile paymentsSamsung Pay
Withdrawal CashYes
More Info

How the Indus Delite account works

IndusInd Bank’s Indus Delite savings account offers customers an end-to-end digital banking experience, from paperless onboarding to on-the-go finance management. On top of the convenience it offers, Indus Delite also comes with standard banking features and competitive interest rates.

To get started, simply apply for the account online with your Aadhaar card and PAN. Once you have completed the required e-KYC processes, your Indus Delite account will be set up and ready to go!

Key features

  • Convenient on-the-go banking. With the IndusMobile banking app, you can access most of its banking services anytime, anywhere.
  • Zero balance requirement. The Indus Delite account does not require that you maintain a minimum average balance requirement.
  • Interest-bearing. Earn up to 6% interest rate on your account balance.
  • Attractive cashback. Earn 5% cashback when you shop on Amazon.in, plus 6x rewards on your debit card spend.
  • Fixed deposit facility. Set up auto sweeping and earn up to 6.5% interest rate on your fixed deposit savings.
  • Instant account approval. Save time with a paperless and completely digital account opening process. Once you’ve submitted the required details and complete a video KYC, you’ll receive your account number and start using it immediately.
  • Free e-statements. Keep track of your finances with complimentary monthly e-statements.
  • Exclusive offers. Enjoy a wide array of perks and deals, such as free movie tickets, dining promotions, shopping discounts and more.
  • Complimentary insurance. Benefit from travel insurance, personal accident cover, purchase protection and lost card liability worth Rs. 35.5L with your Platinum Plus debit card.

Fees and limits

While most of the services offered by IndusInd bank are free-to-use, some optional features may incur a fee:

  • Platinum Plus debit card. Receive a feature-packed IndusInd Platinum Plus debit card at Rs. 1,000 p.a.
  • Initial funding. You’ll be required to place an initial deposit of at least Rs. 10,000
  • Transactions at other banks’ ATMs in India. After the fee-free limit (5 cash or non-cash transactions per month), all cash and non-cash transactions are chargeable at Rs. 20 and Rs. 10 respectively per transaction.

The verdict

With up to 6% interest rates and zero monthly average balance requirement, the Indus Delite is certainly a good saving account to consider. On top of that, the account also comes with the Platinum Plus debit card, which offers accelerated rewards, cashback and a myriad of exclusive perks.

However, do bear in mind that the annual fee for the Platinum Plus debit card is slightly higher than other debit cards, so make sure to consider your lifestyle and spending habits before applying. Similarly, make sure to compare the Indus Delite account with other savings accounts available in the market before committing to it.

How to sign up

Applying for an Indus Delite account is simple and can be completed digitally in about 10 to 15 minutes through the bank’s website or mobile app. However, make sure that your mobile or desktop is equipped with a camera to complete the KYC verification.

Alternatively, you may also open the account by visiting your nearest IndusInd Bank branch.

Eligibility criteria

  • At least 18 years old
  • A resident of India with an Indian residential address

Required documents

Make sure you have the following details on hand when applying:

  • PAN number
  • Aadhaar number
  • Aadhaar-linked mobile number

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