IndusInd Delight Zero Balance Savings Account: Full Details, Fees, Benefits & More (2025)
Looking for a rewarding zero balance account in 2025? The IndusInd Delight Savings Account might just be the perfect fit. It offers cashback on UPI, debit card spends, and a range of other exclusive benefits—all without requiring you to maintain any monthly balance.
✅ Zero Balance Requirement
💳 Cashback on UPI & Debit Card Payments
📱 100% Paperless Online Account Opening
🔐 Virtual Debit Card, Rewards, and More
📝 What is the IndusInd Delight Zero Balance Account?
The IndusInd Delight Account is a digital savings account offered by IndusInd Bank. It’s designed for modern users who want to manage everything online and earn rewards for their everyday transactions.
💼 Key Features of the IndusInd Delight Account
- Zero Minimum Balance – No need to maintain any specific average monthly balance (AMB)
- Cashback on UPI & Debit Card – Get up to ₹300 cashback per month
- Free Virtual Debit Card for online shopping and payments
- Free Passbook & Cheque Book facility upon request
- 100% Digital KYC account opening through video call
- Free Fund Transfers via NEFT, RTGS, IMPS, and UPI
- Access to IndusMobile App and Internet Banking
💸 Cashback & Rewards Explained
The biggest highlight of this account is its reward system. Here’s how it works:
- ₹20 cashback on 10 UPI transactions (₹200 minimum each)
- ₹50 cashback on 3 debit card POS/eCom spends (₹1000 minimum each)
- ₹150 cashback on 3rd party transfers of ₹50,000+
Total Monthly Cashback: Up to ₹300/month or ₹3600/year 🎉
💳 Charges & Fees
| Service | Charges |
|---|---|
| Account Opening | Free |
| Minimum Balance | Zero Balance (No AMB) |
| Virtual Debit Card | Free |
| Physical Debit Card | Optional – ₹499/year (plus GST) |
| NEFT/RTGS/IMPS | Free via Mobile or Net Banking |
| ATM Withdrawals | 5 free/month at IndusInd ATMs; beyond that ₹20 |
🛍️ Benefits of the Delight Savings Account
- No hidden charges – fully transparent pricing
- Cashback on UPI and debit card usage—rare in zero-balance accounts
- Virtual debit card for instant online shopping
- Easy bill payment, recharge, and money transfer through the app
- Instant digital account number and IFSC code upon opening
📲 How to Open IndusInd Delight Zero Balance Account?
Opening the account is fast and easy:
- Visit the official IndusInd Delight Account page: www.indusind.com
- Enter PAN, Aadhaar, and mobile number
- Complete KYC via video call
- Get account number instantly & start using
👉 Apply Now: Open Delight Account
🗣️ Customer Reviews & Ratings
- Rating: 4.6 out of 5 (based on online reviews)
- Users love: cashback, app interface, instant account setup
- Common complaints: delays in physical card delivery
- Support experience: Mostly positive, responsive via app and call
🔍 Who Should Open the Delight Account?
This account is perfect for:
- Students and freelancers
- Salaried individuals looking for digital-first banking
- Anyone who wants zero-balance convenience + rewards
- Online shoppers and UPI power users
📌 Final Verdict: Is It Worth It?
✅ If you’re looking for a savings account that combines the power of zero-balance flexibility with real cashback and perks, IndusInd Delight Account is a solid pick for 2025. With its intuitive mobile app, transparent charges, and reward system—it stands out in a crowded market of digital banking options.
