Indium

Best way for NRIs to provide financial security to their family  in India
They spend now in Rupees and you pay later in US dollars

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Spend in Rupees now, Pay in USD later

- Works everywhere VISA is accepted in India
- Cash advances and transfer money to other bank accounts
- You pay later with your linked US Bank account or in Crypto

Card for every family member

- Enroll to give India bank issued spending cards to each
- Individual spending limits gives financial independence
- Customer support in India for lost, stolen or replacement

Zero fees, Zero markup

- No annual fees or foreign transaction fees
- "Google" FX currency conversion rates
- Faster, cheaper and better than remittance

This all sounds great. How do I know if I'm eligible?
To get the Indium Card, you must:
- Be 18 or older
- Live in the United States and have a Social Security number
- Have a Bank account in USA

Spending limits (upto Rs200,000) for you and your family members will be based on your US income or credit score. We only do a soft check which does not affect your credit score.
Why is Indium better than an add-on US credit card for use in India?
Indium card is issued by Indian Bank. It adheres to all regulations laid down by RBI and hence is widely accepted across India wherever VISA is accepted. End users in India can also use it to get cash advances. It is secure with built-in Two-Factor Authentication (2FA) to prevent fraud and abuse.

US credit cards are not accepted by all merchants in India because of regulations and high merchant fees. US credit cards also don't have 2-factor authentication which can increase the chance of fraud and abuse. The foreign transaction fee and high FX conversion rates also make it very expensive to use for cross-border transactions.
How does this compare to traditional remittance services?
Indium is the cheapest (free) and fastest (instantly) way to give significant spending power to your family members in India. It is a post-pay service where you only need to pay for expenses after they have been made instead of parking money upfront in India. Cash advance functionality gives additional flexibility for other emergency scenarios where card can't be used.
Wait, why will the fees be lower than other options?
Unlike traditional remittance services which use bank rails, Indium uses card based networks and large financial institutions which reduce our overall costs. We pass the savings to you.

This helps me to not lock-up USD in my India bank account. Now I pay later just like my US credit card.

Vijay

Now my Mom is financially independent. She can spend on whatever she wants.

Ram

I had problems using my US credit card at many India e-commerce sites. This solved that problem.

Uma

Bye Bye Xoom, Remitly, ICICI. This is a much better option than money remittance.

Venkatesh

Bye Bye Xoom, Remitly, ICICI. This is a much better option than money remittance.

Venkatesh

Indium Card

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