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
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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.

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.

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.

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.