About IndusInd Platinum Aura Edge Credit Card
The IndusInd Platinum Aura Edge Credit Card is an entry-level card that mainly gives benefits through its rewards program. It has a unique system with four reward plans—Home, Shop, Travel, and Party—so you can choose the plan that matches your spending habits and earn more points.
You can earn up to 4 reward points for every ₹100 spent on everyday categories like groceries, travel bookings, and departmental stores. For other purchases, the base reward rate is lower at 0.5 points per ₹100.
Rewards can be redeemed in multiple ways, including cashback, airline miles (KrisFlyer), or ‘Pay with Points’ at partner merchants. Note that you must choose a rewards plan when activating the card and can only change it after 6 months.
IndusInd Platinum Aura Edge Credit Card Rewards Program
Rewards Program
Cardholders can choose one of four plans based on their spending habits:
Shop Plan
- 4 points per ₹100 at departmental stores
- 2 points per ₹100 on electronics and consumer durables
- 1.5 points per ₹100 on restaurant bills and books
- 0.5 points per ₹100 on other spends
Home Plan
- 4 points per ₹100 on groceries
- 1.5 points per ₹100 on medical expenses
- 1.4 points per ₹100 on insurance, cellphone, and electricity bills
- 0.5 points per ₹100 on other spends
Travel Plan
- 4 points per ₹100 on hotel bookings
- 2.5 points per ₹100 on flight tickets
- 1.5 points per ₹100 on car rentals and train tickets
- 0.5 points per ₹100 on other spends
Party Plan
- 4 points per ₹100 on restaurant bills
- 2 points per ₹100 on departmental store shopping and bar/pub payments
- 1.5 points per ₹100 on movie tickets
- 0.5 points per ₹100 on other spends
Reward Redemption
- Redeem points for cashback: 1 point = ₹0.40
- Convert points to KrisFlyer Miles: 400 points = 100 miles
- Use Pay with Points at partner merchants for purchases
Other Features and Benefits
Welcome Benefit
- Get vouchers from top brands like EaseMyTrip, Bath & Body Works, Ixigo, Domino’s, Marks & Spencer, Nykaa, MakeMyTrip, and more upon paying the joining fee.
Fuel Surcharge Waiver
- Enjoy a 1% fuel surcharge waiver at all petrol pumps in India.
- Applicable on transactions between ₹500 and ₹3,000, capped at ₹100 per billing cycle.
Insurance Benefits
- Lost Baggage: ₹1,00,000
- Delayed Baggage: ₹25,000
- Loss of Passport: ₹50,000
- Lost Ticket: ₹25,000
- Missed Connection: ₹25,000
- Air Accident Insurance: Up to ₹25,00,000
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.95% p.m. | 47.40% p.a. |
| Late Payment Charges | | For statement balance: | Amount | | Up to Rs. 100 | Nil | | Between Rs. 101 to Rs. 500 | Rs. 100 | | Between Rs. 501 to Rs. 1,000 | Rs. 350 | | Between Rs. 1,001 to Rs. 10,000 | Rs. 550 | | Between Rs. 10,001 to Rs. 25,000 | Rs. 800 | | Between Rs. 25,001 to Rs. 50,000 | Rs. 1,100 | | Above Rs. 50,000 | Rs. 1,300 |
|
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Document Required For IndusInd Platinum Aura Edge Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IndusInd Platinum Aura Edge Credit Card Highlights
What do we like about this card?
- Choose your rewards plan: Shop, Home, Travel, or Party
- Earn up to 4 points per ₹100 on select spends; 0.5 points per ₹100 on others
- Redeem points for cash, KrisFlyer Miles, or “Pay with Points”
- Welcome vouchers from top brands like EaseMyTrip, Nykaa, Domino’s, MakeMyTrip
- 1% fuel surcharge waiver up to ₹100 per month on spends of ₹500–₹3,000
- Insurance cover for lost baggage, delayed baggage, lost ticket, missed connection, passport loss, and air accidents up to ₹25 lakh
- Lifetime free card with no joining or annual fee
Things to Know Before you apply
Get this card if:
- You want a credit card where you can choose a rewards plan based on your lifestyle.
- You want flexible redemption options like cash credit, air miles, or pay with points.
- You are looking for a lifetime free card with basic benefits.
Pros
- Customize reward points based on your lifestyle and spending habits
- Lifetime free card with no joining or annual fee
- Welcome vouchers from popular brands included
- Multiple redemption options: cash credit, air miles, and “Pay with Points”
Cons
- Low reward rate on general or non-category spends
- No additional travel or lifestyle perks like lounge access or free movie tickets
- Reward redemption has limits, which may reduce value for high spenders
IndusInd Bank Credit Card Contact Details
- Contact Address: IndusInd Bank Ltd. 701, Solitaire Corporate Park, 167 Guru Hargovindji Marg, Andheri East, Mumbai – 400093, Maharashtra, India
- Helpline: 1860 267 7777 (accessible from most Indian cities)
- Simply SMS: SMS Indulge to 5676757 for details or callback requests
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Frequently Asked Questions
Yes, you earn reward points on UPI transactions as per your chosen rewards plan, just like other eligible spends.
Yes, you can change your rewards plan, but only after 6 months from the date of activation.
Yes, this card comes with no joining fee and no annual fee, making it a lifetime free credit card.
Yes, the card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at petrol pumps.
Immediately call customer care at 1860 267 7777 to report the loss. The representative will confirm your details and block the card to prevent unauthorized use.
You can track your application on the official bank website using your application number. The bank also sends updates via SMS on your registered mobile number.
The credit limit is personalized and depends on factors like income, payment history, and existing debts. You will know your credit limit once the card is issued.
