IndusInd Bank Platinum Aura Edge Credit Card
Best for entry-level users who want to pick an accelerated category. Choose plan (Shop/Home/Travel/Party): up to 4 Saving Points/Rs100 in plan categories, 0.5/Rs100 elsewhere; 1 pt=Rs0.50 per official benefit guide (Paisabazaar lists Rs0.401); plan change fee Rs250
Terms as of 2026-09-27 · Checked 30 September 2026IndusInd Bank Platinum Aura Edge Credit Card at a glance
Who it suits: Entry-level users who want to pick an accelerated category
Rewards & cashback
| Details | |
|---|---|
| How you earn | Choose plan (Shop/Home/Travel/Party): up to 4 Saving Points/Rs100 in plan categories, 0.5/Rs100 elsewhere; 1 pt=Rs0.50 per official benefit guide (Paisabazaar lists Rs0.401); plan change fee Rs250 |
| Caps & exclusions | Cash redemption max 2,500 pts/month; KrisFlyer max 10,000 pts/month; category exclusions (grocery inside dept stores, hotel restaurants) |
| Welcome benefit | Vouchers (EaseMyTrip, Domino’s, Nykaa, M&S) per Paisabazaar |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹300 | ₹300 |
| ₹3,00,000 / year | ₹750 | ₹750 |
| ₹6,00,000 / year | ₹1,500 | ₹1,500 |
| ₹12,00,000 / year | ₹3,000 | ₹3,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% waiver up to Rs100/cycle on Rs500-3,000 |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the IndusInd Bank Platinum Aura Edge Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
Choose plan (Shop/Home/Travel/Party): up to 4 Saving Points/Rs100 in plan categories, 0.5/Rs100 elsewhere; 1 pt=Rs0.50 per official benefit guide (Paisabazaar lists Rs0.401); plan change fee Rs250 Caps/exclusions: Cash redemption max 2,500 pts/month; KrisFlyer max 10,000 pts/month; category exclusions (grocery inside dept stores, hotel restaurants)
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the IndusInd Bank Platinum Aura Edge Credit Card good for me?
Best for: Entry-level users who want to pick an accelerated category. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.indusind.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IndusInd Bank’s website before applying. FinancePortal is not affiliated with the issuer.