IndusInd Bank Platinum Aura Edge Credit Card

Joining feeAnnual fee

₹0Lifetime Free

Fee waiver rule

No annual fee to waive: the bank's fee table gives this card's annual fee as NIL and its condition for waiver of annual fees as NA.

Add-on card fee

Add-on Card Fee: NIL

Welcome benefit

Welcome gift via Vouchagram (discount vouchers from brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola); applicable only on select fee plan

Reward rate

0.5 Reward Points per ₹100 · everyday spendsGet Reward Points for every ₹100 spent on the listed categories as per your chosen Platinum Savings Plan; any other spends: 0.5 Reward Points for every ₹100 spent.

Reward exclusions

Effective 1st April 2018, fuel transactions will not accrue reward points on your IndusInd Bank Credit Card.

Reward caps

Effective 1st September 2024, maximum reward points allowed for cash redemption will be 2500 per calendar month

Flight redemption

Airline Miles on Krisflyer

Statement-credit redemption

* Cash credit New

Airline and hotel partners points may move to

InterMiles redemption discontinued effective 21st January 2025

Point expiry

All Reward Points earned are live till the IndusInd Bank Platinum Aura Edge Credit Card account is live.

What one reward unit is worth

1 savings point = Re 0.50 or 0.5 airline mile.

Fuel surcharge waiver

1% fuel surcharge waiver on all petrol pumps across India.

Lost card liability

covers unauthorised transactions up to 48 hours prior to reporting loss

Travel insurance

Lost baggage up to ₹1,00,000; Delayed baggage up to ₹25,000; Loss of passport up to ₹50,000; Lost ticket up to ₹25,000; Missed connection up to ₹25,000

Add-on card eligibility

Card (s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.

Forex markup

3.5% on foreign currency transactions.3.5% foreign currency mark-up

Cash advance fee

2.5% of the advance amount subject to a minimum of ₹300

Interest on unpaid balance

3.95% Monthly Rate, 47.40% Annual Rate.

Interest-free period

Interest-free credit period of up to 50 days

Late payment fee

Nil to ₹1,300 by outstanding balance (₹1,300 above ₹50,000)

Over-limit fee

2.5% of Over Limit Amount, subject to a minimum of ₹500

Payment return or dishonour fee

Returned payments: ₹250

Card replacement fee

Re-issue/Replacement: ₹100 for All Other Credit Cards.

Education / school fee charge

1% Fee + GST on the cumulative spends on education payments transactions made through third-party websites and applications more than ₹45,000 in a statement cycle

Wallet load charge

1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle

Rent transaction fee

1% Fee + GST levied on each transaction on rent payments through third-party merchants

Utility transaction fee

1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.

Minimum amount due

100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding

Minimum age

Card (s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.