IndusInd Platinum Aura Credit Card is well-suited to the needs of frequent shoppers as it rewards them for every purchase with extra rewards on departmental store and grocery spends. The card also provides complimentary lounge access and concierge service. Learn more about the benefits of this credit card here.
Key Features and Benefits
Reward Points: The Reward Points that can be earned per Rs. 100 spent are:
- 4 Reward Points are earned when shopping at departmental stores, Grocery shopping, Hotel expenses, and restaurant bills
- 2.5 Reward Points on Cellphone bills, Electricity Bills, Airlines Tickets,
- 2 Reward Points are earned when purchasing consumer durables, electronic items, or settling bar/pub bills
- 1.5 Reward Points are earned on Restaurant bills, books, Medical spends, Insurance premium, car rental, rail tickets, and movie tickets spends
- 0.5 Reward Points are earned on other spends
- 1 savings point = Re 0.50 or 0.5 airline mile
Note: From 1st March 2024 onwards, 1 Reward Point = Rs. 0.35 for all non-cash redemptions, except for airmiles.
Travel Insurance: Customers also get complimentary travel insurance which covers lost baggage, delayed baggage, missed connections, lost passport or lost ticket.
Fuel Surcharge Waiver: Users get a 1% fuel surcharge waiver and can save up to Rs. 1,200 annually on fuel spends worth Rs. 500 to Rs. 3,000.
Similar Credit Cards from Other Banks
| Credit Card | Annual Fee | Reward Points | Net Savings |
| IndusInd Bank Platinum Aura Credit Card | Rs. 899 | Earn 4 Reward Points at departmental stores, grocery shopping, Hotel expenses, and restaurant bills | Rs. 7,597* Rs. 14,797** |
| SBI SimplyCLICK Credit Card | Rs. 499 | Earn 2X reward points on weekends on the spending Rs. 100 | Rs. 9,271 Rs. 14,541* |
| ICICI Bank Coral Contactless Card | Rs. 500 | Earn 2 PAYBACK Points per Rs. 100 spent | Rs. 10,636* Rs. 15,772** |
| HDFC Platinum Times Credit Card | Rs.1,000 | Earn 3 reward points per Rs. 150 spent | Rs.5,444* Rs.8,288** |
*On spending Rs.2 lakh annually **On spending Rs.4 lakh annually
Fee and Charges
| Title | Details |
| Joining Fee | Rs. 500 |
| Annual Fee | Nil |
| Finance Charges | 3.83% per month (46% Annual) |
| Late Payment Charges | For balance- Below 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 |
Click here to check other associated fees and charges.
Eligibility and Documentation
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Minimum Income for Salaried Applicants | Rs. 30,000 per month |
| Minimum Income for Self-employed Applicants | Rs. 30,000 per month |
| Serviceable Cities | Click here for the list of eligible cities |
FAQs
What is Cash Advance fee?
It is a charge that a credit card issuer charges a customer for accessing the cash credit line on his or her account, either through an ATM, convenience check or at a bank’s teller window.
Is there any renewal fee for IndusInd Platinum Aura credit card?
No, there is no renewal fee for IndusInd Platinum Aura credit card.
How much can one claim against air accident from IndusInd Platinum Aura credit card?
One can claim Rs. 25 lakh against air accident.
What is the joining fee of IndusInd Platinum Aura credit card?
The joining fee of IndusInd Platinum Aura credit card is Rs. 899.
Other Credit Cards with Travel Benefits
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
| American Express® Platinum Travel Credit Card | Rs. 3,500 | Complimentary airport lounge visit per quarter 1 Membership Reward Point is earned for every Rs. 50 spent |
4.4/5 |
| Standard Chartered Emirates World Credit Card | Rs. 3,000 | Access to International Airport Lounges Enjoy Complimentary Golf Game once a year |
3.7/5 |
| MakeMyTrip ICICI Platinum Credit Card | NIL | Lemon Tree Hotel Vouchers worth Rs. 2000 as joining gift Get complimentary MMT Black Membership |
3.3/5 |
| Air India SBI Signature Credit Card | Rs. 4,999 | Up to 30 reward points for every Rs. 100 spent on Air India tickets booked through AirIndia website or mobile app | 3.5/5 |