IndusInd Bank Platinum Aura Edge Credit Card
The IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free card that earns reward points across four spending plans and adds a fuel surcharge waiver, travel insurance cover and contactless payments. It suits salaried and self-employed Indian residents who want everyday rewards with no joining or annual fee.
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Fee Details
- 1st Year - ₹ 0
- 2nd Year Onwards - ₹ 0
Joining Perks
- ₹250 Amazon Pay/Swiggy/Zomato voucher*
Rewards
- Department stores: ₹ 100 = 4 points
- Consumer durables/electronic items: ₹ 100 = 2 points
- Restaurants: ₹ 100 = 1.5 points
- Books: ₹ 100 = 1.5 points
- Others: ₹ 100 = 0.5 points
Documents
- PAN card
- Aadhaar number
What you'll love
Earn up to 8X Reward Points on select merchant categories
Lifetime FREE - no joining fee or annual fee
Flexibility to choose your Reward Plans to match your lifestyle
1% fuel-surcharge waiver at petrol bunks on transactions between ₹500 & ₹3,000, up to ₹100 per billing cycle
Redeem reward points towards cash credit (1RP = ₹0.40)
Redeem reward points towards non-cash credit (1RP = ₹0.50)
0.5 points on every ₹ 100 spent on all other categories
Multiple reward redemption options including IndusMoments, airline miles, cash credit and Pay with Rewards
Redeem up to 10,000 reward points against KrisFlyer Miles in a month
Redeem up to 2,500 reward points against cash credit in a month
Travel insurance cover of up to ₹1,00,000 on lost baggage/passport/ticket & missed connection flight
*Visa Offer: ₹250 Amazon Pay/Swiggy/Zomato voucher on activating new card with min. transaction of ₹300*
Current month offers:*
Zepto: ₹100 off (min. spend of ₹999)
Ajio: ₹150 off (min. spend of ₹1,299)
Bata: 15% off (min. spend of ₹750)
Max Fashion: ₹250 off (min. spend of ₹1499)
Think about
Fuel transactions will not accrue reward points
Max. 2,500 reward points allowed for cash redemption per month, w.e.f 1st Sep 2024
Min. 500 reward points required for redemption towards cash credit & airline miles
*Limited validity. T&C apply
- Click for Card Monthly Offers
What is an IndusInd Bank Platinum Aura Edge Credit Card?
The IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free card that offers up to 8X reward points on selected categories, fuel surcharge waivers, travel insurance benefits, and contactless payment features. Cardholders will receive welcome vouchers from top brands such as Amazon and Flipkart, making it a valuable choice for everyday spending and lifestyle perks.
Features and Benefits of IndusInd Bank Platinum Aura Edge Credit Card
The features and benefits of the IndusInd Bank Platinum Aura Edge Credit Card are mentioned below:
Feature | Details |
Earn Rewards | Earn up to 8× reward points on select categories for every Rs.100 spent. Categories include groceries, dining, travel, electronics and more depending on the chosen plan. Cash redemption is capped at 2,500 points per month from 1 September 2024. |
Reward Plans | Choose from Shop, Home, Travel or Party plans. These plans are designed around different spending habits and help maximise value in the categories you use most. |
Pay with Rewards | Redeem reward points directly at participating merchants. This helps reduce out-of-pocket expenses and makes everyday purchases more cost-efficient. |
Welcome Gifts | Complimentary vouchers from Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber and Ola. These vouchers cover shopping, essentials, entertainment and travel and add instant value for new cardholders. |
Brand Vouchers | Access Vouchagram Premium vouchers from brands such as BATA, Pantaloons, Raymonds and Hush Puppies. These vouchers are ideal for fashion and lifestyle purchases and help deliver premium savings. |
Fuel Surcharge Waiver | Get a 1% fuel surcharge waiver at petrol stations across India. The benefit is valid on transactions between Rs.500 and Rs.3,000 and allows savings of up to Rs.100 per billing cycle. |
Security and Protection Benefits
The card includes several protection features to ensure safe transactions and financial security.
- Comprehensive Protection: Covered under Total Protect for loss, theft and fraudulent transactions, helping safeguard the card from unauthorised usage.
- Chip Security: The EMV chip encrypts each transaction, reducing the risk of cloning and data theft during payments.
- Air Accident Insurance: Complimentary air accident insurance coverage of up to Rs.25 lakh provides financial protection while travelling.
- Travel Cover: Protection against travel disruptions such as lost or delayed baggage, passport loss, ticket loss and missed connections.
Convenience and Payment Features
The IndusInd Bank Platinum Aura Edge Credit Card also offers several payment and usage conveniences.
- Easy EMI: Convert large purchases into manageable monthly instalments for improved cash-flow management.
- Bill and Ticket Payments: Use the card to pay utility bills, book movie tickets, shop online and manage travel bookings.
- Contactless Payments: Tap-and-pay functionality allows faster checkout without entering a PIN for smaller transactions.
- Global Acceptance: Accepted at over 1 million outlets in India and more than 30 million outlets worldwide.
- Compatibility: Works smoothly with international payment systems for both online and offline transactions.
Fees and Charges
- Lifetime-Free Option: Eligible cardholders can enjoy no joining or annual fee while still accessing rewards and card benefits.
- Standard Charges: Finance charges, late payment fees and cash withdrawal charges apply as per the bank’s terms and conditions.
IndusInd Bank Platinum Aura Edge Credit Card Travel Plan
IndusInd Bank has tied up with the Oriental Insurance Company to provide cardholders with the following travel insurance coverage under its Aura Edge Travel Plan:
Travel Insurance Cover
Coverage | Sum Assured* |
Delayed baggage | Rs.25,000 |
Lost Baggage | Rs.1 lakh |
Lost Ticket | Rs.25,000 |
Loss of Passport | Rs.50,000 |
Missed connection | Rs.25,000 |
*Terms and Conditions apply
IndusInd Bank Platinum Aura Edge Credit Card Reward Points
Platinum Aura Edge Shop Plan
Spend Categories | Savings points on Rs 100 spent |
Shopping in departmental stores | 4 savings points |
Purchase of consumer durables or electronic items | 2 savings points |
Restaurant bills | 1.5 savings points |
Books | 1.5 savings points |
All other spends | 0.5 savings points |
Note: Fuel transactions will not earn any reward points which are in effect from 1 April 2018.
1 savings point is worth Re.0.50 in cash value, or 0.5 airline mile, when redeemed.
Platinum Aura Edge Home Plan
Spend Categories | Savings points on Rs 100 spent |
Grocery shopping | 4 savings points |
Cellphone bills | 1.4 savings points |
Electricity bills | 1.4 savings points |
Insurance premium | 1.4 savings points |
Medical spends | 1.5 savings points |
All other spends | 0.5 savings points |
Platinum Aura Edge Travel Plan
Spend Categories | Savings points on Rs 100 spent |
Hotel expenses | 4 savings points |
Airline tickets | 2.5 savings points |
Car rental expenses | 1.5 savings points |
Rail tickets | 1.5 savings points |
All other spends | 0.5 savings points |
Platinum Aura Edge Party Plan
Spend Categories | Savings points on Rs 100 spent |
Restaurant bills | 4 savings points |
Shopping in departmental stores | 2 savings points |
Payments in bars and pubs | 2 savings points |
Movie tickets | 1.5 savings points |
All other spends | 0.5 savings points |
How to Apply for IndusInd Bank Platinum Aura Edge Credit Card?
Follow the steps given below to apply for this credit card on the BankBazaar website:
Step 1: Click on the 'Apply Now' button at the top of this page.
Step 2: You will be redirected to the eligibility criteria form on the next page.
Step 3: Once your details are given, the application page will be displayed to eligible applicants.
Step 4: Complete the online application form and click the 'Submit' option.
Step 5: Upload and submit the required documents.
Once the documents are submitted, you will receive an acknowledgement message with the Application ID on your registered mobile number. You can use this Application ID to track the status of your credit card application on the BankBazaar website.
IndusInd Bank Platinum Aura Edge Credit Card Fees and Charges
The fees and charges of IndusInd Bank Platinum Aura Edge credit cards are mentioned in the table below:
Type of Charge | Fee |
Joining fee and Annual Fee | Nil |
Add-on credit card fee | Nil |
Interest charges |
|
Late payment fees |
|
Over limit charges | 2.5% of Over Limit Amount subject to a minimum of Rs.500 |
Returned cheque | Rs.250 |
Cash advance charges | 2.5% of the advance amount subject to a minimum of Rs.300 |
Foreign currency markup | 3.50% (1.8% applies at select preferred international destinations; 3.50% applies at all other overseas destinations) |
Balance Enquiry Charges on Non-IndusInd Bank ATMs | Rs.25 |
Machine Surcharge at ATMs | Passed at applicable rates to customer |
Outstation Cheque Processing Fee | Please note that the outstation cheques only from IndusInd Bank locations can be accepted |
Cash Payment Fee at IndusInd Bank Branch | Rs.100 |
Duplicate Statement Request | Rs.100 per statement (after three months) |
Re-issue/Replacement | Rs.100 |
Charge-slip Request | Rs.300 |
Reward Redemption Fee (Cash Redemption) | Rs.149 w.e.f. 1 April 2025 |
Note: The interest rates are effective from 15 June 2026.
Eligibility Criteria for IndusInd Bank Platinum Aura Edge Credit Card
The eligibility criteria for IndusInd Bank Platinum Aura Edge credit card are mentioned below:
Age | The applicant must be at least 18 years old. |
Nationality | He or she must be a citizen of India. |
Employment status | The applicant must be either salaried or self-employed. |
Credit Score | The applicants who hold a good credit score have a higher chance of being eligible for the card. |
Note: Please reach out to the IndusInd Bank via customer service center or by visiting the bank branch to learn more about the eligibility criteria for IndusInd Bank Platinum Aura Edge credit card.
Documents Required for IndusInd Bank Platinum Aura Edge Credit Card
The documents required to apply for IndusInd Bank Platinum Aura Edge credit card are listed in the table below:
Proof of Address | Identity Proof | Income Proof |
Salary Slip | ||
Aadhaar Card | ||
PAN | ||
Voter ID | - | - |
- | - |
Note:
- Please contact the IndusInd Bank to find out more details about the documents required to apply for IndusInd Bank Platinum Aura edge credit card.
- Physical documents are not required if the card is applied online.
- If the current address is different from that mentioned in Aadhaar card, then provide residential proof.
Summary
The IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free card that rewards everyday spending through four tailored plans - Shop, Home, Travel and Party - alongside a fuel surcharge waiver, travel insurance cover and contactless payments. It suits salaried and self-employed Indian residents aged 18 and above who want lifestyle rewards without a joining or annual fee. Check the eligibility and fees sections above before applying online through BankBazaar.
FAQs on IndusInd Bank Platinum Aura Edge Credit Card
1.What is the IndusInd Bank Platinum Aura Edge Credit Card?
The IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free credit card that offers reward points across multiple spending categories, a fuel surcharge waiver, travel insurance cover and contactless payments. It is designed for everyday spending and lifestyle benefits.
2.What reward plans does the IndusInd Bank Platinum Aura Edge Credit Card offer?
The card offers four reward plans - Shop, Home, Travel and Party - each accelerating rewards on a different set of spending categories. Cardholders choose the plan that best matches their spending habits.
3.Does the IndusInd Bank Platinum Aura Edge Credit Card offer a fuel surcharge waiver?
Yes, the card offers a fuel surcharge waiver on eligible transactions at petrol stations across India, subject to the bank's terms and conditions. The exact waiver percentage and limits are listed in the fees table above.
4.What security and protection benefits come with the IndusInd Bank Platinum Aura Edge Credit Card?
The card includes Total Protect coverage against loss, theft and fraudulent transactions, EMV chip encryption, air accident insurance and travel protection cover. These features are designed to keep transactions and travel secure.
5.What payment and convenience features does the IndusInd Bank Platinum Aura Edge Credit Card provide?
Cardholders can convert purchases into EMIs, pay bills and book tickets, make contactless payments, and use the card at a wide network of merchant outlets in India and abroad. It also works with international payment systems.
6.Does the IndusInd Bank Platinum Aura Edge Credit Card charge a joining or annual fee?
No, the IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free card with no joining or annual fee. Other applicable charges, such as interest and cash advance fees, are listed in the fees table above.
7.What does the IndusInd Bank Platinum Aura Edge Credit Card Travel Plan cover?
The Travel Plan provides insurance cover for situations such as delayed or lost baggage, lost tickets, loss of passport and missed connections, arranged through the bank's insurance partner. The specific sum-assured amounts are listed in the travel plan table above.
8.How are reward points calculated under the IndusInd Bank Platinum Aura Edge Credit Card plans?
Each of the Shop, Home, Travel and Party plans awards savings points on spending in specific categories, such as shopping, groceries, travel and dining. The exact points per category are listed in the reward points tables above.
9.How do I apply for the IndusInd Bank Platinum Aura Edge Credit Card?
You can apply for the IndusInd Bank Platinum Aura Edge Credit Card on the BankBazaar website by clicking 'Apply Now', completing the eligibility and application forms, and submitting the required documents. An Application ID is sent by SMS to track the application.
10.What fees and charges apply to the IndusInd Bank Platinum Aura Edge Credit Card?
Charges such as interest, late payment and cash advance fees apply to the IndusInd Bank Platinum Aura Edge Credit Card and are listed in the fees and charges table above. These charges are revised from time to time by the bank.
11.Who is eligible to apply for the IndusInd Bank Platinum Aura Edge Credit Card?
Indian residents aged 18 years or above who are salaried or self-employed can apply for the IndusInd Bank Platinum Aura Edge Credit Card, subject to the bank's credit assessment. A good credit score improves the chances of approval.
12.What documents are required for the IndusInd Bank Platinum Aura Edge Credit Card?
Applicants need proof of address, identity proof and income proof, as listed in the documents table above. Physical documents are not required when the IndusInd Bank Platinum Aura Edge Credit Card is applied for online.
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