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Last updated: 01-06-2026
IndusInd Bank Platinum Aura Edge Credit Card
Indusind Bank

IndusInd Bank Platinum Aura Edge Credit Card

"IndusInd's mid-range all-rounder โ€” rewards on utilities, insurance and government spends (rare), 2 domestic lounge visits per quarter and low 1.8% forex markup"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST (often LTF for select customers)
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
Regular spenders who make significant utility, insurance and government payments and want to earn rewards on these categories; those wanting low forex markup and lounge access at an entry fee
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.40 for cash credit; transferable to Krisflyer and other airline partners)
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on IndusInd Bank website
๐Ÿ’ฐ Reward Rate
2 RPs per โ‚น100 on all domestic and international retail spends; earns on utilities, insurance, government, education โ€” categories excluded by most cards; excludes fuel and cash advances; RPs valid 3 years
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
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โœ… Pros
  • Earns rewards on utilities, insurance, government, education โ€” rare feature
  • Low 1.8% forex markup
  • 2 domestic lounge visits per quarter
  • Buy 1 Get 1 movies
  • 15% off at 2,500+ restaurants
  • Air accident cover โ‚น25 lakh
  • Krisflyer mile transfer 1:1
  • Low โ‚น500 fee with easy โ‚น2L waiver
โŒ Cons
  • Base reward rate 0.5% is average
  • Cash credit capped at 2,500 RPs per billing cycle
  • High interest rate 3.83% per month
  • New June 2026 fuel charge above โ‚น30K
  • Redemption fee โ‚น100 + taxes
  • Lounge requires โ‚น25K quarterly spend

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.40 for cash credit; transferable to Krisflyer and other airline partners)
Welcome Benefits
Check current welcome offer on IndusInd Bank website
Reward Rate
2 RPs per โ‚น100 on all domestic and international retail spends; earns on utilities, insurance, government, education โ€” categories excluded by most cards; excludes fuel and cash advances; RPs valid 3 years
Reward Redemption
IndusInd IndusMoments portal: cash credit at 1 RP = โ‚น0.40 (max 2,500 RPs per billing cycle); Krisflyer miles 1:1; merchandise; vouchers; redemption fee โ‚น100 + taxes
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น4,000
Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น25,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น2 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น2L spend; bonus RPs on annual spend milestones
Other Benefits
Rewards on utilities, insurance, government, education (rare); low 1.8% forex markup; 2 domestic lounge visits per quarter; Buy 1 Get 1 movies via BookMyShow; 15% off at 2,500+ restaurants via dining programme; air accident cover โ‚น25 lakh; travel insurance (lost baggage, delayed baggage, missed connection); Roadside Auto Assist; Krisflyer transfer partner

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Air accident cover โ‚น25 lakh; travel insurance; zero card liability
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
Rewards on utilities and government; 1.8% forex; 2 lounge visits per quarter; BOGO movies; dining 15% off

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST (often LTF for select customers)
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.83% per month (45.96% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น300
Late Payment Charges
As per IndusInd Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
From June 15 2026: 1% fee on cumulative fuel spends above โ‚น30,000 per statement cycle; redemption fee โ‚น100 + taxes; cash credit capped at 2,500 RPs per billing cycle; lounge requires โ‚น25K quarterly spend

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; salaried or self-employed; minimum monthly income โ‚น25,000; Indian resident
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and IndusInd Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per IndusInd Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via IndusMobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero card liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-267-7777 (24x7)
Chat / Email Support
Chat via IndusMobile app
Mobile App
IndusInd IndusMobile app
Online Banking
IndusInd Bank website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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