IndusInd Bank Platinum Aura Edge Credit Card
The IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free Visa and Mastercard credit card that earns reward points across four spending plans: Shop, Home, Travel and Party. It also offers a fuel surcharge waiver, contactless payments and travel insurance cover. 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. 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.
- 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 provides 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
The travel insurance benefits are valid for 20 days of international travel. You must inform IndusInd Bank at least 48 hours before your international travel begins and within 48 hours of arriving in India, and a claim is eligible only if the booking is made using your IndusInd Bank credit card.
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% plus GST at the standard rate |
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 |
Dynamic Currency Conversion (DCC) fee | 2% plus GST on transactions made in Indian rupees at an international location or at overseas-registered merchants in India, w.e.f. 15 June 2026 |
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 21 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. |
Income | The applicant must have a minimum net monthly income of Rs.20,000. |
Note: Please reach out to the IndusInd Bank via customer service centre 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 Visa and Mastercard credit card that rewards everyday spending through the Shop, Home, Travel and Party plans, with a fuel surcharge waiver, travel insurance cover and contactless payments. It suits salaried and self-employed Indian residents who meet IndusInd Bank's eligibility criteria and want rewards without a joining or annual fee. Review the fees, eligibility and documents sections above, then apply 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 credit card from IndusInd Bank that rewards everyday spending through category-based reward plans. It also offers a fuel surcharge waiver, contactless payments and travel insurance cover. Its fees and charges are listed in the fees table above.
2.Is the IndusInd Bank Platinum Aura Edge Credit Card available on Visa and Mastercard?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card is offered on both the Visa and Mastercard networks. Both variants carry the same reward plans and features described on this page.
3.What are the main benefits of the IndusInd Bank Platinum Aura Edge Credit Card?
The IndusInd Bank Platinum Aura Edge Credit Card combines reward points, a fuel surcharge waiver, contactless payments, EMI conversion and travel insurance cover. Welcome vouchers and brand vouchers are also offered through partner brands. All benefits are subject to the bank's terms and conditions.
4.Which reward plans does the IndusInd Bank Platinum Aura Edge Credit Card offer?
The IndusInd Bank Platinum Aura Edge Credit Card offers the Shop, Home, Travel and Party reward plans, each rewarding a different set of spend categories. You can choose the plan that matches where you spend most. Category-wise rates are listed in the reward points tables above.
5.How do reward points work on the IndusInd Bank Platinum Aura Edge Credit Card?
You earn savings points on the IndusInd Bank Platinum Aura Edge Credit Card every time you spend in the categories covered by your chosen plan. All other spends earn points at a lower base rate. The exact points per category are given in the reward points tables above.
6.How can I redeem reward points on the IndusInd Bank Platinum Aura Edge Credit Card?
You can redeem reward points on the IndusInd Bank Platinum Aura Edge Credit Card against card dues, as airline miles or at participating merchants through Pay with Rewards. Cash redemption is subject to a cap and a redemption fee set by the bank. Check the current redemption terms before you redeem.
7.Does the IndusInd Bank Platinum Aura Edge Credit Card offer welcome vouchers?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card offers welcome vouchers from partner brands. The brands change at the discretion of the bank and its voucher partner, and the welcome gift applies only on select fee plans, so check the current terms before applying.
8.Does the IndusInd Bank Platinum Aura Edge Credit Card offer a fuel surcharge waiver?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card offers a fuel surcharge waiver at petrol pumps across India, within a set transaction range and a cap per billing cycle. Fuel transactions do not earn reward points on this card. The current limits are listed in the features section above.
9.What security features does the IndusInd Bank Platinum Aura Edge Credit Card have?
The IndusInd Bank Platinum Aura Edge Credit Card has an EMV chip that encrypts each transaction and protection against loss, theft and fraudulent use of the card. Cover under the lost card liability terms depends on prompt reporting to the bank. Terms and conditions apply.
10.Does the IndusInd Bank Platinum Aura Edge Credit Card include travel insurance?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card offers travel insurance cover for events such as delayed or lost baggage, loss of passport, lost tickets and missed connections. The cover limits are given in the travel plan section above. Claims are subject to the insurer's terms and conditions.
11.How does contactless payment work on the IndusInd Bank Platinum Aura Edge Credit Card?
You can tap your IndusInd Bank Platinum Aura Edge Credit Card at a contactless-enabled terminal instead of inserting or swiping it. Smaller transactions can be completed without entering a PIN. The card also works at standard card terminals.
12.Can I convert purchases into EMIs with the IndusInd Bank Platinum Aura Edge Credit Card?
Yes, the Easy EMI feature on the IndusInd Bank Platinum Aura Edge Credit Card lets you convert large purchases into monthly instalments. The eligibility, tenure and charges for EMI conversion are set by IndusInd Bank, so check the current terms before converting.
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