IndusInd Bank Platinum Aura Edge Credit Card
Updated on August 27, 2026

🎖️Reward Rate
Base Rewards: 0.5 to 4 Savings Points per ₹100 (Up to 4 Savings Points per ₹100 based on selected Platinum Aura reward plan)
Overview
IndusInd Bank Platinum Aura Edge Credit Card by IndusInd Bank provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 0.5 to 4 Savings Points per ₹100 (Up to 4 Savings Points per ₹100 based on selected Platinum Aura reward plan)
- • Accelerated Rewards: Choose from 4 customized reward plans: 1) Platinum Aura Shop Plan (4 pts on Department stores), 2) Travel Plan (4 pts on airlines & car rental), 3) Party Plan (4 pts on dining & bars), 4) Home Plan (4 pts on groceries & cell phone bills)
- • Excluded Categories: Fuel purchases
- • Wallet top-ups
- • Cash advances
Welcome Benefit
Welcome gift vouchers from luxury brands and e-commerce platforms upon initial card activation and payment of joining fees.; Qualification Criteria: Card activation and first spend within 30 days; Fulfillment Timeline: Dispatched within 30 days
Milestone Benefit
Spend ₹2 Lakhs (Annual): Bonus reward points acceleration on milestone annual spend thresholds; Annual Fee Waiver: Lifetime Free Card / Nominal joining fee with zero annual renewal charge
Redemption
- • Direct cash credit settlement against card statement at 1 Savings Point = ₹0.50
- • Vouchers for shopping, dining and electronics on IndusMoments portal
- • Airline partner miles conversion
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month) on fuel transactions between ₹400 and ₹4000
- Aura Edge Tap & Pay Fast Transactions: Equipped with contactless chip technology for secure, instantaneous tap-and-pay transactions up to ₹5,000 without PIN prompt. (Fast checkout at all NFC merchant terminals
- Advanced encryption & fraud monitoring) [Partners: Visa payWave, Mastercard Contactless]
- 1% Fuel Surcharge Waiver: Complete 1% fuel surcharge waiver on all petrol pumps across India for transactions between ₹400 and ₹4,000. (Max waiver ₹250 per month
- Valid across all HPCL, IOCL, BPCL petrol pumps) [Partners: All fuel outlets across India]
- Total Protect Zero Lost Card Liability: Comprehensive coverage against fraudulent unauthorized transactions up to 48 hours prior to intimation of card loss. (Covers up to full sanctioned credit limit
- 24x7 IndusInd fraud prevention hotline) [Partners: IndusInd Total Protect]
Things to Know Before you apply
IndusInd Bank Platinum Aura Edge Credit Card Eligibility Criteria
- Age: 21–65 years
- Net monthly salary > ₹35,000 for salaried; Annual ITR > ₹4,50,000 for self-employed
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹300) |
Fee waiver: Lifetime Free Card / Nominal joining fee with zero annual renewal charge
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
IndusInd Bank Platinum Aura Edge Credit Card issued by IndusInd Bank is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 0.5 to 4 Savings Points per ₹100 (Up to 4 Savings Points per ₹100 based on selected Platinum Aura reward plan)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
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- • Welcome gift vouchers from luxury brands and e-commerce platforms upon initial card activation and payment of joining fees.
- • Qualification Criteria: Card activation and first spend within 30 days
- • Fulfillment Timeline: Dispatched within 30 days
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
- • Base Rewards: 0.5 to 4 Savings Points per ₹100 (Up to 4 Savings Points per ₹100 based on selected Platinum Aura reward plan)
- • Accelerated Rewards: Choose from 4 customized reward plans: 1) Platinum Aura Shop Plan (4 pts on Department stores), 2) Travel Plan (4 pts on airlines & car rental), 3) Party Plan (4 pts on dining & bars), 4) Home Plan (4 pts on groceries & cell phone bills)
- • Excluded Categories: Fuel purchases
- • Wallet top-ups
- • Cash advances
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
- • Base Rewards: 0.5 to 4 Savings Points per ₹100 (Up to 4 Savings Points per ₹100 based on selected Platinum Aura reward plan)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified

