IndusInd Bank Platinum Aura Edge Credit Card

Overview

IndusInd Bank Platinum Aura Edge Credit Card by IndusInd Bank provides premium value tailored for Mid-Premium cardholders.

Rewards

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

Fees & Charges

Fee waiver: Lifetime Free Card / Nominal joining fee with zero annual renewal charge

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Rating

4.9/5

5.0/5

Highest rated

4.5/5

Fee Details

Joining Fee

₹500

Annual/Renewal Fee

Free

Lowest annual fee

Joining Fee

₹7,000

Annual/Renewal Fee

₹7,000

Joining Fee

₹499

Annual/Renewal Fee

₹499

Lowest joining fee

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

• • 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.

Reward/Cashback 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

• • 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

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

• • 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

Cons

• • 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