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1st Year Fee: ₹499* Plus Applicable Taxes
Rewards
2 reward points per Rs. 100 spent
Fuel
Uncapped 1% fuel surcharge waiver
Travel
Redeem rewards against Airmiles
Author: Shruti Sharma
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IndusInd Platinum RuPay Credit Card is a rewards credit card designed for consumers who frequently make UPI payments and want to earn reward points on everyday transactions. Cardholders can earn 2 reward points per Rs. 100 spent through UPI and 1 reward point per Rs. 100 spent on non-UPI transactions. The card also offers additional rewards on select merchant categories and multiple redemption options, including cash credit, airline miles and rewards from the IndusMoments catalogue.
Apart from rewards, the card offers uncapped 1% fuel surcharge waiver on eligible fuel transactions between Rs. 400 and Rs. 4,000 across petrol pumps in India. Overall, this RuPay credit card can be a suitable option for consumers looking for a credit card offering rewards on everyday spends. Consumers looking for a lifetime free IndusInd Bank credit card can also consider IndusInd Platinum Credit Card which comes with no joining & annual fees.
Reward Earning
Reward Redemption


Fuel Benefit
Insurance Coverage
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||
| Finance Charges | 3.95% p.m. (47.40% p.a.) | ||||||||||||||||
| Late Payment Charges |
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You frequently make UPI payments and want to earn accelerated reward points
You want to earn basic rewards on non-UPI transactions
You regularly spend on fuel and want a fuel surcharge waiver
You are looking for an entry-level credit card with basic benefits
Rewards3.0/5
Lifestyle Benefits3.0/5
IndusInd Platinum RuPay Credit Card stands out for its focus on UPI payments and everyday spending. The 2 reward points per Rs. 100 on eligible UPI transactions make it relevant for consumers who regularly use UPI for merchant payments. The additional 1 reward point per Rs. 100 on eligible non-UPI transactions also allows cardholders to accumulate rewards through other spending channels. The uncapped 1% fuel surcharge waiver is another practical benefit for regular fuel spenders. Overall, IndusInd Platinum RuPay Credit Card is suitable for consumers who frequently make eligible UPI payments and want to earn accelerated reward points on everyday transactions.
Everything you need to know about this credit card
Cardholders can earn 2 reward points per Rs. 100 spent on eligible UPI transactions. The reward points are subject to the bank\'s applicable terms and exclusions.
Reward points can be redeemed as cash credit at a rate of 1 reward point = Rs. 0.35. Cardholders can also convert 400 reward points into 100 KrisFlyer miles or choose from the available options on the IndusMoments rewards catalogue and Pay with Rewards programme.
Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions between Rs. 400 and Rs. 4,000 across petrol pumps in India.
Yes. The card can be linked to supported UPI apps for eligible merchant payments. Cardholders can select the linked RuPay credit card as the payment method when making a supported merchant transaction and authenticate the payment using the required UPI PIN.
Yes. The card can be suitable for consumers who regularly make eligible UPI payments and want to earn reward points on everyday spends.
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Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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