IndusInd Platinum Aura Edge Credit Card

IndusInd Platinum Aura Edge Credit Card is an entry-level credit card that offers benefits primarily through its rewards program. It comes with a unique reward structure by offering points across four different plans—Home, Shop, Travel, and Party—each catering to different spending categories. Cardholders have the flexibility to choose a plan based on their lifestyle and maximize their rewards accordingly.

The card offers a reward rate of up to 4 points per Rs. 100 spent on everyday categories such as groceries, travel bookings, and departmental stores. However, for other spends, the base reward rate is quite low at 0.5 points per Rs. 100 spent.

The card allows reward redemption across multiple options, including cash credit, conversion into air miles (limited to KrisFlyer Miles), and ‘Pay with Points’ at partner merchants. However, one limitation is that cardholders must select a rewards plan at the time of activation and can only change it after 6 months, which may be inconvenient for some users.

Apart from the rewards program, the card also offers complimentary vouchers of top brands as welcome benefits, a fuel surcharge waiver, and insurance coverage, further enhancing its value. Overall, this is a basic entry-level credit card best suited for consumers who want to maximize their everyday spends through reward points.