IndusInd Platinum Aura Edge Credit Card is a shopping credit card that offers flexible reward plans on categories like departmental store spends, consumer durable spends, movie ticket bookings, bill payments and more. This card is well suited for the customers who are new to credit as it comes with a relaxed eligibility criteria. You can consider applying for this credit card if you love to travel and shop.
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Key Highlights of IndusInd Bank Platinum Aura Edge Credit Card | |
 | |
| Best Suited for | Shopping |
| Joining Fee | Rs. 500 |
| Renewal Fee | Nil |
| Minimum Income Requirement | Rs. 25,000 p.m. |
| Welcome Benefits | Nil |
| Best Feature | 4 savings points per Rs. 100 spent at departmental stores and grocery |
| Paisabazaar’s Rating | ★★★ (3/5) |
Best IndusInd Bank Credit Cards | Check Eligibility & Apply Online
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IndusInd Platinum Aura Edge Credit Card offers a good value back for your purchases in the form of reward points. Besides this, you can also earn other benefits like fuel surcharge waiver, insurance coverage and complimentary vouchers. Here are all the IndusInd Platinum Aura Edge Credit Card benefits:
This credit card has a rewards plan under which you are awarded with reward points based on your spending category. You can earn the maximum reward points on shopping at departmental stores, grocery purchases, hotel expenses, and restaurant bills. You can choose from the following reward plans to earn savings points across various categories:
Platinum Aura Edge Shop Plan:
| Spend Categories | Savings Points on Rs. 100 Spent |
| Shopping at departmental stores | 4 Savings Points |
| Purchase of consumer durable or electronic items | 2 Savings Points |
| Restaurant bills & books | 1.5 Savings Points |
| All other spends on your card | 0.5 Savings Points |
Platinum Aura Edge Home Plan:
| Spend Categories | Savings Points on Rs. 100 Spent |
| Grocery shopping | 4 Savings Points |
| Cellphone & electricity bills | 2.5 Savings Points |
| Insurance premium & medical spends | 1.5 Savings Points |
| All other spends on your card | 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 & rail tickets | 1.5 Savings Points |
| All other spends on your card | 0.5 Savings Points |
Platinum Aura Edge Party Plan:
| Spend Categories | Savings Points on Rs. 100 Spent |
| Restaurant bills | 4 Savings Points |
| Shopping at departmental stores, payments in bars and pubs | 2 Savings Points |
| Movie tickets | 1.5 Savings Points |
| All other spends on your card | 0.5 Savings Points |
Reward Redemption Options:
You can redeem the earned savings points against a variety of categories. The value of 1 savings point is equals to Re. 0.50 or 0.5 Airline Mile.
You can redeem maximum 10,000 reward points in one statement cycle for IndusInd Bank Platinum Aura Edge Credit Card against cash credit option at the value of 1 savings point – Re. 0.40 of cash value. You can call on the phone banking number i.e. 18602677777 to redeem your reward points against the above-mentioned reward redemption options. Visit bank’s website for other terms and conditions.
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Some of the other IndusInd Platinum Aura Edge Credit Card benefits offered are mentioned below:
Welcome Benefit: Vouchers of top brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola, Bata, Vero Moda and more.
Insurance Coverage: You can avail insurance coverage of up to Rs. 25 lakh as per the below details:
Fuel Surcharge Waiver: 1% fuel surcharge waiver across all petrol pumps in India on transactions between Rs. 400 to Rs. 4,000.
Below mentioned are the fees and charges associated with this credit card:
| Fee/Charge | Amount/Rate |
| Joining Fee | Rs. 500 |
| Annual Fee | Nil |
| Finance Charges | 3.95% p.m. (47.40% p.a.) |
| Late Payment Charges | For Statement Balance:
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Click here to know about fees and charges in detail.
The applicant must fulfil the below eligibility criteria to apply for this credit card:
| Eligibility Criteria | Details |
| Age Requirement | 21 to 60 years |
| Occupation | Salaried or Self-employed |
| Minimum Income Requirement | Rs. 25,000 per month |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
IndusInd Platinum Aura Edge Credit Card is an entry-level credit card that offers decent reward points on your transactions. This is a suitable option if you frequently make transactions at departmental stores, restaurants and bill payments. You can earn up to 4X reward points on these categories and up to 2.5X reward points on cellphone & electricity bill payments and booking airline tickets. Besides rewards, this credit card does not have much to offer, you can earn basic benefits like fuel surcharge waiver or insurance coverage, which are offered on most of the entry-level credit cards. One of the things that make this credit card different from others is that it comes with zero annual fee. So, you can earn all the benefits without any fee from the second year onwards. Overall, this is a decent option if your goal is to achieve reward points on your transactions and you don’t want to pay an annual fee.
Suggested Read: Best Credit Cards in India
Some of the other credit cards that offer similar benefits are mentioned in the table below:
| Credit Card | Annual/ Joining Fee | Best Feature |
| HSBC Smart Value Credit Card | Nil | 3 reward points per Rs. 100 spent on online, dining and telecom categories |
| SBI SimplyCLICK Credit Card | Rs. 499 | Up to 10X reward points on select spends |
| HDFC MoneyBack+ Credit Card | Rs. 500 | 10X CashPoints on purchases at Amazon, Swiggy, BigBasket, Reliance Smart SuperStore and Flipkart |
| Axis Bank ACE Credit Card | Rs. 499 | 5% cashback on bill payments, DTH, and mobile recharges via Google Pay |
| Amazon Pay ICICI Credit Card | Nil | 5% cashback for Amazon Prime users on Amazon spends |
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Q. How can I apply for IndusInd Platinum Aura Edge Credit Card?
A. You can apply for this credit card online by visiting the official website of the bank. All you need to do is look for this credit card and submit the application form. You can also visit any of the nearest branches of the bank to apply for this card. This credit card is also available on our platform, you can click here to apply for it.
Q. Are there any fuel benefits offered on IndusInd Platinum Aura Edge Credit Card?
A. Yes, this credit card offers a fuel surcharge waiver of 1% on your fuel expenses. However, this is applicable only on your transactions between Rs. 400 to Rs. 4,000.
Q. What should I do if I lose my IndusInd Platinum Aura Edge Credit Card?
A. As soon as you notice the loss of your card or a fraudulent transaction, you must inform the bank by calling on the customer care number – 1860 267 7777. The representative will ask a few questions for confirmation and block your card.
Q. How can I check the application status of my IndusInd Platinum Aura Edge Credit Card?
A. You can check the application status of your card by visiting the official website of the bank. You are required to enter the application number to track your status. Besides this, the bank also sends a text on your registered mobile number regarding your application status.
Q. What is the credit limit offered on IndusInd Platinum Aura Edge Credit Card?
A. The credit limit varies from applicant to applicant. The bank decides your credit limit after scrutinizing your application form. Your credit limit is decided based on your income, payment history, debt and more. Therefore, you will get to know about your credit limit when you receive your credit card.
Q. What is the forex markup fee charged on IndusInd Platinum Aura Edge Credit Card?
A. IndusInd Platinum Aura Edge Credit Card charges a forex markup fee of 3.5% on your foreign currency transaction. Hence, this is not a suitable option for international transactions. You can look for other credit cards available in the market if you want to save on your international transactions.
