IndusInd Platinum Aura Edge Credit Card
Shopping
Reward Points
Shopping
Up to 8X rewards on shopping
Lifestyle
Free vouchers on top brands
Travel
Up to 8X rewards on travel spends
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
Don't worry, this will not affect your credit score
The entered number doesn't seem to be correct
About 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.
Rewards Program
Cardholders can choose from the plans below based on their lifestyle and spending preferences:
Platinum Aura Edge Shop Plan:
- 4 Savings Points per Rs. 100 spent on shopping at departmental stores
- 2 Savings Points per Rs. 100 spent on purchase of consumer durable or electronic items
- 1.5 Savings Points per Rs. 100 spent on restaurant bills & books
- 0.5 Savings Points per Rs. 100 spent on other categories
Platinum Aura Edge Home Plan:
- 4 Savings Points per Rs. 100 spent on grocery shopping
Other Features & Benefits
Welcome Benefit
- Vouchers of top brands, including EaseMyTrip, Bath & Body Works, Ixigo, Domino’s, Marks & Spencer, Nykaa, MakeMyTrip and more on the payment of joining fee
Fuel Surcharge Waiver
- 1% fuel surcharge waiver, up to Rs. 100 per billing cycle, across all petrol pumps in India on transactions between Rs. 500 and Rs. 3,000
Insurance Benefits
- Lost Baggage: Rs. 1 Lakh
- Delayed Baggage: Rs. 25,000
Fees and Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||
| Finance Charges | 3.95% p.m. | 47.40% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You want customizable reward points based on your lifestyle
You want multiple reward point redemption options such as cash credit, air miles, or pay with points
You are looking for a lifetime free card with basic benefits
Other Similar Credit Cards
Axis Bank ACE Credit Card
HDFC Millennia Credit Card
YES Bank Paisabazaar PaisaSave Credit Card
Paisabazaar Review
What do we like about this card?
IndusInd Platinum Aura Edge Credit Card is a lifetime free card, best suited for consumers looking to start their credit journey due to its relaxed eligibility criteria. What makes this card stand out is its unique reward structure, allowing cardholders to choose reward plans—Home, Shop, Travel, or Party—based on their lifestyle and spending preferences. Additionally, the card offers complimentary vouchers from top brands like EaseMyTrip, Domino’s, Nykaa, Marks & Spencer, and more as welcome benefits, further enhancing its overall value.
Pros
- Customizable reward points based on your lifestyle
- No joining or annual fee (lifetime free)
- Complimentary vouchers from top brands as welcome benefits
- Multiple reward redemption options – cash credit, air miles, and more
Cons
- Low base reward rate on general spends
- No travel or lifestyle benefits like lounge access, free movie tickets, etc.
- Capping on reward points redemption, which may limit value for high spenders
Conclusion
While IndusInd Platinum Aura Edge Credit Card stands out for its unique reward structure, it falls short in terms of additional benefits. Apart from the rewards program and welcome benefits, the card does not have much to offer. The base reward rate of 0.5 points per Rs. 100 spent is quite low for general spends. However, cardholders who frequently spend on accelerated categories such as travel bookings, departmental stores, and groceries can avail better value. It is also important to note that reward redemption comes with a monthly capping, which limits the overall benefit. This card is a suitable option for consumers looking for a lifetime free card with basic benefits.
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for this credit card through our Platform by filling out the application form. Besides this, you can also apply 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 in person.
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. 500 and Rs. 3,000.
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.
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.
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.
IndusInd Platinum Aura Edge Credit Card charges a forex markup fee of 3.5% on your foreign currency transactions.
Footnotes
- The maximum number of reward points allowed for cash redemption is 2,500 points per calendar month.
- Reward points can be redeemed in multiples of 100, with a maximum of 10,000 points redeemable against KrisFlyer Miles per calendar month.
- Reward points can be redeemed for up to 25% of the bill payment amount or 25% of your reward points balance, whichever is lower.
- For TATA AIA, reward point redemption is allowed up to 15% of the bill payment amount or 15% of your reward points balance, whichever is lower.
Click here to know More Terms and Conditions
Shruti Sharma
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.
Explore other Card Categories
Explore Cards from Leading Issuers
Check eligibility for best credit cards
Check Eligibility