IndusInd Bank Platinum Aura Edge Credit Card
Verified · August 27, 2026
4.9/5.0
Updated on August 27, 2026
🎖️Reward 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)
Overview
IndusInd Bank Platinum Aura Edge Credit Card by IndusInd Bank provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward 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
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
Milestone Benefit
Spend ₹2 Lakhs (Annual): Bonus reward points acceleration on milestone annual spend thresholds; Annual Fee Waiver: Lifetime Free Card / Nominal joining fee with zero annual renewal charge
Redemption
- • Direct cash credit settlement against card statement at 1 Savings Point = ₹0.50
- • Vouchers for shopping, dining and electronics on IndusMoments portal
- • Airline partner miles conversion
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
IndusInd Bank Platinum Aura Edge Credit Card Eligibility Criteria
- Age: 21–65 years
- Net monthly salary > ₹35,000 for salaried; Annual ITR > ₹4,50,000 for self-employed
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹300) |
Fee waiver: Lifetime Free Card / Nominal joining fee with zero annual renewal charge
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
IndusInd Bank Platinum Aura Edge Credit Card issued by IndusInd Bank is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
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
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
4.9/5
5.0/5
Highest rated4.5/5
Fee Details
Joining Fee
₹500
Annual/Renewal Fee
Free
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
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
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
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 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
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
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
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
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed