How do I contact IndusInd Bank for help with my Platinum Aura Edge card?

Call the 24-hour phone banking number at 1860 267 7777 for card queries, disputes, PIN resets, and Priority Pass activation. Email premium.care@indusind.com for written inquiries. You can also manage your card, view statements, and track rewards through the IndusMobile app or IndusNet internet banking portal.

IndusInd Bank Platinum Aura Edge Credit Card | Credit Cards

Name: IndusInd Bank Platinum Aura Edge Credit Card
Brand: IndusInd Bank
Price: 500 INR
Availability: InStock
Rating: 2.5 (1 reviews)

Overview

The IndusInd Bank Platinum Aura Edge Credit Card is an entry-level card from IndusInd Bank with a ₹500 joining fee and zero annual fee. Available on both Visa and Mastercard networks, the card supports contactless tap-to-pay at merchant terminals.The core benefit is 4 customizable reward plans. The Shop Plan earns 4 points per ₹100 at departmental stores. The Home Plan gives 4 points on grocery. The Travel Plan awards 4 points on hotel expenses. The Party Plan earns 4 points on restaurant bills. Each plan also earns 1.4 to 2.5 points on secondary categories, with all other spending at 0.5 points per ₹100. One savings point equals Re 0.50 in cash credit or 0.5 airline miles.A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000 at all petrol pumps across India. Travel insurance covers lost baggage (₹1 lakh), delayed baggage (₹25,000), loss of passport (₹50,000), lost ticket (₹25,000), and missed connection (₹25,000). Total Protect provides fraud coverage up to your credit limit for unauthorized transactions, including card theft and counterfeit fraud.This card suits anyone looking for a no-annual-fee card with flexibility to match rewards to their spending pattern. Top categories deliver 2% returns, though the 0.5 points base rate on non-category spends gives just 0.25%. Cash credit redemption is limited to 2,500 points per calendar month. Heavier spenders wanting simpler flat-rate rewards or free lounge access may prefer other entry-level options.

Pros

↑No annual fee at all, making it one of the few platinum-tier cards with zero recurring cost after the ₹500 joining fee
↑4 customizable reward plans let you earn up to 4 points per ₹100 (2% return) on your highest-spend category, matching rewards to your lifestyle
↑Travel insurance covers lost baggage, delayed baggage, passport loss, ticket loss, and missed connection without any additional premium
↑1% fuel surcharge waiver applies at all petrol pumps across India, not restricted to a single fuel brand like many competitor cards
↑Total Protect fraud coverage up to your full credit limit protects against unauthorized transactions and counterfeit fraud at no extra cost

Cons

↓Non-category spending earns only 0.5 savings points per ₹100 (0.25% return), among the lowest base earn rates in the market
↓Cash credit redemption capped at 2,500 points per calendar month, limiting how quickly you can convert accumulated rewards to statement credit
↓Priority Pass lounge visits cost USD $27 each (billed to your card), making it a paid benefit rather than complimentary access
↓No milestone or annual spend bonuses, unlike competitor cards that reward higher spending with additional points or vouchers

Key Highlights

Welcome Offer
Vouchagram welcome gift on select fee plans
Vouchagram or Vouchagram Premium vouchers
Applicable on select fee plans only
Brands include Amazon, Flipkart, Big Bazaar, and others
Brand availability subject to change

Reward Rate
Up to 4 points per ₹100 (8x base)
4 plans: Shop, Home, Travel, Party
Top category: 4 points per ₹100 (2% return)
Secondary categories: 1.4 to 2.5 points per ₹100
All other spends: 0.5 points per ₹100
1 savings point = ₹0.50 or 0.5 airline mile
Fuel transactions earn zero points

Minimum Salary
21-65 years, income not publicly disclosed
Age: 21 to 65 years
Minimum income not publicly disclosed by IndusInd Bank
Good credit history required
Indian citizen or resident
Apply online to check eligibility

Joining Fee
₹500 + GST
Joining fee: ₹500
Plus 18% GST
Vouchagram welcome gift on select fee plans may offset joining cost

Annual Fee
No annual fee
Annual fee: Nil
Add-on card fee: Nil
No annual spend threshold required for fee waiver

Why Choose?
Customizable rewards and travel insurance at zero annual cost
4 reward plans to match your spending pattern
Travel insurance covers up to ₹2.25 lakh across 5 categories
1% fuel surcharge waiver at all pumps (₹400 to ₹4,000)
Total Protect fraud coverage
Priority Pass membership (USD $27 per visit)
Contactless tap-to-pay

Key Benefits

Fuel

★3.0

▼

1% surcharge waiver on ₹400 to ₹4,000 transactions
Applicable at all petrol pumps across India
GST on fuel surcharge is not waived
No reward points earned on fuel transactions
Bank may cap monthly fuel surcharge waiver amount

Reward Points

★2.5

▼

4 reward plans: Shop, Home, Travel, Party
Top category: 4 points per ₹100 (2% return)
Secondary categories: 1.4 to 2.5 points per ₹100
All other spends: 0.5 points per ₹100 (0.25% return)
1 savings point = ₹0.50 cash credit or 0.5 airline mile
No points on fuel transactions
Cash credit capped at 2,500 points per calendar month

Shopping

★2.5

▼

Shop Plan: 4 points per ₹100 at departmental stores
Shop Plan: 2 points on electronics, 1.5 on restaurants and books
Party Plan: 2 points per ₹100 at departmental stores
Only one plan active at a time (₹250 fee to switch)
Vouchagram welcome vouchers on select fee plans

Travel

★2.5

▼

Travel Plan: 4 points per ₹100 on hotel expenses
Travel Plan: 2.5 points on airline tickets, 1.5 on car rental and rail
Travel insurance: lost baggage ₹1L, delayed baggage ₹25K, passport loss ₹50K, lost ticket ₹25K, missed connection ₹25K
3.5% foreign currency markup on international transactions
Priority Pass membership (USD $27 per visit, not complimentary)

Airport Lounge Access

▼

Priority Pass standard membership included
Each visit costs USD $27 per person (billed to your card)
Access to 1,400+ lounges worldwide
Guests charged USD $27 per visit
No complimentary visits included

Liability Protection

▼

Total Protect covers unauthorized transactions up to credit limit
Card theft or loss: insurance up to 48 hours before reporting
Counterfeit fraud protection included
Available on primary and add-on cards
No additional fee for Total Protect

Insurance

▼

Travel insurance via Oriental Insurance Company
Lost baggage: up to ₹1,00,000
Delayed baggage: up to ₹25,000
Loss of passport: up to ₹50,000
Lost ticket: up to ₹25,000
Missed connection: up to ₹25,000
Valid for 20 days of international travel per trip

Emi

▼

EMI conversion available on eligible purchases
Tenure and rates depend on transaction amount and account standing

Detailed Information

Joining Fee	₹500 + GST
Annual Fee	No annual fee
Annual Fee Waiver	Not applicable (no annual fee charged)
Monthly Percentage Rate	3.95%
Annual Percentage Rate	47.40%
Minimum Monthly Payment	5% of total outstanding
Foreign Currency Markup	3.5%
Late Payment Charges	Nil to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹300)
Balance Transfer Fee	Not specified
Fee For Supplementary Card	No fee
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100 per statement (beyond last 3 months)
Fee For Cheque Bounce	₹250

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	Not publicly disclosed (apply to check eligibility)
Minimum Annual Income Self Employed	Not publicly disclosed (apply to check eligibility)
Minimum Credit Score	Good credit history required

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The one-time joining fee is ₹500 plus 18% GST. On select fee plans, you receive a Vouchagram or Vouchagram Premium welcome gift with discount vouchers from brands like Amazon, Flipkart, and Big Bazaar, which can help offset the initial cost.

No. The annual fee is nil, and there is no minimum spend threshold required to keep the card active. Add-on card fees are also nil. After paying the ₹500 joining fee, you have no recurring card charges.

The four plans are Shop, Home, Travel, and Party. Each plan gives 4 savings points per ₹100 on one primary spending category: departmental stores (Shop), grocery (Home), hotels (Travel), or restaurants (Party). Secondary categories earn 1.4 to 2.5 points, and all other spending earns 0.5 points per ₹100. You pick one plan at a time.

The Shop Plan earns 4 savings points per ₹100 at departmental stores, 2 points on consumer durables and electronics, 1.5 points on restaurant bills and books, and 0.5 points on all other spending. This plan works best if departmental store shopping makes up a large share of your monthly card spending.

The Home Plan earns 4 savings points per ₹100 on grocery shopping, 1.5 points on medical expenses, 1.4 points each on cellphone bills, electricity bills, and insurance premiums, and 0.5 points on everything else. This plan is a good fit if grocery and household bills make up the bulk of your card spending.

The Travel Plan earns 4 savings points per ₹100 on hotel expenses, 2.5 points on airline tickets, 1.5 points each on car rentals and rail tickets, and 0.5 points on all other spending. Frequent travellers who regularly book hotels and flights on their card will benefit most from this plan.

The Party Plan earns 4 savings points per ₹100 on restaurant bills, 2 points each on departmental store shopping and bar or pub payments, 1.5 points on movie tickets, and 0.5 points on everything else. This plan pays off if dining out and entertainment form a major part of your monthly spending.

Yes, you can switch between the Shop, Home, Travel, and Party plans. IndusInd Bank charges a ₹250 fee each time you change your reward plan. Consider your spending patterns carefully before selecting a plan to avoid frequent switches.

One savings point equals Re 0.50 when redeemed as cash credit against your card dues, or 0.5 airline miles when converted to Krisflyer miles. So 4 points per ₹100 on your top category gives an effective 2% return in cash terms. A ₹100 redemption fee applies per redemption request.

You can redeem through three channels: cash credit against your card statement (1 point = ₹0.50, max 2,500 points per month), airline miles on Singapore Airlines Krisflyer, or merchandise through the IndusMoments online shopping portal. Pay with Rewards is also available for point-of-sale redemption. A ₹100 fee applies per redemption.

There is no cap on earning savings points. You can accumulate as many points as your spending allows, and they remain valid as long as your card account is active. The cap applies only to cash credit redemption: a maximum of 2,500 points can be redeemed as cash credit per calendar month.

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000 at all petrol pumps across India. GST on fuel surcharge is not waived and must be paid by the cardholder. IndusInd Bank may cap the maximum fuel surcharge waiver per month. Note that fuel transactions do not earn any savings points on any reward plan.

The card provides travel insurance through Oriental Insurance Company covering five categories: lost baggage (up to ₹1,00,000), delayed baggage (up to ₹25,000), loss of passport (up to ₹50,000), lost ticket (up to ₹25,000), and missed connection (up to ₹25,000). Coverage is valid for up to 20 days of international travel per trip. IndusInd Bank must be informed at least 48 hours before departure and within 48 hours after return.

Total Protect is a complimentary fraud protection program that covers unauthorized transactions up to your full credit limit. It includes two types of coverage: protection against unauthorized use if your card is lost or stolen (covers transactions up to 48 hours before you report the loss), and counterfeit fraud protection if your card details are cloned. This coverage extends to add-on cards as well, at no extra charge.

The card includes a complimentary Priority Pass standard membership, which gives access to over 1,400 airport lounges worldwide. However, each lounge visit costs USD $27 per person (billed to your IndusInd Bank credit card). This applies to the cardholder and any guests. There are no complimentary visits included with this card. Call 1860 267 7777 to activate your Priority Pass membership.

The card is available on both Visa and Mastercard networks. You can choose your preferred network at the time of application. All benefits, reward plans, and insurance covers remain the same regardless of which network you select. Both networks provide global acceptance at millions of merchant outlets.

The finance charge is 3.95% per month, which works out to 47.40% per year. Interest applies on any outstanding balance carried past the payment due date. The card provides an interest-free period of up to 50 days if you pay the full statement balance by the due date each month. Cash advances start accruing interest from the date of withdrawal with no interest-free period.

Late payment charges depend on your outstanding balance: nil for up to ₹100, ₹100 for ₹101 to ₹500, ₹350 for ₹501 to ₹1,000, ₹550 for ₹1,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 for balances above ₹50,000. These apply when you do not pay at least the minimum amount by the due date.

A 3.5% foreign currency markup applies on all international transactions. This is the standard rate across most IndusInd Bank credit cards. An additional 1% markup plus taxes applies on Dynamic Currency Conversion (DCC) transactions at international merchants registered overseas but billing in Indian rupees. For frequent international spenders, dedicated forex cards typically charge 1.5% to 2%.

Yes, add-on (supplementary) cards are available at no extra annual fee. Add-on cardholders earn savings points at the same rate as the primary card under whichever reward plan is active. All points from add-on card transactions accumulate in the primary cardholder’s account. Total Protect fraud coverage also extends to add-on cards.

Hold your card within 4 cm of a contactless-enabled POS terminal to complete the transaction. No swiping or inserting needed. For contactless transactions above the RBI-mandated limit, you may be prompted to enter your PIN. The card also works at all standard chip-and-PIN terminals and magnetic stripe terminals for regular transactions.

Cash advances carry a fee of 2.5% of the withdrawn amount (minimum ₹300). Interest of 3.95% per month starts from the date of withdrawal with no interest-free period. Cash payment at an IndusInd Bank branch costs ₹100. Balance enquiry on non-IndusInd Bank ATMs costs ₹25. ATM cash withdrawal is one of the most expensive ways to use a credit card.

An overlimit charge of 2.5% applies on the amount exceeding your approved credit limit, with a minimum charge of ₹500. Transactions beyond the limit may be declined depending on your payment history and account standing.

No. Fuel transactions do not earn savings points on any of the four reward plans. This has been the case since April 2018 across all IndusInd Bank credit cards. The 1% fuel surcharge waiver still applies on transactions between ₹400 and ₹4,000, but no points accumulate from fuel purchases.

Call the 24-hour phone banking number at 1860 267 7777 for card queries, disputes, PIN resets, and Priority Pass activation. Email [email protected] for written inquiries. You can also manage your card, view statements, and track rewards through the IndusMobile app or IndusNet internet banking portal.

IndusInd Bank Platinum Aura Edge Credit Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

Pros

Cons