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

Call the 24-hour phone banking number at 1860 267 7777 for all card-related queries including concierge service. Email premium.care@indusind.com for written queries. To close the card, email creditcard.closure@indusind.com or call phone banking. For unresolved complaints, write to Head Card Services at IndusInd Bank Ltd., PO Box 9421, Chakala, MIDC, Andheri East, Mumbai 400 093.

IndusInd Bank Platinum RuPay Credit Card | Credit Cards

Name: IndusInd Bank Platinum RuPay Credit Card
Brand: IndusInd Bank
Availability: InStock
Rating: 2.5 (1 reviews)

Overview

The IndusInd Bank Platinum RuPay Credit Card is a lifetime free card centered on UPI payments. There is no joining fee and no annual fee, ever. You can link it to BHIM, Google Pay, PhonePe, or Paytm and pay at any QR merchant using your credit limit. This gives you the 45-day interest-free period of a credit card on everyday UPI payments that would otherwise come from your bank account.Reward points accumulate at 2 per ₹100 on UPI transactions and 1 per ₹100 on non-UPI purchases. Select merchant categories earn ₹0.70 per ₹100 regardless of payment mode. Fuel transactions earn nothing. Each reward point redeems at ₹0.60 for non-cash options through IndusMoments, Krisflyer airline miles, or Pay with Rewards. Cash redemption is capped at 2,500 points per calendar month at a separate rate. The effective return rate works out to about 1.2% on UPI spends and 0.6% on everything else.Insurance is a strong point for a free card. Travel coverage from Oriental Insurance totals ₹2.25 lakh across lost baggage (₹1 lakh), passport loss (₹50,000), and ₹25,000 each for delayed baggage, lost tickets, and missed connections. Personal air accident insurance adds ₹25 lakh of coverage. Total Protect covers fraudulent transactions up to your full credit limit, including unauthorized use after loss or theft.The main gaps are no airport lounge access (Priority Pass is explicitly unavailable on this variant), limited international acceptance on the RuPay network, and a 3.5% foreign currency markup. If you primarily spend via UPI in India and want a zero-cost card with insurance benefits, this fills the need. For international spending or lounge access, consider stepping up to the IndusInd Legend or Nexxt cards.

Pros

↑Zero cost to own with no joining fee and no annual fee for life, one of the few genuinely lifetime free cards that includes travel insurance and personal accident cover
↑UPI transactions earn 2 reward points per ₹100, double the non-UPI rate, and linking to BHIM, Google Pay, or PhonePe lets you pay at any QR merchant with a credit card
↑Travel insurance covers lost baggage up to ₹1 lakh, passport loss up to ₹50,000, and delayed baggage, lost tickets, and missed connections at ₹25,000 each, totalling ₹2.25 lakh
↑₹25 lakh personal air accident insurance and Total Protect fraud coverage up to your credit limit give strong protection for a free card
↑1% fuel surcharge waiver applies at all petrol pumps across India, not limited to a specific fuel brand, and rent payments through third-party apps carry no additional fee

Cons

↓Non-UPI transactions earn just 1 reward point per ₹100, and at ₹0.60 per point the effective return is only 0.6%, well below the 1%+ that several competing free cards provide
↓No airport lounge access at all: no Priority Pass, no domestic lounge visits, and no railway lounge access, unlike free cards from SBI, IDFC FIRST, or AU Bank that include at least basic lounge benefits
↓RuPay network limits international acceptance compared to Visa or Mastercard, and the 3.5% foreign currency markup makes overseas transactions expensive
↓Cash reward point redemption is capped at 2,500 points per calendar month, and a ₹149 fee applies on each cash redemption request, reducing the already modest return

Key Highlights

Welcome Offer
No active welcome offer
No welcome benefits or joining vouchers
Card is lifetime free with no joining fee
Apply through IndusInd Bank website or app

Reward Rate
2 points per ₹100 UPI, 1 point non-UPI
UPI: 2 reward points per ₹100
Non-UPI: 1 reward point per ₹100
Select merchants: ₹0.70 per ₹100 (UPI and non-UPI)
No reward points on fuel
Redemption: 1 RP = ₹0.60 (non-cash)

Minimum Salary
Not published by bank
IndusInd Bank does not disclose minimum income for this card
Both existing and new customers can apply
Online application with Video KYC
Age: 21 to 60 years
Indian citizen with PAN and Aadhaar

Joining Fee
No joining fee
Lifetime free credit card
Zero joining fee
No welcome vouchers or benefits needed to offset cost

Annual Fee
No annual fee (lifetime free)
Zero annual fee forever
No spend condition for fee waiver
Genuinely free to hold indefinitely

Why Choose?
Free UPI credit card with travel insurance
2 RP per ₹100 on all UPI payments
Travel insurance: ₹2.25 lakh
₹25 lakh personal accident insurance
1% fuel surcharge waiver at all pumps
Total Protect fraud coverage
No airport lounge access

Key Benefits

Fuel

★3.0

▼

1% surcharge waiver on transactions ₹400 to ₹4,000
Applicable at all petrol pumps across India
GST on fuel surcharge borne by customer
No reward points on fuel transactions
1% fee + GST on cumulative fuel above ₹50,000 per statement cycle (from May 2025)

Lifestyle

★2.5

▼

24/7 concierge service at 1860 267 7777
Golf green fee access at select clubs in India (once per quarter)
Auto assist in 6 cities: Mumbai, Delhi, Bangalore, Pune, Chennai, Kolkata
RuPay network partner exclusive deals

Reward Points

★2.5

▼

UPI: 2 reward points per ₹100
Non-UPI: 1 reward point per ₹100
Select merchants: ₹0.70 per ₹100 (UPI and non-UPI)
No reward points on fuel transactions
Non-cash redemption: 1 RP = ₹0.60
Cash redemption: max 2,500 RP per month
Redemption fee: ₹149 (cash) or ₹100 (other categories)

Merchant Offers

▼

IndusMoments reward redemption portal
Krisflyer airline miles conversion
Pay with Rewards at select merchants
RuPay network exclusive deals and discounts

Travel

★3.0

▼

Travel insurance: ₹2.25 lakh total via Oriental Insurance
Lost baggage: up to ₹1 lakh
Delayed baggage: up to ₹25,000
Passport loss: up to ₹50,000
Lost ticket and missed connection: up to ₹25,000 each
No airport lounge access (Priority Pass not available)
3.5% foreign currency markup

Liability Protection

▼

Total Protect covers unauthorized transactions up to credit limit
Loss/theft: insurance covers up to 48 hours before reporting to bank
Counterfeit card fraud protection
Available on primary and add-on cards

Insurance

▼

₹25 lakh personal air accident insurance
Travel insurance: ₹2.25 lakh (lost baggage, passport, delayed baggage, lost ticket, missed connection)
Total Protect: fraud coverage up to credit limit
Coverage starts from card activation date

Detailed Information

Joining Fee	No joining fee
Annual Fee	No annual fee
Annual Fee Waiver	Not applicable (lifetime free)
Monthly Percentage Rate	3.95%
Annual Percentage Rate	47.40%
Minimum Monthly Payment	2% of balance plus 100% of EMI, GST, fees, and finance charges
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹300)
Balance Transfer Fee	Contact bank for applicable rates
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	21-60 years
Age Requirement Self Employed	21-60 years
Minimum Annual Income Salaried	Not published by bank
Minimum Annual Income Self Employed	Not published by bank
Minimum Credit Score	700+

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

No. The Platinum RuPay Credit Card is lifetime free with zero joining fee. The bank’s MITC document lists a standard joining fee of ₹10,000 for this card, but the current product page and application process confirm it is offered at no cost. You pay nothing upfront to get the card.

No. The card carries no annual fee and no spend-based waiver condition. It is lifetime free, meaning you will never be charged a renewal fee regardless of how much or how little you use the card.

UPI transactions earn 2 reward points per ₹100 spent. Non-UPI transactions (POS swipes, online purchases) earn 1 reward point per ₹100. Select merchant categories earn ₹0.70 per ₹100 on both UPI and non-UPI transactions. Fuel transactions do not earn any reward points. Points are earned only on spends up to your assigned credit limit in each statement cycle.

For non-cash redemption (excluding airmiles), each reward point is worth ₹0.60. This means UPI spends earning 2 points per ₹100 give an effective return of about 1.2%, while non-UPI spends earning 1 point per ₹100 return about 0.6%. Cash redemption has a different rate and is capped at 2,500 points per calendar month.

You can redeem points through four channels: IndusMoments (shopping portal), Krisflyer airline miles conversion, cash credit to your card account, and Pay with Rewards at select merchants. A redemption fee of ₹149 applies for cash redemption and ₹100 for all other categories. Cash redemption is limited to 2,500 points per calendar month.

Fuel transactions earn zero reward points. Cash advances, EMI conversions, balance transfers, fee payments (joining, annual, GST), and penalty charges (interest, late fees) are also excluded from earning points. Reward points are earned only up to the assigned credit limit per statement cycle.

Open your UPI app (BHIM, PhonePe, Paytm, or Google Pay) and select the option to add or link a credit card. Choose IndusInd Bank as the card issuer, select the Platinum RuPay Credit Card, and generate a UPI PIN using the last 6 digits of your card number and expiry date. An OTP sent to your registered mobile number completes the setup. You can then scan any merchant QR code and pay using your credit card via UPI.

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000 at any petrol pump across India. GST on the fuel surcharge is borne by the customer. The bank may impose a cap on the maximum value or number of fuel transactions per month. From May 2025, cumulative fuel transactions exceeding ₹50,000 in a statement cycle attract a 1% fee plus GST.

The card includes travel insurance through Oriental Insurance Company worth ₹2.25 lakh total. This covers lost baggage up to ₹1 lakh, loss of passport up to ₹50,000, and delayed baggage, lost ticket, and missed connection at ₹25,000 each. The coverage applies for up to 20 days of international travel. You must inform IndusInd Bank at least 48 hours before departure and within 48 hours after returning to India.

Yes. The IndusInd Bank Platinum Credit Card includes a complimentary personal air accident insurance cover of up to ₹25 lakh. This covers the primary cardholder. The coverage starts from the date the credit card is activated.

Total Protect is IndusInd Bank’s fraud protection program that covers unauthorized transactions on your card up to your assigned credit limit. It protects against two scenarios: unauthorized transactions after loss or theft of your card (covered up to 48 hours before you report the loss), and counterfeit fraud where someone clones your card details. The coverage extends to add-on cards and costs nothing extra.

No. The Platinum RuPay Credit Card does not include airport lounge access. Priority Pass membership is explicitly not available on this card variant. There is no domestic lounge access, no international lounge access, and no railway lounge access. If lounge access is important to you, consider the IndusInd Legend (lifetime free with Priority Pass available) or Nexxt card.

Yes, the card works for international transactions where RuPay is accepted. However, RuPay has limited international acceptance compared to Visa or Mastercard. A 3.5% foreign currency markup applies on all international transactions. For frequent international use, a Visa or Mastercard variant would give broader acceptance.

The finance charge is 3.95% per month, which works out to 47.40% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely. Interest is calculated daily on the current outstanding balance.

The minimum amount due is 2% of your retail purchases and cash advance balance, plus 100% of any EMI amount, GST, fees, finance charges, and overlimit amount. Paying only the minimum avoids late payment fees but triggers the 3.95% monthly finance charge on the remaining balance. Always try to pay the full amount to avoid interest.

Late fees range from ₹100 to ₹1,300 depending on your total outstanding balance: up to ₹100 outstanding is free, ₹101 to ₹500 is ₹100, ₹501 to ₹1,000 is ₹350, ₹1,001 to ₹10,000 is ₹550, ₹10,001 to ₹25,000 is ₹800, ₹25,001 to ₹50,000 is ₹1,100, and above ₹50,000 is ₹1,300. These apply when you do not pay at least the minimum amount by the statement due date.

Yes. The card includes 24/7 concierge service at 1860 267 7777. The concierge can help with flight bookings, hotel reservations, visa services, foreign exchange, restaurant reservations, event and sports ticket bookings, and gift delivery worldwide. There is no charge for using the concierge service itself; you only pay the actual cost of whatever service or product you book.

No. The Platinum RuPay Credit Card is specifically exempt from the 1% + GST fee that IndusInd Bank charges on rent payments through third-party merchants. This makes it one of the few IndusInd cards where you can pay rent via apps like CRED, NoBroker, or MagicBricks without incurring an extra charge.

Utility payments exceeding ₹25,000 cumulatively in a statement cycle attract a 1% fee plus GST on the excess amount. Wallet loading transactions (Paytm Wallet, Amazon Pay, etc.) exceeding ₹20,000 cumulatively in a statement cycle attract the same 1% plus GST fee. Education payments through third-party sites exceeding ₹45,000 per statement cycle also incur this surcharge.

Yes. Add-on (supplementary) cards are available at no additional fee. Add-on cardholders share the primary card’s credit limit and earn reward points at the same rate. All points from add-on card transactions accumulate in the primary cardholder’s account. The Total Protect fraud coverage also extends to add-on cards.

Apply through the IndusInd Bank website or click the Apply Now button on the product page. Both existing and new IndusInd Bank customers can apply. The process is fully online: provide your personal details, choose the card, accept the terms, and complete a quick Video KYC. New customers need PAN and Aadhaar for identity verification.

Cash advances carry a fee of 2.5% of the withdrawn amount, with a minimum of ₹300. Interest at 3.95% per month starts from the date of withdrawal with no interest-free period. Cash advances do not earn reward points. This makes ATM withdrawal one of the most expensive ways to use the card.

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

Call the 24-hour phone banking number at 1860 267 7777 for all card-related queries including concierge service. Email [email protected] for written queries. To close the card, email [email protected] or call phone banking. For unresolved complaints, write to Head Card Services at IndusInd Bank Ltd., PO Box 9421, Chakala, MIDC, Andheri East, Mumbai 400 093.

IndusInd Bank Platinum RuPay Credit Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

Pros

Cons