INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official indusind.com (IndusInd Bank) Most Important Terms and Conditions (MITC).

🏛️IndusInd Bank Ltd.Network: Visa / MastercardShopping & Rewards CardsLast Verified: 2026-09-28

IndusInd Bank Platinum Aura Edge Credit Card

इंडसइंड बैंक प्लेटिनम ऑरा एज क्रेडिट कार्ड

Customizable reward card letting users choose their 4X spending category (Shop, Travel, Dine, or Home) with ₹0.50 cash value per point.

Annual Fee₹500 + GST Joining (Renewal: Lifetime Free ₹0)

Reward RateChoice of 4 customized reward plans: (1) Platinum Aura Shop Plan (4X points on departmental stores), (2) Platinum Aura Travel Plan (4X on hotel/airline bookings), (3) Platinum Aura Party Plan (4X on dining/nightlife), or (4) Platinum Aura Home Plan (4X on grocery/utilities). 0.5 Reward Points per ₹100 on other retail.

Airport LoungeNo complimentary airport lounge access is included on this starter rewards card.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

IndusInd Bank Platinum Aura Edge Credit Card is a versatile reward-customizable card for salaried professionals. It allows cardholders to select a tailored reward plan (Shopping, Travel, Dining, or Home essentials) that delivers 4X points where they spend most, backed by a generous ₹0.50 cash statement redemption rate.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST Joining (Renewal: Lifetime Free ₹0)

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after initial joining fee payment).

🎁Welcome Benefit

Welcome discount vouchers from leading retail brands (Amazon, MakeMyTrip, Bata, Apollo Pharmacy) credited upon card joining fee realization.

⚡Reward Points Structure

Choice of 4 customized reward plans: (1) Platinum Aura Shop Plan (4X points on departmental stores), (2) Platinum Aura Travel Plan (4X on hotel/airline bookings), (3) Platinum Aura Party Plan (4X on dining/nightlife), or (4) Platinum Aura Home Plan (4X on grocery/utilities). 0.5 Reward Points per ₹100 on other retail.

Redemption Value: 1 Reward Point = ₹0.50 against cash statement credit (or 1:1 air miles on partner airlines).

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this starter rewards card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal air accident cover of ₹25 Lakhs. Total Protect fraud insurance cover up to credit limit.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Lifetime Free renewal with zero recurring maintenance charges. Freedom to switch reward preference plan annually.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

No airport lounge access. Standard retail spend earn rate outside the chosen category plan is low at 0.5 points per ₹100. Finance charges are among the highest in the market at 46% p.a.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹300 (whichever is higher) + 3.83% monthly finance charges.

Finance Charges (Interest)3.83% per month (46.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,60,000.

Age Requirement21 to 65 Years

Minimum Income₹25,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit indusind.com/cards or open IndusMobile app.

2Enter PAN and mobile number for soft eligibility evaluation.

3Select Platinum Aura Edge and choose your preferred reward plan.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any IndusInd Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (indusind.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on IndusInd Bank Platinum Aura Edge Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.83% per month (46.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on IndusInd Bank Platinum Aura Edge Credit Card into EMI?

Yes, IndusInd Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on IndusInd Bank Platinum Aura Edge Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IndusInd Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.50 against cash statement credit (or 1:1 air miles on partner airlines). Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on IndusInd Bank Platinum Aura Edge Credit Card and how does it work?

The interest-free period on IndusInd Bank Platinum Aura Edge Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.83% per month (46.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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