IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank is one of the leading private sector banks in India, which offers a range of credit cards curated for specific customer needs. IndusInd Bank Platinum Aura Edge Credit Card is one such credit card that offers benefits like seamless transactions and also gives exclusive rewards.
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Fee Details
- 1st Year - ₹ 0
- 2nd Year Onwards - ₹ 0
Joining Perks
- No joining perks
Rewards
- Department stores: ₹ 100 = 4 points
- Consumer durables/electronic items: ₹ 100 = 2 points
- Restaurants: ₹ 100 = 1.5 points
- Books: ₹ 100 = 1.5 points
- Others: ₹ 100 = 0.5 points
Documents
- PAN card
- Aadhaar number
What you'll love
Earn up to 8X Reward Points on select merchant categories
Lifetime FREE - no joining fee or annual fee
Flexibility to choose your Reward Plans to match your lifestyle
1% fuel-surcharge waiver at petrol bunks on transactions between ₹500 & ₹3,000, up to ₹100 per billing cycle
Redeem reward points towards cash credit (1RP = ₹0.40)
Redeem reward points towards non-cash credit (1RP = ₹0.50)
0.5 points on every ₹ 100 spent on all other categories
Multiple reward redemption options including IndusMoments, airline miles, cash credit and Pay with Rewards
Redeem up to 10,000 reward points against KrisFlyer Miles in a month
Comprehensive insurance benefits
Current month offers:
15% off at Apollo Pharmacy
₹500 off on Lifestyle (min. spend of ₹2,499)
₹150 off on Ajio (min. spend of ₹1,299)
Up to 73% off on ClearTax
₹1,000 off at Lakme Salon (min. spend of ₹3,000)
Up to ₹2,500 off on booking Air India flight tickets via website or app with a VISA card
Think about
Fuel transactions will not accrue reward points
Max. 2,500 reward points allowed for cash redemption per month, w.e.f 1st Sep 2024
Min. 500 reward points required for redemption towards cash credit & airline miles
Apollo Pharmacy, Lifestyle & Ajio offers valid till 31st Oct 2025
Air India and ClearTax offers valid till 31st Aug 2025
Lakme Salon offer valid till 30th Sep 2025
- Click for Card Monthly Offers
What is an IndusInd Bank Platinum Aura Edge Credit Card?
The IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free card that offers up to 8X reward points on selected categories, fuel surcharge waivers, travel insurance benefits, and contactless payment features. Cardholders will receive welcome vouchers from top brands such as Amazon and Flipkart, making it a valuable choice for everyday spending and lifestyle perks.
Features and Benefits of IndusInd Bank Platinum Aura Edge Credit Card
The features and benefits of IndusInd Bank Platinum Aura Edge credit card are mentioned below:
- Earn Rewards: Gain up to 8X reward points on select merchant categories for every Rs.100 spent, based on your chosen rewards program.
- Pay with Rewards: Use reward points to pay bills directly at participating merchant stores.
- Welcome Gifts: Receive exclusive vouchers from Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola, and more under Vouchagram.
- Brand Vouchers: Enjoy vouchers for BATA, Pantaloons, Raymonds and Hush Puppies, and more through Vouchagram Premium.
- Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharges at all fuel stations in India, saving up to Rs.100 per capping cycle on spends between Rs.500 to Rs.3000.
- Comprehensive Protection: Stay secure with ‘Total Protect’ against loss, theft, or fraud.
- Air Accident Insurance: Benefit from complimentary personal air accident insurance coverage of up to Rs.25 lakh.
This card combines rewards, benefits, and security for an enhanced lifestyle experience.
Note: The maximum reward points allowed for cash redemption will be 2,500 per month from 1 September 2024.
IndusInd Bank Platinum Aura Edge Credit Card Travel Plan
IndusInd Bank has tied up with the Oriental Insurance Company to provide cardholders with the following travel insurance coverage under its Aura Edge Travel Plan:
Travel Insurance Cover
Coverage | Sum Assured* |
Delayed baggage | Rs. 25,000 |
Lost Baggage | Rs. 1 lakh |
Lost Ticket | Rs. 25,000 |
Loss of Passport | Rs. 50,000 |
Missed connection | Rs. 25,000 |
*Terms and Conditions apply
IndusInd Bank Platinum Aura Edge Credit Card Reward Points
Platinum Aura Edge Shop Plan
Spend Categories | Savings points on Rs 100 spent |
Shopping in departmental stores | 4 savings points |
Purchase of consumer durables or electronic items | 2 savings points |
Restaurant bills | 1.5 savings points |
Books | 1.5 savings points |
All other spends | 0.5 savings points |
Note: Fuel transactions will not earn any reward points which are in effect from 1 April 2018.
Platinum Aura Edge Home Plan
Spend Categories | Savings points on Rs 100 spent |
Grocery shopping | 4 savings points |
Cellphone bills | 1.4 savings points |
Electricity bills | 1.4 savings points |
Insurance premium | 1.4 savings points |
Medical spends | 1.5 savings points |
All other spends | 0.5 savings points |
Platinum Aura Edge Travel Plan
Spend Categories | Savings points on Rs 100 spent |
Hotel expenses | 4 savings points |
Airline tickets | 2.5 savings points |
Car rental expenses | 1.5 savings points |
Rail tickets | 1.5 savings points |
All other spends | 0.5 savings points |
Platinum Aura Edge Party Plan
Spend Categories | Savings points on Rs 100 spent |
Restaurant bills | 4 savings points |
Shopping in departmental stores | 2 savings points |
Payments in bars and pubs | 2 savings points |
Movie tickets | 1.5 savings points |
All other spends | 0.5 savings points |
Contactless Card Features
Experience cutting-edge technology with the IndusInd Bank Platinum Aura Edge Easy Credit Card, designed for seamless and secure transactions. This chip-based contactless credit card enables fast and hassle-free payments by simply tapping your card at merchant locations that accept contactless payments. It is also compatible with standard card payment systems globally.
With the IndusInd Bank Platinum Aura Edge Easy Credit Card, you can:
- Make quicker payments at merchant outlets that support contactless transactions.
- Shop at over 1 million merchant locations in India and 30 million outlets worldwide.
- Pay utility bills, book movie and travel tickets, shop online, and more.
- Enjoy secure online shopping and safe e-commerce transactions.
This card ensures convenience, speed, and security for your everyday financial needs, whether in India or abroad.
How to Apply for IndusInd Bank Platinum Aura Edge Credit Card?
Follow the steps given below to apply for this credit card on the BankBazaar website:
Step 1: Click on the 'Apply Now' button at the top of this page.
Step 2: You will be redirected to the eligibility criteria form on the next page.
Step 3: Once your details are given, the application page will be displayed to eligible applicants.
Step 4: Complete the online application form and click the 'Submit' option.
Step 5: Upload and submit the required documents.
Once the documents are submitted, you will receive an acknowledgement message with the Application ID on your registered mobile number. You can use this Application ID to track the status of your credit card application on the BankBazaar website.
IndusInd Bank Platinum Aura Edge Credit Card Fees and Charges
The fees and charges of IndusInd Bank Platinum Aura Edge credit cards are mentioned in the table below:
Type of Charge | Fee |
Joining fee | Nil |
Annual Fee | Nil |
Add-on credit card fee | Nil |
Interest charges |
|
Late payment fees |
|
Over limit charges | 2.5% of Over Limit Amount subject to a minimum of Rs.500 |
Returned cheque | Rs.250 |
Cash advance charges | 2.5% of the advance amount subject to a minimum of Rs.300 (Waived for government sectors) |
Foreign currency markup | 3.50% |
Balance Enquiry Charges on Non-IndusInd Bank ATMs | Rs.25 |
Machine Surcharge at ATMs | Passed at applicable rates to customer |
Outstation Cheque Processing Fee | Please note that the outstation cheques only from IndusInd Bank locations can be accepted |
Cash Payment Fee at IndusInd Bank Branch | Rs.100 |
Duplicate Statement Request | Rs.100 per statement (after three months) |
Re-issue/Replacement | Rs.100 |
Charge-slip Request | Rs.300 |
Eligibility Criteria for IndusInd Bank Platinum Aura Edge Credit Card
The eligibility criteria for IndusInd Bank Platinum Aura Edge credit card are mentioned below:
Age | The applicant must be at least 18 years old. |
Nationality | He or she must be a citizen of India. |
Employment status | The applicant must be either salaried or self-employed. |
Credit Score | The applicants who hold a good credit score have a higher chance of being eligible for the card. |
Note: Please reach out to the IndusInd Bank via customer service center or by visiting the bank branch to know more about the eligibility criteria for IndusInd Bank Platinum Aura Edge credit card.
Documents Required for IndusInd Bank Platinum Aura Edge Credit Card
The documents required to apply for IndusInd Bank Platinum Aura Edge credit card are listed in the table below:
Proof of Address | Identity Proof | Income Proof |
Salary Slip | ||
Aadhaar Card | ||
PAN | ||
Voter ID | - | - |
- | - |
Note:
- Please contact the IndusInd Bank to know more details about the documents required to apply for IndusInd Bank Platinum Aura edge credit card.
- Physical documents are not required if the card is applied online.
- If the current address is different from that mentioned in Aadhaar card, then provide residential proof.
FAQs on IndusInd Bank Platinum Aura Edge Credit Card
- Is the IndusInd Bank Platinum Aura Edge Credit Card a chip card?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card is a chip-based card that provides advanced security and safety with every transaction that you make.
- What is Contactless Payment on Aura Edge Credit Card?
The contactless payment feature allows you to make secure and safe payments. Only tap your card at merchant outlets that accept contactless cards. These payments terminals must be NFC enabled.
- How much is charged for IndusInd Bank Platinum Aura Edge credit card?
There are no joining and annual fees charged for IndusInd Bank Platinum Aura Edge credit card.
- Will I get fuel surcharge waiver on my IndusInd Bank Platinum Aura Edge credit card?
Yes, you will receive a 1% fuel surcharge waiver on your IndusInd Bank Platinum Aura Edge credit card.
- Where can I use the IndusInd Bank Platinum Aura Edge Visa Credit Card?
The card can be used for purchases at merchant establishments, travel bookings, online shopping, e-commerce transactions, and cash withdrawals both in India and internationally. Simply tap your card at merchant locations that accept contactless payments to enjoy fast and secure transactions. Additionally, it can be used at any merchant location that supports standard card payments.
- How can I follow the billing cycle for my IndusInd Bank Aura Edge Visa credit card?
A credit card billing cycle tracks monthly transactions. The monthly statements for IndusInd Bank Platinum Aura Edge credit card are emailed to the registered email address and are viewable anytime via IndusNet (Net Banking) or IndusMobile (Mobile Banking App).
- How do I use my IndusInd Bank Platinum Aura Edge Visa Credit Card?
To make a contactless payment with your credit card, simply look for a point-of-sale (POS) terminal that displays the contactless symbol along with the Visa card logo. Hold your card within 4 cm of the scanner, four green lights will appear in under a second, indicating the transaction is in progress. Once the payment is successfully completed, you can remove your card.
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