IndusInd Bank Platinum Aura Edge Credit Card

Earn Rewards 

• Earn up to8× reward pointson select categories for every Rs.100 spent• Categories include groceries, dining, travel, electronics and more (based on chosen plan)• Cash redemption capped at 2,500 points per month from 1 Sept 2024 

Reward Plans 

• Choose fromShop, Home, Travel or Partyplans• Designed around different spending habits• Maximises value in categories you use most 

Pay with Rewards 

• Redeem points directly at participating merchants• Reduces out-of-pocket expenses• Makes everyday purchases more cost-efficient 

Welcome Gifts 

• Complimentary vouchers from Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola and more• Covers shopping, essentials,entertainmentand travel• Adds instant value for new cardholders 

Brand Vouchers 

• AccessVouchagramPremium vouchers (BATA, Pantaloons, Raymonds, Hush Puppies, etc.)• Ideal for fashion and lifestyle purchases• Delivers premium savings 

Fuel Surcharge Waiver 

•1% fuel surcharge waiveracross all petrol stations in India• Valid on transactions between Rs.500 and Rs.3,000• Save up to Rs.100 per billing cycle 

Security & Protection 

Comprehensive Protection 

1. Covered underTotal Protectfor loss,theftand fraud
2. Protects against unauthorised usage and skimming
3. Provides peace of mind 

Chip Security 

1. EMV chip encrypts every transaction
2. Reduces risks of cloning and data theft
3. Safe for online and offline payments 

Air Accident Insurance 

1. Complimentary cover up toRs.25 lakh
2. Financial protection during air travel
3. Suitable for frequent flyers 

Travel Cover 

1. Covers lost/delayed baggage, passport or ticket loss, missed connections
2. Support during travel disruptions 

Convenience 

Easy EMI 

1. Convert large purchases into monthly instalments
2. Better cash-flow management
3. Ideal for high-value spends 

Bill & Ticket Payments 

1. Pay bills, book movies,traveland shop online
2. One-card solution for daily needs 

Payments 

Contactless Payments 

1. Tap-and-go payments for faster checkout
2. No PIN required for small transactions 

Global Acceptance 

1. Accepted at1 million+ outlets in Indiaand30 million worldwide
2. Reliable for domestic and international use 

Compatibility 

1. Works seamlessly with global payment systems
2. Smooth international online and in-store usage 

Fees & Charges 

Lifetime-free Option 

1. No joining or annual fee under eligible plans
2. Full access to rewards without recurring costs 

Standard Charges 

1. Finance charges, latefeesand cash withdrawal fees as per bank policy
2. Transparent fee structure 

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

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

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

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

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

Joining fee

Nil

Annual Fee

Nil

Add-on credit card fee

Nil

Interest charges

1. 3.95% monthly
2. 47.40% per annum

Late payment fees

1. Outstanding balance up to Rs.100- Nil
2. For Rs.101 to Rs.500 - Rs.100
3. From Rs.501 to Rs.1,000- Rs.350
4. From Rs.1,001 to Rs.10,000- Rs.550
5. From Rs.10,001 to Rs.25,000- Rs.800
6. From Rs.25,001 to Rs.50,000- Rs.1,100
7. Above Rs.50,000- Rs.1,300

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

The applicant must be at least 18 years old.

He or she must be a citizen of India.

The applicant must be either salaried or self-employed.

The applicants who hold a good credit score have a higher chance of being eligible for the card.

Ration Card

Voter ID

Salary Slip

Aadhaar Card

Aadhaar Card

Form 16

PAN

Driving Licence

IT Returns

Voter ID

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Passport

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