IndusInd Bank Platinum Aura Edge Credit Card on HPCL

How it works

Shows the best of the 4 plans per merchant; you only get the plan you pick: grocery apps 2% on Home, Swiggy/Zomato 2% on Party (if coded as restaurants), IndiGo 1.25% on Travel, Croma 1% on Shop. Dining out 2% needs the Party plan.

Caps & rules

• You choose one of 4 plans (points per ₹100, 1 point = ₹0.50 or 0.5 airline mile): Shop - department stores 4, electronics 2, restaurants/books 1.5; Home - grocery 4, medical 1.5, phone/electricity/insurance 1.4; Travel - hotels 4, airlines 2.5, car rental/rail 1.5; Party - restaurants 4, department stores/bars 2, movies 1.5.
• Everything else 0.5 (0.25%).
• Cash redemption capped at 2,500 points a month since Sep 2024.

Reward limits

• Plan-category points (Shop, Home, Travel or Party); 0.5 per ₹100 elsewhere: No published limit
• Points redeemed as cash credit: max 2,500 points per calendar month

No rewards on

Fuel (since Apr 2018); some categories revised Aug 2019