IndusInd Bank Platinum Aura Edge Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
Up to 4-8X Reward Points per ₹100 in your chosen plan category (Home, Shop, Travel or Party); 0.5 points per ₹100 outside it
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
None
Our Expert Take
The IndusInd Bank Platinum Aura Edge Credit Card from IndusInd Bank offers Flexible Reward Plans & Daily Shopping with an annual fee of ₹500 + Taxes.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
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
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
Pros & Cons
Key Advantages
- Choose a reward plan (Home, Shop, Travel or Party) matched to your spending pattern
- Up to 8X Reward Points in your chosen category, redeemable at ₹0.40/point
- Lifetime free card with no annual fee
- Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)
Limitations
- Base reward rate outside your chosen category is a low 0.5 points per ₹100
- Lounge access benefits are unclear and vary by source; confirm current terms with IndusInd
- Only one reward category can be active at a time
Key Perks & Spending Milestones
Up to 8X Reward Points in your chosen plan category (Home, Shop, Travel or Party); 0.5 points per ₹100 outside it
1 Reward Point = ₹0.40 on redemption
Lifetime free card, no annual fee
Lounge access terms are unclear and vary by source — confirm directly with IndusInd before relying on a specific lounge benefit
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
How does the plan-based reward system work on Platinum Aura Edge?
Does IndusInd Platinum Aura Edge offer lounge access?
Does this card have an annual fee?
Compare IndusInd Bank Platinum Aura Edge Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IndusInd Bank Platinum Aura Edge Credit Card This Card | ₹500 + Taxes | Up to 4-8X Reward Points per ₹100 in your chosen plan category... | — | 4.3/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |