Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
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| Feature | IndusInd Bank IndusInd Bank Platinum Aura Edge Credit Card | AU Small Finance Bank AU Bank Ananta Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IndusInd Bank | AU Small Finance Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | ₹2,000 + GST per year |
| Annual fee waiver | Not required | At ₹3,00,000 annual spending |
| Base reward rate | 0.2% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.2% · Party plan dining points | 1.3% · Dining points |
| Offline store shopping | 0.2% · Shop plan department-store points | 1.3% · Shopping points |
| Online shopping | 0.2% · Shop plan electronics points | 1.3% · Shopping points |
| Travel & hotels | 0.2% · Travel plan hotel points | 1.3% · Travel points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Fee-averse department-store and electronics shoppers. | Higher-spend AU customers who can use the shopping, dining and annual milestone benefits. |
| Main trade-off | Headline category rates depend on the selected reward plan and merchant coding; without that context the engine uses the 0.2% base value. Former lounge, concierge, golf and Auto Assist benefits ended in 2021. | Shopping, dining and travel points share a 5,000-point statement-cycle cap. Lounge access requires an AU Rewardz flight transaction of at least ₹5,000, so it is disclosed but not auto-valued from broad travel spend. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
