IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank · Visa · Entry card
A no-fee category-rewards card for shoppers who still want a conventional bank card.
Fee-averse department-store and electronics shoppers.
Terms checked 24 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.2% |
| Groceries & essentials | 0.2% |
| Dining & delivery | 0.2% |
| Travel & hotels | 0.2% |
| Bills & utilities | 0.2% |
| Beauty & wellness | 0.2% |
| Entertainment & movies | 0.2% |
| Education & family | 0.2% |
| Healthcare & pharmacy | 0.2% |
| Subscriptions & streaming | 0.2% |
| Offline store shopping | 0.2% |
| International spending | 0.2% |
| Gold & jewellery | 0.2% |
| Insurance premiums | 0.2% |
| Other miscellaneous | 0.2% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 16 items
Shop plan department-store points
Usage-based valueFour Savings Points per ₹100 only under the selected Shop plan at eligible department stores.
Conditions: Four Savings Points per ₹100 only under the selected Shop plan at eligible department stores.
Shop plan electronics points
Usage-based valueTwo Savings Points per ₹100 only under the selected Shop plan at eligible electronics merchants.
Conditions: Two Savings Points per ₹100 only under the selected Shop plan at eligible electronics merchants.
Shop plan restaurant and bookstore points
Usage-based value1.5 Savings Points per ₹100 only under the Shop plan at eligible restaurants and bookstores.
Conditions: 1.5 Savings Points per ₹100 only under the Shop plan at eligible restaurants and bookstores.
Home plan grocery points
Usage-based valueFour Savings Points per ₹100 only under the selected Home plan on eligible grocery purchases.
Conditions: Four Savings Points per ₹100 only under the selected Home plan on eligible grocery purchases.
Home plan utility, mobile and insurance points
Usage-based value1.4 Savings Points per ₹100 only under the selected Home plan on eligible mobile, electricity and insurance transactions.
Conditions: 1.4 Savings Points per ₹100 only under the selected Home plan on eligible mobile, electricity and insurance transactions.
Home plan medical points
Usage-based value1.5 Savings Points per ₹100 only under the selected Home plan on eligible medical expenses.
Conditions: 1.5 Savings Points per ₹100 only under the selected Home plan on eligible medical expenses.
Party plan dining points
Usage-based valueFour Savings Points per ₹100 only under the selected Party plan on eligible dining.
Conditions: Four Savings Points per ₹100 only under the selected Party plan on eligible dining.
Party plan department-store and bar points
Usage-based valueTwo Savings Points per ₹100 only under the Party plan at eligible department stores and bars.
Conditions: Two Savings Points per ₹100 only under the Party plan at eligible department stores and bars.
Party plan movie points
Usage-based value1.5 Savings Points per ₹100 only under the Party plan on eligible movie-theatre purchases; this is points, not a ticket discount.
Conditions: 1.5 Savings Points per ₹100 only under the Party plan on eligible movie-theatre purchases; this is points, not a ticket discount.
Travel plan hotel points
Usage-based valueFour Savings Points per ₹100 only under the selected Travel plan at eligible hotels.
Conditions: Four Savings Points per ₹100 only under the selected Travel plan at eligible hotels.
Travel plan airline points
Usage-based value2.5 Savings Points per ₹100 only under the selected Travel plan on eligible airline transactions.
Conditions: 2.5 Savings Points per ₹100 only under the selected Travel plan on eligible airline transactions.
Travel plan car-rental and railway points
Usage-based value1.5 Savings Points per ₹100 only under the Travel plan on eligible car-rental and railway purchases; fuel purchases remain excluded.
Conditions: 1.5 Savings Points per ₹100 only under the Travel plan on eligible car-rental and railway purchases; fuel purchases remain excluded.
Other eligible Savings Points
Usage-based value0.5 Savings Point per ₹100 on other eligible purchases when no selected-plan category rule matches.
Choose one of Shop, Home, Party or Travel reward plans; a plan change is allowed after six months for ₹250
Shown without a cash valueChoice of Shop, Home, Party or Travel reward plan
Shown without a cash value0.5 Savings Point per ₹100 on other eligible spend
Shown without a cash value
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Insurance and protection · 1 item
Total Protect card-loss and counterfeit-fraud cover under the assigned credit limit
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. IndusInd Bank does not publish a universal numeric income threshold for Platinum Aura Edge.
Other benefits · 4 items
1% fuel-surcharge waiver on eligible ₹500-₹3,000 fuel transactions
Shown without a cash valueUp to five add-on cards, an additional business card and year-end spending summary
Shown without a cash valueLifetime-free Visa or Mastercard proposition
Shown without a cash valuePlan can be changed after six months for ₹250
Shown without a cash value
Other categories (12)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ Lifetime-free Visa or Mastercard proposition
- ✓ Choice of Shop, Home, Party or Travel reward plan
- ✓ 0.5 Savings Point per ₹100 on other eligible spend
- ✓ Plan can be changed after six months for ₹250
What to watch
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.
Recorded exclusions
Fuel Commute · Rent · Cash withdrawal · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Monthly cash-redemption cap introduced
Cash-credit redemption became limited without changing how Savings Points are earned.
- Before
- The current monthly cash-redemption ceiling did not apply.
- After
- No more than 2,500 Savings Points may be redeemed for cash credit per calendar month.
Checked 24 Sept 2026IndusInd reward redemption update ↗ - Value reduced
Premium service benefits discontinued
IndusInd discontinued the former Priority Pass, Travel Plus, concierge, golf and Auto Assist package on Platinum Aura Edge.
- Before
- The card included the former premium-service package.
- After
- Those services are not current card benefits and are excluded from recommendations.
Checked 24 Sept 2026IndusInd discontinued-benefits FAQ ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 1 Sept 2024