IndusInd Platinum Aura Edge: Earn More Reward Points in 2025

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Card Fees

₹500

Joining Fees

Life Time Free

Annual Fees

3.5%

Foreign Transaction Fee

47.40%

APR

2.5%

Over-limit Fee

Eligibility Criteria

18-60

Minimum & Maximum Age Criteria

30,000

Minimum monthly income

750

Minimum Credit Score

Category

, ,

Minimum Credit Score Required

750

Annual Charges

Life Time Free

Features

  • Up to 4x Reward Points Earned
  • Fuel Surcharge Waiver
  • Shopping & Lifestyle Benefits

Welcome Offer

  • Exclusive Gift Vouchers on Join
  • Bonus Reward Points on Signup
  • No Annual Fee (Limited Time)

Reward Points Capping – Maximum points in each category.The IndusInd Bank Platinum Aura Edge Credit Card is a premium credit card designed to enhance your lifestyle while offering great savings and convenience. This card caters to different spending patterns, making it a perfect choice for shopping, dining, travel, and daily expenses. With reward programs, exclusive offers, and flexible payment options, it seamlessly integrates luxury and financial flexibility.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • Earn Reward Points on Every Transaction:
    • Up to 8X reward points on specific merchant categories.
    • Convert your points to airline miles, vouchers, or cash at competitive rates.
  • Flexible Redemption Options:
    • Use points to pay bills or make purchases directly at partner merchants.
    • Convert 100 reward points to 100 InterMiles or redeem 400 points for 100 KrisFlyer Miles.
  • Welcome Offers and Vouchers:
    • Enjoy vouchers from leading brands like Amazon, Flipkart, Ola, Uber, and Apollo Pharmacy upon joining.
  • Fuel Surcharge Waiver:
    • Get 1% fuel surcharge waiver across all fuel stations, saving up to ₹2,400 annually.
  • Comprehensive Protection Plan:
    • Secure yourself with Total Protect, covering card loss, theft, and fraud.
    • Air accident insurance up to ₹25 lakh for added security.

Travel Benefits with Aura Edge Travel Plan

IndusInd Bank partners with Oriental Insurance Company to offer travel protection through the Aura Edge Travel Plan.

CoverageSum Assured
Delayed Baggage₹25,000
Lost Baggage₹1,00,000
Lost Ticket₹25,000
Loss of Passport₹50,000
Missed Connection₹25,000

Terms and Conditions apply.

Reward Programs – Choose Your Plan

  1. Platinum Aura Edge Shop Plan

    Spend CategoryReward Points on ₹100
    Department Store Shopping4 Points
    Consumer Durables & Electronics2 Points
    Dining (Restaurants)1.5 Points
    Books1.5 Points
    Other Expenses0.5 Points
  2. Platinum Aura Edge Home Plan

    Spend CategoryReward Points on ₹100
    Grocery Shopping4 Points
    Mobile Bills1.4 Points
    Electricity & Insurance Payments1.4 Points
    Medical Expenses1.5 Points
    Other Expenses0.5 Points
  3. Platinum Aura Edge Travel Plan

    Spend CategoryReward Points on ₹100
    Hotel Bookings4 Points
    Airline Tickets2.5 Points
    Car Rentals1.5 Points
    Rail Tickets1.5 Points
    Other Expenses0.5 Points
  4. Platinum Aura Edge Party Plan
    Spend CategoryReward Points on ₹100
    Restaurant Dining4 Points
    Department Store Purchases2 Points
    Bar and Pub Payments2 Points
    Movie Tickets1.5 Points
    Other Expenses0.5 Points

Contactless Payment Convenience

The IndusInd Bank Platinum Aura Edge Credit Card is equipped with contactless payment technology for faster, more secure transactions. Simply tap the card at participating merchant locations to complete payments quickly without entering a PIN for purchases up to a specific limit.

  • Pay at over 1 million merchants in India and 30 million outlets globally.
  • Enjoy faster checkout and improved security.

Fees And Charges

Charge TypeFee Amount
Joining FeeNil
Annual FeeNil
Finance Charges3.95% per month (47.40% annually)
Late Payment FeeUp to ₹100 – Nil, Above ₹100 – ₹350 to ₹1,300
Overlimit Fee

2.5% of over-limit amount (Min ₹500)
Foreign Currency Mark-up1.8%

Pro and Cons:

Pros:

  • 4x Rewards on Select Categories – Great for shopping & utility spends
  • Fuel Surcharge Waiver – Save on every fuel transaction.
  • Lifetime Free Option – No annual fee under special plans.

Cons:

  • Limited Travel Benefits – No lounge access or travel perks.
  • Reward Points Capping – Maximum points in each category.
  • No Cashback – Rewards only, not direct savings.

How To Apply

Applying for the card is easy and can be done online. Follow these steps:

  1. Visit the IndusInd Bank Website
  2. Check Eligibility by entering basic details.
  3. Fill Out the Application Form with personal and professional information.
  4. Upload Documents – ID proof, address proof, income proof.
  5. Submit and wait for approval.
  6. Receive the card at your registered address.

Additional Information

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  1. Is the card equipped with chip technology?
    Yes, it offers enhanced security with an EMV chip.
  2. Can I make international transactions?
    Yes, the card is accepted worldwide.
  3. What happens if I lose the card?
    Contact customer care immediately to block the card.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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