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IndusInd Bank Platinum Credit Card
IndusInd Bank
shopping
Annual Fee
FREE
Joining Fee
Nil
Base Reward
1.5% points
Foreign Markup
3.5% of the transacted amount.
Interest Rate
3.83% per month (46% p.a.)
Welcome Benefits
N/A
Product Highlights
- 1.5 reward points on every ₹150 spent
- Complimentary air accidental death cover of up to ₹25 lakh
- 1% fuel surcharge waiver
- 24*7 concierge services & auto assist
Rewards
You earn 1.5 reward points on every ₹150 spent on this card (except on fuel). You can earn 1.2 reward points on every ₹150 spent on select merchant categories like utility bill payments, insurance premium payments, etc.
Redemption
1 RP = ₹0.40 while redeeming points against cash. For non-cash redemption, 1 RP = ₹0.60.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
utilities | 1.2%(1.2 RPs per ₹150 spent) | No cap |
other | 1.5%(1.5 RPs per ₹150 spent) | No cap |
Benefits & Features
N/A
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup3.5% of the transacted amount.
Interest Rate3.83% per month (46% p.a.)
Cash Advance₹300 or 2.5% of the amount withdrawn, higher of the two.
Redemption Fee₹100
Eligibility
Available Networks
visa
Pros & Cons
Pros
- Generous reward rate of 1.5 RPs per ₹150 spent
- Complimentary air accidental death cover
- Fuel surcharge waiver
Cons
- No rewards on fuel purchases
- No movie and dining benefits
- Joining fee is nil but annual fee is also nil
Additional Info
You can redeem a maximum of 2,500 reward points for cash credit in a billing cycle.
Excluded Categories
fuel