IndusInd Bank
IndusInd Bank Platinum RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
2% points
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- Lifetime free credit card
- UPI enabled for quick transactions
Category Rewards
Specialty
UPI Transactions 2X
2X
Reward Calculator
Earns ₹480/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
1.9K
IndusInd Reward Points
₹480
via statement credit · ₹0.25/pt
Effective rate
0.31%
Annual fee
FREE
Year 1 net
+₹480
Year 2+ net
+₹480
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 2 Reward Points for every Rs. 100 spent on UPI transactions. Earn 1 Reward Point for every Rs. 100 spent on non-UPI transactions.
- 1 RP = Rs 0.35.
Benefits & Features
1% Fuel Surcharge Waiver (Rs. 40 Monthly & Rs. 480 Annually)
Pros & Cons
Pros
- Lifetime free credit card with no annual or renewal charges
- Can be linked to UPI apps like Google Pay, Paytm
Cons
- No lounge access
- No dining/movie benefits
Additional Info
This card does not provide any lounge access or dining/movie benefits.
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks