IndusInd Bank
IndusInd Platinum Aura Edge Credit Card
Annual Fee
Lifetime FreeBase Reward
0.5% points
Foreign Markup
3.5% on all foreign currency transactions
Product Highlights
- No annual and joining charges.
- Earn up to 8X Reward Points for Select Spends.
Category Rewards
shopping
Aura Shop Plan (4X)
4X
travel
Aura Travel Plan (4X)
4X
Specialty
Aura Home Plan (4X)
4X
dining
Aura Party Plan (4X)
4X
entertainment
Aura Party Plan (4X)
4X
Reward Calculator
Earns ₹2,460/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
9.8K
IndusInd Aura Edge Reward Points
₹2.5K
via statement credit · ₹0.25/pt
Effective rate
0.82%
Annual fee
FREE
Year 1 net
+₹2,460
Year 2+ net
+₹2,460
ongoing
Adjust your spend by reward bucket
6 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 up to 8X Reward Points on every ₹100 spent based on the selected reward plan: Shop Plan, Home Plan, Travel Plan, Party Plan.
- 1 RP = ₹0.40 for Redemption Against Cash Credit
Benefits & Features
1% fuel surcharge waiver on all fuel transactions between ₹400 & ₹4,000.
Pros & Cons
Pros
- Lifetime free card
- Flexible reward plans based on spending habits
Cons
- No complimentary lounge access
- Redemption fee of ₹100
Additional Info
A maximum of 2,500 Reward Points can be redeemed each statement cycle.
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