IndusInd BankIndusInd Bank Platinum Aura Edge
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IndusInd Bank
IndusInd Bank Platinum Aura Edge
3.8 / 5visa · mastercard
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Base reward
- 0.2%
- Min income
- ₹25,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 47.4%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Groceries | 1.6% | Uncapped |
| Dining | 1.6% | Uncapped |
| Travel | 1.6% | Uncapped |
Benefits
- ▸Chooseable rewards plan matched to top spend category (4 RP/Rs.100 ~1.6%)
- ▸1% fuel surcharge waiver (Rs.500-3,000 txns)
- ▸Contactless payments (Visa payWave / Mastercard PayPass)
- ▸Choice of Visa or Mastercard network at application
- ▸EMI conversion facility
The good
- + Lifetime-free on the standard variant (no annual fee)
- + Flexible: pick a rewards plan matched to your top spend category (~1.6%)
- + 1% fuel surcharge waiver
- + Choice of Visa or Mastercard network
The catch
- − Very low base reward rate (0.5 pts/Rs.100 = 0.20% on general spends)
- − No lounge access (domestic or international)
- − No welcome bonus or milestone benefits per official guide
- − High 3.5% forex markup; redemption capped and fee'd