IndusInd

IndusInd Platinum Aura Edge Credit Card

Apply for IndusInd Platinum Aura Edge Credit Card and earn up to 2% back with 4 customizable reward plans for shop, home, travel or party spends.

ShoppingDiningTravelUtility Bills
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Issued by

IndusInd

IndusInd Platinum Aura Edge Credit Card image
Joining FeeFree
Annual FeeFree
Income₹35000
Credit Score725

Key Highlights

Shopping

Earn 4 Reward Points Per ₹100 on your Top Spending Category

choose from 4 reward plans — Shop, Home, Travel or Party — to maximize earnings on what you spend most on

Shopping

Earn 2 Reward Points per ₹100 on Electronics & Departmental Stores

on Shop Plan, plus 1.5 points on Restaurants and Books, valued at ₹0.50 per point

Travel

Earn 4 Reward Points per ₹100 on Hotel Expenses

via Travel Plan plus 2.5 points on airline tickets and 1.5 points on car rental & rail tickets

Dining

Earn 4 Reward Points per ₹100 on Restaurant Bills

via Party Plan plus 2 points on departmental stores & bars/pubs, and 1.5 points on movie tickets

Utility Bills

Earn 4 Reward Points per ₹100 on Grocery

via Home Plan plus 1.5 points on medical spends and 1.4 points on cellphone, electricity & insurance bills

Earn 4 Reward Points Per ₹100 on Your Top Spending Category

choose from 4 reward plans — Shop, Home, Travel or Party — to maximize earnings on what you spend most on

Earn 4 Reward Points per ₹100 on Hotel Expenses

via Travel Plan plus 2.5 points on airline tickets and 1.5 points on car rental & rail tickets

Eligibility

Age Criteria21-60

Applicants must be between 21 and 60 years of age at the time of application.

Credit Score725

A minimum credit score of 725+ is recommended for approval.

Salaried Income₹3 LPA

A minimum annual income of ₹3 LPA is required to apply for this card, as per bank eligibility criteria.

Self-employed Income₹4 LPA

A minimum annual income of ₹4 LPA is required to apply for this card, as per bank eligibility criteria.

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining FeeFree

This card has no joining fee — it is lifetime free.

Joining Fee OffsetNot Applicable
Annual FeeFree

Not Applicable

Annual Fee WaiverNot Applicable
Estimated Annual Saving₹4567

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.40
Redemption Options
  • Cash Credit (Statement Credit)
  • IndusMoments Portal (Vouchers & Merchandise)
  • Pay with Rewards
  • Airline Miles
Earning ExclusionsCash Advances, ATM Cash Withdrawals, EMI Spends, Bank Charges & Fees, Late Payment Fees, Processing Fees, Financial Charges, Interest Charges, Payment Returned Charges, Service/Interest Charges, Transaction Charges, Fuel Spends, Utility Bill Payments, Taxes, Insurance Payments, Rent Payment
Spend ExclusionsCash Advances, ATM Cash Withdrawals, EMI Spends, Bank Charges & Fees, Late Payment Fees, Processing Fees, Financial Charges, Interest Charges, Payment Returned Charges, Service/Interest Charges, Transaction Charges, Fuel Spends, Utility Bill Payments, Taxes, Insurance Payments, Rent Payment

Benefits

All Benefits

  • Choose from 4 customizable reward plans: Shop, Home, Travel, or Party, to earn 4 savings points per ₹100 (effective 2%) on the category you spend most on
  • Travel Plan earns 4 points/₹100 on hotels and 2.5 on airlines, ideal for frequent travellers looking to maximize savings points convertible to airline miles
  • Points never expire as long as the card is active and can be redeemed as cash credit (₹0.50/point) or converted to airline miles (0.5 miles/point).

Flight Benefits

  • Earn 4 savings points per ₹100 on hotel expenses, 2.5 on airline tickets, 1.5 on car rental & rail tickets, 0.5 on all other spends under Travel Plan
  • 1 savings point = ₹0.50 cash credit or 0.5 airline mile
  • Redeem points against card dues or convert to airline miles via indusmoments.com

Railway Benefits

  • Earn 1.5 Reward Points on railway ticket bookings through IRCTC under Travel Plan

Cab Benefits

  • Earn 1.5 Reward Points on car rental expenses under Travel Plan

Movie Ticket Benefits

  • Earn 1.5 Reward Points on movie ticket purchases under the Party Plan

Dining Benefits

  • Up to 4 Reward Points on restaurant bills under Party Plan
  • 1.5 Reward Points on dining spends under Shop Plan

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on transactions between ₹400–₹4,000
  • Applicable at all petrol pumps across India 

Insurance Benefits

  • Personal Air Accident insurance cover up to ₹25 lakhs
  • Lost card liability cover for 48 hours prior to reporting loss
  • Counterfeit fraud protection under ‘Total Protect’
  • International travel insurance including loss/delay of baggage, passport/ticket loss, missed connection with coverage up to ₹1 lakh

Bank Offers

  • Exclusive offers and discounts on travel, dining, and entertainment via Visa/MasterCard/Network platforms

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance

FAQ

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