IndusInd

IndusInd Platinum RuPay Credit Card

Apply for IndusInd Platinum RuPay Credit Card. Earn 2X rewards on UPI transactions, 1X on all other spends. Zero joining & annual fee. Best for UPI spenders.

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Issued by

IndusInd

IndusInd Platinum RuPay Credit Card image
Joining FeeFree
Annual FeeFree
Income₹49999
Credit Score750

Key Highlights

2 Reward Points

for every ₹100 spent on UPI transaction. 1 Reward Point = ₹0.40

Shopping

2 Reward Points

for every ₹100 spent on shopping purchases via UPI transaction. 1 Reward Point = ₹0.40

Enjoy Lifetime Free

with zero joining fee and zero annual fee

1 Reward Point

for every ₹100 on non-UPI transactions

Eligibility

Age Criteria21-60
Credit Score750
Salaried Income₹6 LPA
Self-employed Income₹6 LPA
Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual FeeFree
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹7576

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.40
Redemption Options
  • Indusmoments
  • Airline miles on InterMiles
  • Airline miles on Vistara
  • Cash Credit
  • Pay with Rewards
Earning ExclusionsFuel, Insurance, Rent payment, EMI Transactions
Spend ExclusionsFuel, Insurance, Rent payment, EMI Transactions, Cash Withdrawals, Jewellery, School & Educational Services, Government related transactions, Wallet transactions - Load money, Fees, GST charges, All Reversals, Gambling, Tolls, Security Broker Services, Charity, Railways, Utility Bill Payments

Benefits

All Card Benefits

  • Earn 2 reward points per ₹100 on UPI transactions
  • Earn 1 reward point per ₹100 on non-UPI transactions
  • Earn ₹0.70 per ₹100 on select merchant categories
  • Reward points applicable only up to assigned credit limit per statement cycle
  • Maximum 2,500 reward points allowed for cash redemption per calendar month

Fuel Surcharge Wavier Benefits

  • 1% fuel surcharge waiver

Documents

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

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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