IndusInd Platinum Aura Credit Card is one of the bank’s entry-level offerings and stands out because it allows the joining/annual fee to be waived. The card carries a low base rewards rate, but it does offer a few useful features and flexible reward plans that may suit specific spending habits.
Joining Fee: Rs. 899 + Tax (waived if you spend Rs. 25,000 within the first 90 days)
IndusInd Platinum Aura Credit Card
Reward Points
- Standard earn rate: 0.25%
- Accelerated earn rate: Up to 2% (depends on the rewards plan you select)
The Platinum Aura card lets you choose from a set of rewards plans tailored to different spending patterns — for example, travel or shopping. While the base rates are modest, selecting the right plan can improve the value you get from routine purchases.
Redemption Options
Reward points can be redeemed as statement credit (cash), airline miles or travel vouchers. Converting points to statement credit typically provides the most straightforward and transparent value.
Key Features
- CardExpert rating: 2.5/5
- Reward rate: 0.25% up to ~2%
- Complimentary airport lounge access: No
- Foreign exchange markup fee: 3.5% + applicable taxes
- Special feature: Annual fee waiver on meeting spend criteria
This is a basic credit card that sits below many other entry-level cards in overall benefits. However, it can be a practical choice if you want at least one IndusInd card in your wallet, especially since the joining fee can be waived with reasonable initial spending.
One additional reason to consider holding an IndusInd card is their frequent personalized, spend-based offers during festive seasons such as Diwali. These limited-time promotions can substantially increase effective rewards and bring the card’s value closer to higher-tier products. For customers who can time spending to take advantage of such offers, owning a basic IndusInd card can be worthwhile.
If you plan to try the card primarily to access these seasonal offers, make sure the timing and spend requirements align with your intended purchases so you can secure the fee waiver and any promotional benefits.
Are you using an IndusInd credit card or considering applying for one? Share your experience or questions.