This is yet another comparison between IndusInd Bank’s two lifetime-free credit cards: the Platinum Aura Edge and the Platinum RuPay Credit Card. Since the cards are offered for life, no joining or renewal benefits are provided. They also don’t offer any lifestyle perks, such as lounge access, movies, or dining benefits. However, the cards differ distinctly in their reward structures. Reward points distribution and the value of rewards at redemption are the only solid basis to compare the two cards, as both lack any other perks.
That said, these cards are not entirely bare-bones. Where they differ and where users can extract real value is in their reward structures. The Aura Edge card allows users to choose from 4 customisable reward plans tailored to different spending habits. In contrast, the Platinum RuPay card follows a simpler, UPI-focused reward system. Since neither card offers premium perks, the only meaningful basis for comparison is in how reward points are earned and redeemed.
IndusInd Aura Edge Credit Card Reward Structure
IndusInd Aura Edge offers four different reward plans for users to choose from, based on their spending habits. The reward plans include the following.
Platinum Aura Shop Plan
The Shop Plan is ideal for frequent shoppers at department stores or those who regularly purchase electronics and books.
| Spend Categories | Savings Points Per Every ₹100 Spent |
| Shopping in Department Stores | 4 SP |
| Consumer Durables/Electronic Items | 2 SP |
| Restaurant Bills | 1.5 SP |
| Books | 1.5 SP |
| All Other Eligible Expenses | 0.5 SP |
Platinum Aura Home Plan
Home Plan suits individuals with higher monthly expenses on groceries, utility bills, insurance, or medical needs.
| Spend Categories | Savings Points Per Every ₹100 Spent |
| Grocery Shopping | 4 SP |
| Electricity/Cellphone bills | 1.4 SP |
| Insurance Premium | 1.4 SP |
| Medical Expenses | 1.5 SP |
| All Other Eligible Expenses | 0.5 SP |
Platinum Aura Party Plan
The Party Plan is ideal for those who enjoy dining out, hitting bars, or catching movies on weekends.
| Spend Categories | Savings Points Per Every ₹100 Spent |
| Restaurant Expenditure | 4 SP |
| Department Stores Expenditure | 2 SP |
| Spending in Bars and Pubs | 2 SP |
| Movie Tickets | 1.5 SP |
| All Other Eligible Expenses | 0.5 SP |
Platinum Aura Travel Plan
The Travel Plan is perfect for frequent flyers and travelers who spend on hotels, flights, or car rentals.
| Spend Categories | Savings Points Per Every ₹100 Spent |
| Hotel Expenditure | 4 SP |
| Flight Tickets | 2.5 SP |
| Car Rental Expenditure | 1.5 SP |
| Railway Tickets | 1.5 SP |
| All Other Eligible Expenses | 0.5 SP |
Redemption of Reward Points
The collected points can be redeemed against dues on your IndusInd Bank Platinum Aura Credit Card or for airline miles.
- Redeem against the statement balance at a rate of 1 SP = ₹0.40.
- Redeem your Savings Points for KrisFlyer Miles. 400 Reward Points = 100 KrisFlyer Miles.
- Use “Pay with Rewards” available at select merchants.
IndusInd Platinum RuPay Credit Card Reward Structure
The IndusInd Platinum RuPay card has a simpler reward structure compared to the Platinum Aura Edge. It has a fixed reward point distribution system across various merchant categories.
- Get 2 Reward Points on every ₹100 spent with UPI.
- Get 1 Reward Point for every ₹100 spent on a non-UPI transaction.
- Earn ₹0.70 for certain eligible spends.
Redeeming Reward Points
You can use your earned reward points towards the following options.
- Instant discounts and cashback offers on popular brands with IndusMoments.
- Redeem reward points for KrisFlyer Miles or AirMiles. 400 Reward Points = 100 KrisFlyer Miles.
- Redeem for credit against the billing statement. 1RP = ₹0.35
Bottom Line
Both the IndusInd Bank Platinum Aura Edge and Platinum RuPay Credit Card are lifetime-free credit cards that focus solely on reward earnings. The Aura Edge offers higher reward rates, up to 4 points per ₹100 spent, but only within select spending categories defined by the user’s chosen reward plan. In contrast, the Platinum RuPay Credit Card offers a flat 2 points per ₹100 on UPI transactions, making it especially rewarding for those who prefer digital payments.
When it comes to redeeming reward points, the Aura Edge offers a slightly better value at ₹0.40 per point, while the RuPay Card offers ₹0.35 per point against the billing statement. Neither card includes lifestyle perks like lounge access, dining discounts, or travel benefits, making them best suited for users interested purely in rewards.
Apply for the IndusInd Aura Edge to maximise rewards in specific categories, such as shopping, groceries, or travel.
Go for the IndusInd Platinum RuPay Card if you prefer a simpler, UPI-centric card that rewards you consistently across all digital spends.
FAQs
Which card is better for UPI transactions?
The IndusInd Platinum RuPay Credit Card offers two reward points per ₹100 spent on UPI transactions, making it a more attractive option for UPI-based transactions.
What is the value of reward points in IndusInd Aura Edge?
The value for each reward point on Platinum Aura Edge is ₹0.40 (for statement credit).
What is the value of reward points in IndusInd Platinum RuPay?
The value for each reward point on Platinum RuPay is ₹0.35 (for statement credit).
Can I redeem points for airline miles with these cards?
Yes, both cards allow redemption of points for airline miles like KrisFlyer Miles, 400 Reward Points = 100 KrisFlyer Miles.