Federal BankThe IndusInd Bank Platinum Aura Credit Card is a card with exceptional features that provides its customers with exclusive reward offers and other benefits on the basis of their choice. With this card, you can choose any of the reward plans as per your spends. The card rewards you in the form of Saving Points, and you can earn up to 4 saving points on every Rs. 100 you spend using this card.
To make your travel experiences better and secure, the card provides various travel insurance benefits. The cardholders can also avail of the 24*7 concierge and auto-assistance services. There are several other benefits of the IndusInd Bank Platinum Aura Edge Credit Card. To know all of them in detail, keep reading:
IndusInd Bank Platinum Aura Edge Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
0.5 Saving points per Rs. 100 spent on all categories. Up to 4 saving points per Rs. 100 spent on selected categories.
Reward Redemption
1 RP = Re. 0.5 for redemption against cash credit and 1 RP = 1 Intermile / 0.5 CV Point for redemption against Intermiles or CV Points.
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
You get insurance coverage against an air accident, lost/delayed baggage, lost passport/ticket and unauthorized transactions made on a lost/stolen card.
Zero Liability Protection
Zero liability protection against a lost/stolen card on reporting the loss to the bank within 48 hours.
Spend Based Waiver
NA
Rewards Redemption Fee
Rs. 100
Rewards Redemption Fee
Rs. 100
Foreign Currency Markup
3.5% of the foreign currency amount transacted
Interest Rates
3.95% per month
Fuel Surcharge
1% fuel surcharge waiver for all transactions between Rs. 400 and Rs. 4,000
Cash Advance Charges
2.5% or Rs. 300 (whichever is higher)
Add-on Card Fee
Nil
- You get the flexibility to choose your reward plan.
- You can earn up to 4 Saving Points on every Rs. 100 you spend.
- Travel insurance against several categories.
- Personal air-accident coverage.
- You get a 1% fuel surcharge waiver.
- 24*7 concierge services.
Pros
- This card has a one-time joining fee of Rs. 500, and there are no card renewal charges.
- The reward rate offered by this card is good in all major categories.
Cons
- No international or domestic lounge access is provided with this card.
- There aren’t any movie or dining privileges provided with this card.
IndusInd Bank Platinum Aura Edge Credit Card Features & Benefits
Welcome Benefits:
- As a welcome gift, you get discount gift vouchers from Pantaloons, Bata, Raymond, Hush Puppies, and more.
- These gift vouchers are valid only for six months from the date of card issuance.
Concierge Benefits:
You can avail the IndusInd bank’s 24*7 concierge services for the following purposes:
- Hotel / Flight bookings.
- Pre-trip assistance.
- Entertainment & sports bookings.
- Flowers & gifts.
Fuel Surcharge Waiver:
You get a 1% fuel surcharge waiver at all fuel stations for all transactions between Rs. 400 & Rs. 4,000.
Insurance Benefits
| Category | Insurance Coverage |
| Lost Baggage | Rs. 1,00,000 |
| Delayed Baggage | Rs 25,000 |
| Loss of Passport | Rs 50,000 |
| Lost Ticket | Rs 25,000 |
Other Benefits:
You get 24*7 on-road assistance service that includes:
- Flat tyre service.
- Emergency fuel supply.
- Battery service.
- Roadside repair service.
- Accident management.
- Medical assistance.
IndusInd Bank Platinum Aura Credit Card Rewards:
The IndusInd Bank Platinum Aura Edge Credit Card comes with different reward plan options, and you can choose either of them. The plans are as follows:
Platinum Aura Shop Plan
| Category | Saving Points Per Spend of Rs. 100 |
| Departmental Stores | 4 Saving Points |
| Books | 1.5 Saving Points |
| Restaurant Bills | 1.5 Saving Points |
| Consumer Durables or Electronic Items | 2 Saving Points |
| Other spends | 0.5 Saving Points |
Platinum Aura Home Plan
| Category | Saving Points Per Spend of Rs. 100 |
| Groceries | 1.4 Saving Points |
| Electricity/cell phone bills | 1.4 Saving Points |
| Insurance premium | 1.4 Saving Points |
| Medical spends | 1.4 Saving Points |
| Other spends | 0.5 Saving Points |
Platinum Aura Travel Plan
| Category | Saving Points Per Spend of Rs. 100 |
| Hotel Spends | 4 Saving Points |
| Spends on Airline Tickets | 2.5 Saving Points |
| Rail Tickets | 1.5 Saving Points |
| Other Spends | 0.5 Saving Points |
Platinum Aura Party Plan
| Category | Saving Points Per Spend of Rs. 100 |
| Restaurant Bills | 4 Saving Points |
| Departmental Stores | 2 Saving Points |
| Movie Tickets | 1.5 Saving Points |
| Other Spends | 0.5 Saving Points |
No reward points shall be accrued on Utility Bill Payments, Insurance Premium Payments, Rental Payments, Education Institution Fees, Real Estate Payments and Government Services and charges.
IndusInd Bank Platinum Aura Edge Credit Card Rewards Redemption
- The saving points you earn can be redeemed by calling the IndusInd bank’s phone banking number, i.e. 1860 267 7777.
- For redemption against cash credit, 1 SP = Re. 0.40.
- For redemption against InterMiles, 1 SP = 1 InterMile.
- For redemption against Club Vistara points, 1 SP = 0.5 Club Vistara points.
- A minimum of 500 Savings Points are required for redemption.
- The saving points can also be redeemed against various products and vouchers at Indusmoments.
Eligibility for IndusInd Bank Platinum Aura Edge Credit Card
You would need to fulfil the following conditions to be eligible for IndusInd Bank Platinum Aura Edge Credit Card.
- Must be a resident of India,
- Must be above the age of 18,
- Must have a decent credit score,
- Must have a stable source of monthly income.
How to Apply for IndusInd Bank Platinum Aura Edge Credit Card?
You can easily look at the detailed features and rewards of the Platinum Aura Edge Credit Card with Card Insider. To further apply for the IndusInd Bank Platinum Aura Credit Card, you need to either call 1860 267 7777 or you can click on the Apply Now button.
IndusInd Bank Platinum Aura Edge Credit Card Review
The IndusInd Platinum Aura Edge Credit Card is an affordable credit card and will be great for anyone who is looking for a card that would allow them to save more. One of its most incredible features is it comes with different Reward plans, and hence, you can choose to earn more, saving points on the categories where you spend more. Moreover, with a one-time joining fee, this card provides exclusive advantages across various categories, including travel, on-road assistance, concierge benefits, etc. This card is also most suitable for those who are looking for a lifetime free credit card. So, understand your spending habits and go with this card without having any further doubts.
FAQs:
- If you choose the Platinum Aura Shop Plan, you get 4 Saving Points per Rs. 100 spent on departmental stores.
- If you choose Platinum Aura Party Plan, you get 2 Saving Points per Rs. 100 spent on departmental stores.
- On choosing any other plan, you get 0.5 saving Points per Rs. 100 spent on departmental stores.
The interest rate on the IndusInd Bank Platinum Aura Credit Card is 3.83% per month.
Yes, the IndusInd Bank charges a reward redemption fee of Rs. 100 on every redemption request.
To avail of the 24*7 on-road assistance service, you just need to give the bank a call on 1860 267 7777.
There is no annual/renewal fee on the IndusInd bank Platinum Aura Credit Card.
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1 Comment
found this card interesting could you please tell me what is the income required for this credit card? because I earn 7 lakhs per annum so I wanted to know that am i eligible for this card or not.