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Offered by the IndusInd Bank, the Platinum Credit Card is a decent credit card with a generous reward rate. On all the spends that you do using this credit card, the cardholders will earn reward points, which can later be redeemed against statement cash, InterMiles, or several products/vouchers at Indusmoments. You also get insurance cover against personal accident and several travel insurance covers. Keep reading the article to know more about the advantages that the IndusInd Bank Platinum Credit Card provides.

IndusInd Bank Platinum Credit Card

Joining Fee


Renewal Fee


Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits


Movie & Dining


Rewards Rate

1.5 RPs per Rs. 100 spent and 1.2 RPs per Rs. 100 spent on utilities & insurance categories.

Reward Redemption

1 RP = Re. 0.85 while redeeming reward points against cash and 1 RP = 1 InterMile / 1 CV Point.



Domestic Lounge Access


International Lounge Access




Insurance Benefits

Complimentary Air Accidental death cover worth Rs. 25 Lakhs.

Spend-Based Waiver


Rewards Redemption Fee

Rs. 100

Rewards Redemption Fee

Rs. 100

Foreign Currency Markup

3.5% of the transacted amount.

Interest Rates

3.83% p.m. (46% p.a.)

Fuel Surcharge

1% fuel surcharge waiver on transcations between Rs. 400 and Rs. 4,000 at all fuel stations in India.

Cash Advance Charges

Rs. 300 or 2.5% of the amount withdrawn, higher of the two.

  • 1.5 reward points on every ₹ 150 spent on this card (except on fuel).
  • Get a complimentary air accidental death cover of up to ₹ 25 lakh.
  • 1% fuel surcharge waiver.
  • 24*7 concierge services & auto assist

IndusInd Bank Platinum Credit Card Rewards

  • You earn 1.5 reward points on every ₹150 you spend.
  • You can earn 1.2 reward points on every ₹150 spent on select merchant categories like utility bill payments, insurance premium payments, etc. on this card.
  • No Reward points will be earned on transactions done towards fuel purchases.

Reward Redemption

  • You can convert your reward points into cash credit for paying outstanding amounts on the card. You can redeem a maximum of 10,000 reward points for cash credit in a billing cycle is 10,000. 1 RP is equivalent to ₹ 0.40 for cash redemption.
  • You can get 1 Oberoi hotel and resort stay voucher by redeeming 30,000 reward points.
  • The accumulated 27,000 reward points can be redeemed for purchasing Mont Blanc Vouchers worth ₹ 25000.
  • You can convert your reward points into Airline Miles. 100 RPs are equivalent to 100 Club Vistara Points.

Insurance Benefits

Category Insurance Coverage
Accidental air death Rs. 25 lakhs
Lost baggage Rs. 1,00,000
Delayed baggage Rs 25,000
Loss of passport Rs 50,000
Lost ticket Rs 25,000
Missed connection Rs 25,000

Other Benefits

You get complimentary access to Auto Assist such as roadside repair, emergency fuel supply, emergency towing assistance, and much more.


IndusInd Bank Platinum Credit Card targets millennials who love shopping from premium brands. This card is loaded with exciting offers on apparel and luxury items (jewelry, watch, etc). Unlike other shopping credit cards, which don’t consider insurance benefits, IndusInd Bank provides you a personal air accidental insurance cover of Rs. 25 Lakhs on Platinum Credit Card. So, if you’re looking for a lifestyle card that has covered a wide range of benefits from shopping to insurance then Platinum Credit Card by IndusInd Bank is worth consideration.


Unfortunately, the IndusInd Bank Platinum Credit Card doesn’t provide any benefits on movies and dining as of now. The previous offers were valid till 31st March 2021.
No, the IndusInd Bank doesn’t provide golf benefits to add-on members on Platinum Credit Card.
This credit card charges an interest rate of 3.83% per month on the overdue amount.
IndusInd Bank Platinum Credit Card

IndusInd Bank Platinum Credit Card


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