IndusInd Bank Platinum Credit Card
- Updated On: 19 May, 2026
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
( 3.8 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1.5 RPs per Rs. 100 spent and 1.2 RPs per Rs. 100 spent on utilities & insurance categories.
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
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 = ₹0.40 While Redeeming Points Against Cash. For Non-Cash Redemption 1 RP = ₹0.60
Travel
N/A
Domestic Lounge Access
NA
International Lounge Access
NA
Golf
N/A
Insurance Benefits
Complimentary Air Accidental death cover worth Rs. 25 Lakhs.
Fees & Charges
Spend-Based Waiver
NA
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 Waiver
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Rs. 300 or 2.5% of the amount withdrawn, higher of the two.
Product Details
- 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 2,500 reward points for cash credit in a billing cycle. 1 RP is equivalent to ₹ 0.40 for cash redemption.
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.
Conclusion
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.
FAQs:
Does this card provide any movie and dining benefits?
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.
Do add-on members have the privilege to enjoy golf benefits?
No, the IndusInd Bank doesn’t provide golf benefits to add-on members on Platinum Credit Card.
What is the interest charged on this card?
This credit card charges an interest rate of 3.83% per month on the overdue amount.