IndusInd BankVisa · MastercardLast checked 12 Oct 2026
The IndusInd Platinum Aura Edge Credit Card charges no annual fee and no joining fee. Its base return is 0.25%. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Lifetime free per issuer MITC and earlier reading; the product page states no fee and points to the Schedule of Charges. Also the usual card issued against a fixed deposit.
Rewards
Welcome benefit
Only on select fee plans: Vouchagram or Vouchagram Premium vouchers
Reward currency
Savings Points
Base earn
0.5 savings point per Rs 100 on spend outside the chosen plan's categories
Base returnunverified
0.25%
Point valueunverified
Issuer plan tables: 1 savings point = Re 0.50 against card dues, or 0.5 airline mile. The same page flags later changes to cash credit redemption without giving a rate; aggregator says Rs 0.40
Accelerated earn
Pick one of four plans (savings points per Rs 100). Shop: 4 department stores, 2 consumer durables/electronics, 1.5 restaurants, 1.5 books. Home: 4 grocery, 1.4 cellphone bills, 1.4 electricity bills, 1.4 insurance premium (cut from 2.5 / 2.5 / 1.5 on 1 Aug 2019), 1.5 medical. Travel: 4 hotels, 2.5 airline tickets, 1.5 car rental, 1.5 rail tickets. Party: 4 restaurants, 2 department stores, 2 bars and pubs, 1.5 movie tickets. Headline: up to 8X
Caps
Cash credit redemption max 2,500 points per calendar month (effective 1 Sep 2024)
Spends that earn nothing
No points on fuel (from 1 Apr 2018)
Reward notes
base_return_pct = 0.5 point per Rs 100 x Re 0.50 (issuer plan tables) = 0.25%; 2.0% in the top category of the chosen plan. Treat as uncertain: the page says cash credit redemption has changed and the aggregator rate of Rs 0.40 would give 0.2%. Plan change fee Rs 250 and redemption fee Rs 100-149 per earlier reading.
Transfers
Partners
Singapore KrisFlyer
Ratiounverified
1 savings point = 0.5 airline mile (issuer plan tables); KrisFlyer is the airline option listed
Travel and perks
Domestic loungeunverified
None
International loungeunverified
None
Forex markup
3.5%
Fuel surcharge waiver
1% waiver at all petrol pumps in India; MITC: 1% + GST fee above Rs 30,000 fuel spend per cycle
Other freebies
Travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit
Charges and eligibility
Interest per month
3.95%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
2.5% min Rs 300
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Notice on page: certain features revised from 30 Nov 2021 (details behind a link, not fetched). Page says nothing on lounges, expiry or eligibility. Club Vistara redemption ended 31 Oct 2024, InterMiles 21 Jan 2025. CONFLICTS (issuer page used; old value and source): point_value: old Rs 0.40 cash credit (Card Insider); issuer plan tables say Re 0.50 (page also flags unspecified later changes) | base_return_pct: old 0.2; recomputed 0.25 from issuer figures | transfer_ratio: old 400 points = 100 KrisFlyer miles (Paisabazaar); issuer plan tables say 1 point = 0.5 airline mile | accelerated_earn Home plan: old 2.5 on electricity/mobile bills and 1.5 on insurance (Card Insider); issuer page 1.4 on all three since 1 Aug 2019. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd Platinum Aura Edge Credit Card?
No annual fee.
Does the IndusInd Platinum Aura Edge Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the IndusInd Platinum Aura Edge Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Platinum Aura Edge Credit Card?
