IndusInd Platinum Aura Edge Credit Card - Features, Benefits, Fees & Charges

Best For

Shopping

Dining

Grocery Shopping

Travel

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

N/A

Annual Fees

₹0 ( ₹0 + GST )

N/A

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

725+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.40

Redemption Options

You can redeem your rewards via:

Indus Moments
Airline Miles on Krisflyer
Cash Credit
Pay with Rewards

To check redemption catalogue

All Card Benefits

All Benefits

Flexible reward plans tailored to spending categories: Shop, Home, Travel, and Party.
Earn 4 Reward Points for every ₹100 spent in select categories under your chosen plan.
Earn 2 Reward Points for every ₹100 spent on other eligible transactions (except fuel).
Reward points never expire and can be redeemed for vouchers, travel bookings, or statement credit.

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Cash Advances

ATM Cash Withdrawals

EMI Spends

Bank Charges & Fees

Late Payment Fees

Processing Fees

Financial Charges

Interest Charges

Payment Returned Charges

Service/Interest Charges

Transaction Charges

Fuel Spends

Utility Bill Payments

Taxes

Insurance Payments

Rent Payment

For Spends Waiver

Cash Advances

ATM Cash Withdrawals

EMI Spends

Bank Charges & Fees

Late Payment Fees

Processing Fees

Financial Charges

Interest Charges

Payment Returned Charges

Service/Interest Charges

Transaction Charges

Fuel Spends

Utility Bill Payments

Taxes

Insurance Payments

Rent Payment

Bank Fee Structure

Structure	Details
Forex Markups 3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends ₹100 - ₹3.5 ₹1000 - ₹35 ₹10,000 - ₹350 ₹1,00,000 - ₹3500	3.5%
APR Fees Finance charges of 3.95% per month (47.40% per annum) apply on unpaid outstanding balances until the amount is fully repaid	3.95%
ATM Withdrawl 2.5% of the transaction amount or a minimum of ₹300 per transaction	2.5%
Reward Redemption Fees A reward redemption fee of ₹100 is charged for each redemption	₹100
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets	1%
Rent Payment Fees 1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹3000 per transaction.	1%
Cheque Payment Fees Cheque Return Fee: 2% of the cheque amount, subject to a minimum of ₹450	₹250
Cash Payment Fees ₹100 cash payment fee per deposit	₹100

Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹1000	₹350
₹1001 - ₹10000	₹550
₹10001 - ₹25000	₹800
₹25001 - ₹50000	₹1100
₹50001 - and above	₹1300