IndusInd Platinum RuPay Credit Card

Best For

Shopping

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

The joining fee is not offset by any bonus or credit

Annual Fees

₹0 ( ₹0 + GST )

The annual fee is not waived under any spending conditions

Eligibility

Age Criteria

21-60 years

Salary Criteria

6 LPA

Credit Rating*

750+

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 by

Indusmoments
Airline miles on InterMiles
Airline miles on Vistara
Cash Credit
Pay with Rewards

To check redemption catalogue

Click Here

All Card Benefits

Earn 2 reward points per ₹100 on UPI transactions
Earn 1 reward point per ₹100 on non-UPI transactions
Earn ₹0.70 per ₹100 on select merchant categories
Reward points applicable only up to assigned credit limit per statement cycle
Maximum 2,500 reward points allowed for cash redemption per calendar month

Bank Exclusions

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

For Points / Cashback Earnings

Fuel

Insurance

Rent payment

EMI Transactions

For Spends Waiver

Fuel

Insurance

Rent payment

EMI Transactions

Cash Withdrawals

Jewellery

School & Educational Services

Government related transactions

Wallet transactions - Load money

Fees

GST charges

All Reversals

Gambling

Tolls

Security Broker Services

Charity

Railways

Utility Bill Payments

Bank Fee Structure

Structure	Details
Forex Markups 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
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ATM Withdrawl 2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)	2.50%
Reward Redemption Fees No fee is charged when redeeming reward points on this card.	Not Applicable
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% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
Cheque Payment Fees No cheque payment fee is charged	0
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 - ₹1,000	₹350
₹1,001 - ₹10,000	₹550
₹10,001 - ₹25,000	₹800
₹25,001 - ₹50,000	₹1,100
Above ₹50,000	₹1,300

All Card USPs