Platinum Aura Edge Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹0
₹500
3.5%
No lounge access
Contents
IndusInd Bank Platinum Aura Edge Credit Card is a lifetime-free rewards credit card designed for beginners and value seekers. You get four flexible rewards plans tailored for shopping, travel, home and party expenses, with up to 8X reward points on select categories. The card also offers a 1% fuel surcharge waiver, contactless payments, and worldwide acceptance on the Mastercard network. It suits users who want to start their credit journey while maximising rewards on everyday spends.
Features of Platinum Aura Edge Credit Card which makes it unique
Four Custom Rewards Plans
Choose between Shop, Home, Travel or Party Plan based on your lifestyle.
Optimises reward earnings on the categories where you spend most.
More flexible than many entry-level rewards cards with fixed earn rates.
Lifetime Free Structure
No annual fee with common promotional offers that make the card effectively lifetime free.
Keep your card active for building credit history without worrying about recurring fees.
Attractive for first-time credit card users and light spenders.
Savings Points Concept
Reward points are treated as ‘Savings Points’ that can be converted into cash credit.
Directly reduces your outstanding balance when redeemed for statement credit.
Easier to monetise than catalogue-only redemption programs.
Rewards Structure of Platinum Aura Edge Credit Card
Departmental Stores
acceleratedShopping at standalone departmental and retail stores under Shop Plan.
Part of Platinum Aura Edge Shop Plan for everyday shopping.
Grocery and Supermarkets
acceleratedGrocery spends and supermarket purchases under Home Plan.
Best suited if most spends are on groceries and essentials.
Travel Bookings
acceleratedHotel and airline bookings, rail and car rentals under Travel Plan.
Ideal for users who frequently spend on travel and stays.
Dining, Movies and Nightlife
acceleratedRestaurant, bar, pub and movie ticket spends under Party Plan.
Designed for cardholders who spend more on dining out and entertainment.
All Other Eligible Spends
baseRetail spends excluding fuel and non-eligible categories across all plans.
Base reward rate applicable regardless of the chosen Platinum Aura Edge plan.
Fees & Charges of Platinum Aura Edge Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹300 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:No annual renewal fee; lifetime free structure as per current IndusInd Bank schedule of charges.
Fee Explanation Finance charges up to 3.95% per month (47.40% p.a.), late payment fee slabs up to ₹1,300, and overlimit fee of 2.5% (min ₹500) as per IndusInd Bank credit card schedule of charges.
Detailed Explanation of Platinum Aura Edge Credit Card Fees
Joining Fee: ₹500 + GST (one-time)
Often available as lifetime free through partner or bank offers; check latest IndusInd Bank promotions.
Annual Fee: ₹0 (yearly)
No annual fee; currently treated as a lifetime free credit card.
Finance Charges: 3.95% per month (47.40% p.a.) (monthly)
Applied on revolved balances, cash advances and unpaid dues after due date.
Forex Markup Fee: 3.5% of transaction value (transaction)
Charged on international transactions including online payments in foreign currency.
Cash Advance Fee: 2.5% of amount (min ₹300) (transaction)
Charged on ATM and counter cash withdrawals; interest applies from transaction date.
Late Payment Fee: Up to ₹1,300 (statement)
Slab-based fee depending on total outstanding; no fee if outstanding is up to ₹100.
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (statement)
Charged when total outstanding crosses the sanctioned credit limit.
Insurance Coverage with Platinum Aura Edge Credit Card
Air Accident Cover
Lump-sum benefit as per IndusInd Bank Platinum Aura Edge policy at the time of claim.Available when the credit card is active and dues are within allowed limits; exact coverage and exclusions as per policy wordings.
Travel Inconvenience Cover
Benefits towards lost or delayed baggage, lost passport and missed connections as per bank terms.Coverage amounts and claim process governed by the insurer tied up with IndusInd Bank.
Purchase Protection
Protection against accidental damage or theft for select high-value purchases.Covered for a limited period from purchase date and subject to insurer’s terms and exclusions.
Additional Features of Platinum Aura Edge Credit Card
Contactless Payments
Tap-and-pay enabled Mastercard for quick, secure payments at NFC-enabled terminals.
PIN not required for small-value transactions up to the limit set by the bank and network.
Add-on Cards
Option to get multiple add-on cards for family members and track spends under one account.
Add-on holders must meet bank’s eligibility norms and KYC requirements.
EMI Conversion
Convert eligible big-ticket purchases into EMIs directly through IndusInd Bank.
Minimum transaction amount and processing rules apply; interest rate as per prevailing EMI offer.
IndusMobile and IndusNet Access
Manage the card via mobile app or net banking, track spends and redeem reward points.
Requires active internet banking or registered mobile banking profile.
Welcome Bonus with Platinum Aura Edge Credit Card
Welcome Bonus: Welcome vouchers from brands like Amazon, Flipkart and more online.
Bonus Conditions: Welcome vouchers and their value depend on the latest IndusInd Bank offers and may change without prior notice.
Application Process for Platinum Aura Edge Credit Card
Processing Time
Instant approval for eligible online applications, card dispatch usually within 5–7 working days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the IndusInd Bank website or Finanjo credit card comparison page and select the Platinum Aura Edge Credit Card.
Fill in your basic details such as name, mobile number, PAN and income information.
Complete video KYC or document upload as per IndusInd Bank requirements.
Receive instant eligibility decision and, once approved, the card is dispatched to your registered address.
Required Documents for Platinum Aura Edge Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Platinum Aura Edge Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at retail stores, fuel pumps, restaurants and service merchants across India.
International Acceptance
Accepted at millions of merchant outlets and ATMs worldwide on the Mastercard network.
Online Acceptance
Supported on major e-commerce sites, bill payment platforms and travel portals.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Platinum Aura Edge Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Stable income, clean credit history, valid PAN and Aadhaar, and successful completion of video KYC as per IndusInd Bank policy.
How Approval Is Decided
- Minimum age of 18 years with Indian residency.
- Stable monthly income, typically ₹25,000 or higher.
- Clean repayment history and a credit score around 700 or above.
- Successful verification through KYC and risk assessment by IndusInd Bank.
Pros of Platinum Aura Edge Credit Card
- Lifetime free card for many applicants with no annual fee burden.
- Flexible reward structure with up to 8X points on shopping, travel, home and party categories.
- Fuel surcharge waiver on eligible fuel spends.
- Reward points can be redeemed for cash credit, vouchers and other options.
Cons of Platinum Aura Edge Credit Card
- Low base reward rate of 0.5 points per ₹100 on non-bonus categories.
- No complimentary airport lounge access on this variant.
- Cash advance and finance charges are relatively high, typical of most credit cards.
Frequently Asked Questions about Platinum Aura Edge Credit Card
Is the IndusInd Bank Platinum Aura Edge Credit Card lifetime free?
Yes. There is usually no annual fee on the Platinum Aura Edge Credit Card, and many current offers make it effectively lifetime free for eligible customers.
How do the Platinum Aura Edge reward plans work?
You can choose one of four reward plans—Shop, Home, Travel or Party—so that you earn higher points on the categories where you spend most, such as groceries, travel, dining or departmental stores.
Does the Platinum Aura Edge Credit Card offer airport lounge access?
No, this Mastercard variant of the Platinum Aura Edge Credit Card does not offer complimentary airport lounge access. It focuses on flexible rewards and everyday savings instead of lounge benefits.
What fuel benefits are available on this credit card?
You get a 1% fuel surcharge waiver on eligible fuel transactions, usually within the bank-defined transaction range at participating petrol pumps in India.
What is the minimum income required for the Platinum Aura Edge Credit Card?
IndusInd Bank generally requires a minimum monthly income of around ₹25,000 for both salaried and self-employed applicants, along with a good credit profile.
Can I change my reward plan after choosing one?
Yes, IndusInd Bank allows you to switch reward plans after a minimum lock-in period, typically six months, so you can realign benefits with your spending pattern.
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