Platinum Visa Credit Card
IndusInd Bank
last updated: Nov 21, 2025
₹0
₹0
1.99%
2 visits/yr
Contents
The Platinum Visa Credit Card from IndusInd Bank is an entry-to-premium rewards card focused on everyday spends, fuel benefits and basic travel protections. It offers reward points on most purchases, a fuel-surcharge waiver and complimentary travel protection, making it suitable for frequent spenders who want straightforward rewards. Ideal for dining, shopping and travel with simple redemption options.
Features of Platinum Visa Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based insights
Rewards Structure of Platinum Visa Credit Card
Base
baseAll sands
Milestones of Platinum Visa Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback or equivalent rewards
Annual Milestone
₹2,00,000 : Premium reward or travel voucher (subject to bank terms)
Fees & Charges of Platinum Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waiver/benefits vary by product and tenure; check bank terms.
Fee Explanation Standard bank interest and charges apply for overdue amounts; refer to the issuer schedule.
Lounge Access Benefits with Platinum Visa Credit Card
domestic Lounges
silverVisits per year: 2
Guest access: No
Subject to card variant and bank offers
Insurance Coverage with Platinum Visa Credit Card
Personal air accident insurance
₹25,00,000As provided by the issuer for cardholders
Purchase protection
Up to ₹50,000Claims within 90 days of purchase; check issuer T&Cs
Additional Features of Platinum Visa Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Add-on cards available
Subject to bank approval
Welcome Bonus with Platinum Visa Credit Card
Welcome Bonus: Luxe gift card and reward vouchers
Bonus Conditions: Welcome package and vouchers subject to joining/activation terms as per bank.
Application Process for Platinum Visa Credit Card
Processing Time
3-7 business days (subject to verification).
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via IndusInd Bank portal
Upload KYC documents
Receive verification call or email
Card dispatched upon approval (typical 3–7 business days)
Required Documents for Platinum Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Platinum Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Platinum Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar as per KYC requirements.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of Platinum Visa Credit Card
- Simple reward earning
- Fuel benefit for petrol spends
- Travel insurance cover
Cons of Platinum Visa Credit Card
- Lower point-earning rate compared to premium cards
- Limited premium lounge access
Frequently Asked Questions about Platinum Visa Credit Card
Is there a joining fee?
No joining fee for the standard Platinum variant; specific variants may have fees—verify on the application page.
How do I apply online?
Apply via IndusInd Bank’s credit card application portal with PAN and KYC documents; processing is typically 3–7 business days.
What is the reward earn rate?
Earn 1.5 reward points for every ₹150 spent (IndusRewards rules apply).
Is there a fuel surcharge waiver?
Yes — a 1% fuel surcharge waiver at participating petrol pumps, subject to terms.
What travel protection is included?
Complimentary personal air accident insurance (coverage noted on issuer pages); other protections may also apply.
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