Is the IndusInd Bank Platinum Aura Edge Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- No annual fee
- 0.2% base, up to 1.6% on dining
- Pays in reward points
- dining: 1.6% back
- anyone who wants no annual fee, ever
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on dining: the 1.6% rate applies only there, everything else earns 0.2%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.95% a month (47.4% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: Base 0.5 reward point per ₹100 outside your chosen Aura plan; fuel earns nothing. We model the Party plan; Home (grocery), Shop (departmental stores) and Travel (hotels) each pay 4 per ₹100, but only one plan can be active. 1 point = ₹0.40; IndusInd publishes no expiry period
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.2% | No cap | The card's normal rate | - |
| Dining and food delivery | 1.6% | No cap | All merchants in the categoryTerms: 4 reward points per ₹100 on restaurant bills under the Party plan (1.5 under Shop). Modelled on the Party plan, you hold only one plan at a time, so a Home, Shop or Travel holder earns the base 0.5 on restaurant bills instead | - |
| Groceries | 0.2% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.2% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.2% | No cap | The card's normal rate | - |
| Rent | 0.2% | No cap | The card's normal rate | - |
| Insurance premiums | 0.2% | No cap | The card's normal rate | - |
| School and college fees | 0.2% | No cap | The card's normal rate | - |
| Wallet top-ups | 0.2% | No cap | The card's normal rate | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 0.2% | No cap | The card's normal rate | - |
| Everything else | 0.2% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
