IndusInd Bank
IndusInd Bank Platinum Aura Edge Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.2% base, up to 1.6% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
- Interest (APR)3.95% a month, 47.4% a year
Platinum Aura Edge is a free everyday card from IndusInd. It earns savings points by category: 4 points per Rs 100 at department stores, 2 on consumer durables and electronics, 1.5 on restaurant bills and books, and 0.5 on everything else.
There is no joining or annual fee, so there is nothing to recover. Whatever you earn is a gain. It also includes a fuel surcharge waiver, insurance cover and zero liability on a lost or stolen card.
It suits a first-time card user who shops at department stores and wants a simple starter card. The catch is the weak base rate. Outside the bonus categories you earn very little, and the 3.5% forex markup makes it a poor card to use abroad.
Best for: First-time credit card users, Department store shoppers, People buying electronics or appliances, Users earning Rs 25,000 a month or more.
01IndusInd Bank Platinum Aura Edge Credit Card Rewards and Benefits
02IndusInd Bank Platinum Aura Edge Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 3.5%
- Interest rate
- 3.95% a month (47.4% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.6%₹80
- ₹15,000 on everything else, earning 0.2%₹30
- Back each month, ₹1,320 a year₹110
- In your pocket each year₹1,320
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 1.6% back
- Anyone who wants no annual fee, ever
Skip it if…
- 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
04Product Details
- Lifetime free, no joining or annual fee
- 4 savings points per ₹100 at department stores
- 2 savings points per ₹100 on consumer durables and electronics
- 1.5 savings points per ₹100 on restaurant bills and books
- 0.5 savings points per ₹100 on other spends
- Fuel surcharge waiver and zero lost-card liability
- 3.5% forex markup
05Pros and Cons
Pros
- No fees at all
- Bonus points at department stores
- Easy entry card with a low income requirement
Cons
- Base earn on other spends is very low
- 3.5% forex markup
- No lounge access listed
06How IndusInd Bank Platinum Aura Edge Credit Card earns Rewards
0.2% base, up to 1.6% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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
Point value. 1 point is worth about ₹0.4 at the bank's stated value.
07IndusInd Bank Platinum Aura Edge Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.2% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions of ₹500 to ₹3,000, capped at ₹100 per billing cycle
- Insurance cover: Total Protect fraud cover up to the credit limit, plus travel insurance with The Oriental Insurance Company Ltd under IndusInd's Travel Plus Program, lost baggage ₹1 lakh, passport ₹50,000, and delayed baggage, lost ticket or missed connection ₹25,000 each
08IndusInd Bank Platinum Aura Edge Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Dynamic Currency Conversion fee doubled to 2%Source: IndusInd Bank | 1% mark-up + taxes | 2% + GST |
| 15 Jun 2026 | Reduced: Fuel-fee threshold cut from ₹50,000 to ₹30,000/cycleSource: IndusInd Bank | 1% + GST above ₹50,000 per cycle | 1% + GST above ₹30,000 per cycle |
| 15 Jun 2026 | Reduced: New 1% surcharge on transport spends above ₹40,000/cycleSource: IndusInd Bank | No transport surcharge | 1% + GST above ₹40,000 per cycle |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 4 May 2025 | Reduced: New 1% fee on fuel spends above ₹50,000/cycleSource: IndusInd Bank | No bank fee on fuel spends | 1% + GST on cumulative fuel above ₹50,000 per statement cycle |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank Platinum Aura Edge Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Platinum Aura Edge Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.2% base, up to 1.6% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Platinum Aura Edge Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the Platinum Aura Edge card free?
Yes, it is lifetime free with no joining or annual fee.
Where does it earn the most?
At department stores, where you get 4 savings points per ₹100.
What is the joining fee for the IndusInd Bank Platinum Aura Edge Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Platinum Aura Edge Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
