IndusInd Bank Platinum Aura Edge Credit Card
Card Intro
Welcome Benefits
Welcome Gift voucher from Vouchagram and Vouchagram Premium on paying joining fee.
Interest Free Period
20 to 50 Days
Payment Gateway
Visa/Mastercard
Card Fees
Joining Fee(once)
Rs. 500
Annual Fee(2nd year onwards once)
Nil
Add-on Card Fee
Nil
Annual Fee Waive off
Nil
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
The IndusInd Bank Platinum Aura Edge Visa and Mastercard Credit Card offers four different plans to choose from, each with up to 8X Reward Points.
Platinum Aura Edge Plans with Savings points on every Rs 100 spent
Platinum Aura Shop Plan
Departmental stores – 4 savings points
Consumer or Electronic items – 2 savings points
Restaurant – 1.5 savings points
Books – 1.5 savings points
All other spends – 0.5 savings points.
Platinum Aura Home Plan
Grocery shopping – 4 savings points
Cellphone, Electricity bills, Insurance premium – 1.4 savings points
Medical spends – 1.5 savings points
All other spends – 0.5 savings points.
Platinum Aura Travel Plan
Hotel expenses – 4 savings points
Airline tickets – 2.5 savings points
Car rental, Rail tickets – 1.5 savings points
All other spends – 0.5 savings points.
Platinum Aura Party Plan
Restaurant bills – 4 savings points
Departmental stores, Payments in bars and pubs – 2 savings points
Movie tickets – 1.5 savings points
All other spends – 0.5 savings points.
Milestone Benefits
Nil
Fuel Surcharge Waiver
1% for transactions between Rs. 400 to Rs. 4000.
Dining
Nil
Movie Benefits
Nil
Lifestyle Benefits
Nil
Travel Benefits:
Nil
Lounge Benefits
Nil
Hotel Benefits
Nil
Insurance Benefits
Complimentary personal Air Accident Insurance Cover of up to 25 lakhs.
Cover upto Rs. 25,000 for Loss of Travel tickets, Delay of Check-in baggage, Missed flight connection, upto Rs.50,000 for Loss of Passport and upto Rs. 1,00,000 Loss of Check-in baggage.
Insurance Cover benefit equal to credit limit reporting unauthorized transactions within 48 hours of loss/theft of the card
Concierge Benefits
Nil
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Rs.100
Cash Withdrawal Fees or Cash Advance Fees
2.5% (Min. Rs. 300) of the cash amount
Card Replacement Fees
Rs. 100
Charge slip Retrieval Fee
Rs. 300
Cheque Payment Fee
N/A
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
1% on International transaction
Duplicate Statement Fee
Rs.100 per statement (beyond last 3 months)
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 249
Finance Charges
3.95% per month (47.40% per annum)
Foreign Currency Transaction fee(Forex Charges)
3.5% of the transaction value
Late Payment charges
Nil if Total Payment Due Up to Rs. 100
Rs. 100 if total payment due is between Rs. 101 – Rs. 5,00
Rs. 350 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 550 if total payment due is between Rs. 1001 – Rs. 10,000
Rs. 800 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1100 if total payment due is between Rs. 25,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000
Outstation Cheque Fee
–
Over Limit Fees
2.5% of the over limit amount (Min Rs. 500)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
Rs.250
Payment of Customs duty
N/A
Priority Pass Lounge Charges
$27 per person per visit + taxes
Railway Tickets Surcharge
As prescribed by IRCTC / Indian Railways
Rental Transaction Fee
1% per transaction
Reward Points Redemption Fee
Rs. 100
Any Other Charges
Balance Enquiry Charges on Non IndusInd Bank ATMs – Rs. 25
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.