IndusInd Bank Platinum Aura Edge Government Sector Credit Card
Card Intro
Welcome Benefits
Credit Card for the government sector employees with low EMI charges.
Interest Free Period
20 to 50 Days
Payment Gateway
Visa/Mastercard
Card Fees
Joining Fee(once)
Rs. 499
Annual Fee(2nd year onwards once)
Rs. 299
Add-on Card Fee
Nil
Annual Fee Waive off
Nil
Card Features, Rewards and Benefits
Cashback
1% cashback on all spends up to ₹ 10,000 in a statement cycle (Max Rs.100 per statement).
Rewards
Nil
Milestone Benefits
Nil
Fuel Surcharge Waiver
1% for transactions between Rs. 400 to Rs. 4000.
Dining
–
Movie Benefits
BookMyShow: 1 assured Ticket of Rs.200 every 6 months.
Lifestyle Benefits
Nil
Travel Benefits:
Nil
Lounge Benefits
–
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
Waived
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
EMI at 1.1% rate of interest per month or 13.2% (annual) with NIL processing fees.
Finance Charges
2.99% per month (36% 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
1% waiver on railway surcharge for booking upto ₹ 5,000/- per quarter.
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.