All cards / IndusInd Bank
IndusInd Platinum Aura Edge
An entry-level card with the flexibility to choose one of 4 reward plans at signup (Shop/Home/Travel/Party) — great for customizing your benefits.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.125%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping, travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.125% base rate
- International lounge access: Complimentary Priority Pass membership (usage charge waived up to US$35 per visit)
- Insurance benefits: Personal air accident cover up to ₹25 lakh
Benefits by category
- ✈️ Travel
Priority Pass lounge access (up to US$35/visit)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹4,000 transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400-₹4,000 at all fuel stations in India
Benefits
- Priority Pass lounge access (up to US$35/visit)
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions
Pros
- + Choose reward plan at signup
- + Priority Pass included
- + Lifetime annual fee-free after joining fee
Cons
- − Modest base reward rate (0.5 pts/₹100)
- − No cap on reward earning