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IndusInd Bank Platinum Visa Credit Card
IndusInd's baseline Visa lifestyle card, mainly differentiated by its accident/travel insurance cover and concierge access rather than reward rate — a modest all-rounder without a strong bonus category.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Insurance benefits: Personal air accident cover up to ₹25 lakh; travel insurance covering lost baggage (₹1 lakh) and lost ticket (₹25,000)
Benefits by category
- 🛡️ Insurance
Complimentary air accident cover up to ₹25 lakh; travel insurance including lost baggage (₹1 lakh) and lost ticket (₹25,000)
- ⛽ Fuel
1% fuel surcharge waiver at participating petrol pumps
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- 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 at participating fuel stations
Benefits
- 1% fuel surcharge waiver at participating petrol pumps
- Complimentary air accident cover up to ₹25 lakh; travel insurance including lost baggage (₹1 lakh) and lost ticket (₹25,000)
- 24/7 concierge services for travel and entertainment
Pros
- + ₹25 lakh complimentary air accident cover
- + 24/7 concierge access
- + Points redeemable as air miles or bill credit
Cons
- − Flat, unremarkable base reward rate with no bonus categories
- − No lounge access