IndusInd Bank Platinum Aura Edge Credit Card

IndusInd Bank Platinum Aura Edge Credit Card

Fee

Joining Fee: LTF
Annual Fee: LTF

Type

Rewards

Return

0.25% to 2%

Rating

3.3/5

Issued On

Visa, Mastercard

Benefits

Fuel Surcharge Waiver

Table of Contents

IndusInd Bank Platinum Aura Edge credit card is an entry-level Lifetime Free offering. Platinum Aura Edge is also an unique credit card as it offers flexible rewards plans. It does not offer the same reward rate for all spends. Instead, we can choose a rewards plan to get accelerated rewards as per our spends. Here is a review of the IndusInd Bank Platinum Aura Edge credit card and the rewards/benefits offered by it.

Fees and Charges

IndusInd Platinum Aura Edge credit card is now offered as Lifetime Free when we apply online. This means there is no joining or annual fees. But, it would have been good to have a nominal welcome benefit like Rs 250 cashback on spends etc.

LTF IndusInd Bank Credit Cards
Joining FeeZero – LTF
Welcome BenefitNone
Annual FeeZero – LTF
IndusInd Bank Platinum Aura Edge Credit Card: Fees and Charges

Rewards

Platinum Aura Edge card has four different reward plans. We need to choose the plan as per our spending patterns to get maximum rewards.

Platinum Aura Edge Shop Plan

Spend CategoryReward Points/Rs 100Return @50p per RP
Departmental Stores42%
Consumer Durables and Electronic Items21%
Restaurants and Books1.50.75%
Other Spends0.50.25%
Fuel SpendsNILNIL
IndusInd Bank Platinum Aura Edge Credit Card: Shop Plan

Platinum Aura Edge Home Plan

Spend CategoryReward Points/Rs 100Return @50p per RP
Grocery42%
Medical Spends1.50.75%
Utility Bills, Insurance, Govt. Services, Education1.40.7%
Other Spends0.50.25%
Fuel SpendsNILNIL
IndusInd Bank Platinum Aura Edge Credit Card: Home Plan

Platinum Aura Edge Travel Plan

Spend CategoryReward Points/Rs 100Return @50p per RP
Hotels42%
Airlines2.51.25%
Car Rental, Rail Tickets1.50.75%
Other Spends0.50.25%
Fuel SpendsNILNIL
IndusInd Bank Platinum Aura Edge Credit Card: Travel Plan

Platinum Aura Edge Party Plan

Spend CategoryReward Points/Rs 100Return @50p per RP
Restaurants42%
Departmental Stores, Bars, Pubs21%
Movie Tickets1.50.75%
Other Spends0.50.25%
IndusInd Bank Platinum Aura Edge Credit Card: Party Plan

Rewards Redemption

IndusInd Bank Platinum Aura Edge Credit Card Rewards Redemption

The accumulated reward points can be redeemed over at Indus Moments. There are multiple redemption options like product merchandise, gift vouchers and airmiles. But, the best option is to get a statement or cash credit. The value of each reward point is 50 paise in this case.

Other Key Benefits and Charges

  • Foreign Currency Markup: 3.5%+GST ~4.13%
  • Reward Redemption Fee: Rs 100+GST for gifts, statement credit and vouchers
  • Finance Charges: 2.99% per month or 36% per annum
  • Fuel Surcharge Waiver: 1% surcharge waiver for transactions between Rs 400 to Rs 4000.

Final Thoughts

IndusInd Platinum Aura Edge is your regular entry-level card. Its rewards were also in line with other cards in the same segment when it was launched.

LTF IDFC First Bank Credit Cards

But, things change fast in the credit card world. Axis Ace, Flipkart Axis, Amazon Pay ICICI are credit cards that upped the game in the entry-level segment. With 1% to 5% cashback, these are the best cards to start with for anyone looking for an entry-level card. If looking for cashback, the Platinum Aura Edge is not a better card than those.

But, we do have some reasons that for getting the IndusInd Platinum Aura Edge credit card. It is a LTF credit card that can be used for e-commerce sale offers on IndusInd Bank credit cards. You can also take the Platinum Aura Edge and keep the credit line to upgrade to another variant like Pinnacle or Legend.

Frequently Asked Questions

IndusInd Bank Platinum Aura Edge Credit Card

Card Maven

Fees & Charges
Rewards
Features and Benefits
3.3
Axis Bank My Zone Credit Card LTF
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