Platinum Aura Edge is an entry-level credit card from IndusInd Bank. It is easy to get approved for this card and can be the stepping stone for a premium card like Legend in the future. Here is a review of the IndusInd Bank Platinum Aura Edge credit card and the rewards/benefits offered by it.
Joining/Annual Fee
IndusInd Bank offers credit cards at different joining fees for different customers. The same goes for the Platinum Aura Edge card.
More often than not, one can get the card for Lifetime Free (No joining/annual fee). The welcome benefit will also not be there in such cases.
| Joining Fee | Rs 500 plus GST / LTF |
| Welcome Benefit | EazyDiner Voucher / Vouchagram Vouchers |
| Annual Fee | Zero |
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 Category | Saving Points / Rs 100 | Return @50 paise / Point |
|---|---|---|
| Departmental Stores | 4 | 2% |
| Consumer Durables/Electronic Items | 2 | 1% |
| Restaurants / Books | 1.5 | 0.75% |
| Other Spends | 0.5 | 0.25% |
Platinum Aura Edge Home Plan
| Spend Category | Saving Points / Rs 100 | Return @50 paise / Point |
|---|---|---|
| Grocery | 4 | 2% |
| Medical Spends | 1.5 | 0.75% |
| Utility Bills / Insurance Premium / Government Services / Education Institute Fees | 1.4 | 0.7% |
| Other Spends | 0.5 | 0.25% |
Platinum Aura Edge Travel Plan
| Spend Category | Saving Points / Rs 100 | Return @50 paise / Point |
|---|---|---|
| Hotels | 4 | 2% |
| Airlines | 2.5 | 1.25% |
| Car Rentals / Rail Tickets | 1.5 | 0.75% |
| Other Spends | 0.5 | 0.25% |
Platinum Aura Edge Party Plan
| Spend Category | Saving Points / Rs 100 | Return @50 paise / Point |
|---|---|---|
| Restaurants | 4 | 2% |
| Departmental Stores / Bars / Pubs | 2 | 1% |
| Movie Tickets | 1.5 | 0.75% |
| Other Spends | 0.5 | 0.25% |
My View
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.
But, things change fast in the credit card world. Axis Ace / Flipkart Axis / Amazon Pay ICICI are 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.
The reasons for getting the Platinum Aura Edge can be:
- To take advantage of IndusInd Bank partner offers on e-commerce websites
- To upgrade later to a higher variant like Legend credit card
IndusInd Bank Platinum Aura Edge Credit Card