IndusInd Bank Platinum Credit Card

Welcome Benefits:

• Luxe Gift Card and vouchers of top brands, including The Postcard Hotel, Montblanc, Amazon, Flipkart, Apollo Pharmacy, Uber, Ola, Pantaloons, Bata, and more after the payment of joining fee. These benefits are offered only on the paid variant.

Fuel Benefits:

• 1% fuel surcharge waiver across all petrol pumps in India on transactions between Rs. 400 to Rs. 4,000.

Travel Insurance Coverage:

• Loss of passport: Rs. 50,000
• Lost ticket: Rs. 25,000
• Missed connection: Rs. 25,000
• Lost baggage: Rs. 1 Lakh
• Delayed baggage: Rs. 25,000
• Air accident cover: Up to Rs. 25 Lakh
• Total Protect plan for card loss/theft: Up to 100% of credit limit

Reward Points:

You can earn reward points every time you use your card, and redeem them as per the below details:

• 1.5 reward points for every Rs. 150 spent
• 1 RP = Re. 0.35 against cash credit
• 100 RP = 100 Air Miles/ CV Points
• Redemption against IndusMoments rewards catalogue and Pay with rewards

Note: No reward points will be offered on fuel transactions.

Also read: Best Rewards Credit Cards in India

IndusInd Platinum RuPay Credit Card Benefits

The IndusInd Platinum RuPay Credit Card is free for life and can be linked to your UPI account. You earn double rewards for every Rs. 100 you spend. These rewards can be used for various things like items from the rewards catalog, InterMiles, or cash credits, just like with the IndusInd Visa Platinum Credit Card. You can use this card for both online and offline purchases, and you'll still get rewards for UPI transactions. Plus, it comes with insurance and fuel benefits similar to the Visa version. Here are the main benefits of this card:

• You earn 2 reward points for every Rs. 100 spent through UPI transactions.
• For non-UPI transactions, you get 1 reward point for every Rs. 100 spent.
• Certain merchant categories offer 0.70 reward points for every Rs. 100 spent.
• Enjoy a 1% fuel surcharge waiver at all petrol pumps in India for transactions ranging from Rs. 400 to Rs. 4,000.
• Benefit from insurance coverage:
• Lost baggage: Up to Rs. 1 Lakh
• Delayed baggage: Up to Rs. 25,000
• Loss of passport: Up to Rs. 50,000
• Lost ticket: Up to Rs. 25,000
• Missed connection: Up to Rs. 25,000
• Personal air accident insurance: Up to Rs. 25 Lakh

*Applicable on transactions at Utility Bill Payments, Insurance Premium Payments, Education Institute Fees and Government Services.

How much you can save via IndusInd Bank Platinum Credit Card?

Let's break down how much you can save with the IndusInd Bank Platinum Credit Card using a simple example. Suppose you've spent Rs. 60,000 in a month, here's what it looks like:

Note: The redemption of reward points for the above transactions is done at a value of 1 RP = Re. 0.35 against cash credit.

Below mentioned are the fees and charges associated with this credit card:

The applicant must meet the below eligibility criteria to apply for this credit card:

The IndusInd Platinum Card extends benefits in the realms of dining, lifestyle, and shopping. It allows you to accrue reward points on all your purchases, which can be exchanged for air miles, cash credits, and various other choices. Furthermore, it offers savings on dining at upscale restaurants. However, this card may not be the best fit for individuals seeking exclusively high reward points. It is a premium credit card that provides a range of perks in entertainment, lifestyle, shopping, and insurance.

While this card doesn't offer an extensive range of benefits, it does provide standard features like a fuel surcharge waiver and insurance coverage, which are typical for entry-level credit cards. What sets this card apart is that it comes with no annual fee, allowing you to enjoy its advantages without any extra cost. In summary, this card is a suitable option if your primary objective is to accumulate reward points on your purchases and you prefer not to pay an annual fee.

Below mentioned is a comparison of a few similar credit cards:

When you apply for this credit card through MybankingTips, you can enjoy the benefit of no joining or annual fees. However, if you choose to apply for it through other channels, there is a joining fee of Rs. 3,000.

You have multiple options to apply for this credit card. You can visit the bank's official website, get in touch with a bank associate who will promptly assist you, or alternatively, you can apply for this credit card through MybankingTips.

To check your credit card application status, you can go to the bank’s website or use the phone banking facility.

Yes, this credit card provides a 1% fuel surcharge waiver for transactions ranging from Rs. 400 to Rs. 4,000 at all fuel stations across India.