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.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IndusInd Bank Platinum Credit Card

The IndusInd Platinum Credit Card is a rewards card available on Visa and RuPay networks. You earn reward points on every purchase, which can be used for airline miles, cashback, or products and vouchers from the bank’s rewards catalogue.

Although it is promoted as a rewards and lifestyle card, it does not offer many benefits compared to other entry-level cards. The card gives a low reward rate of 0.40%, so you earn only a small number of points on your spends.

You can convert points to KrisFlyer Miles at a 4:1 ratio, but because of the low earning rate and limited airline options, the savings are not very high. The card also gives welcome vouchers from brands like Postcard Hotel and Montblanc, but these alone may not be enough to make this card worthwhile.

IndusInd Bank Platinum Credit Card Rewards Program

Rewards Program

Earn 1.5 reward points for every ₹150 spent.
Redeem points for cash credit at 1 RP = ₹0.40.
Redeem points for products or vouchers at 1 RP = ₹0.60 (except for airline miles).
Convert 400 reward points into 100 KrisFlyer Miles.
Use points for items from the IndusMoments rewards catalogue or Pay with Rewards option.

Other Features and Benefits

Welcome Benefits
Get Luxe gift cards and vouchers from top brands like The Postcard Hotel, Montblanc, Amazon, Flipkart, Apollo Pharmacy, Uber, Ola, Pantaloons, Bata, and more. These are available only on the paid variant of the card after paying the joining fee.

Travel Insurance Coverage

Lost baggage: ₹1,00,000
Delayed baggage: ₹25,000
Loss of passport: ₹50,000
Lost ticket: ₹25,000
Missed connection: ₹25,000
Air accident cover: Up to ₹25,00,000
Total Protect plan: Up to 100% of your credit limit for card loss or theft

Fuel Benefits

1% fuel surcharge waiver on all petrol pumps in India
Applicable on transactions between ₹500 and ₹3,000, capped at ₹100 per month

Fees and Charges

Fee Type

Amount

Joining Fee

Nil

Annual Fee

Nil

Finance Charges

3.95% p.m. (47.40% p.a.)

Late Payment Charges

For Statement Balance:	Amount
Up to Rs. 100	Nil
Rs. 101 to Rs. 500	Rs. 100
Rs. 501 to Rs. 1,000	Rs. 350
Rs. 1,001 to Rs. 10,000	Rs. 550
Rs. 10,001 to Rs. 25,000	Rs. 800
Rs. 25,001 to Rs. 50,000	Rs. 1,100
More than Rs. 50,000	Rs. 1,300

Things to Know Before you apply

Get this card if:

Lifetime free credit card with basic benefits
Earn reward points instead of cashback
Flexible redemption options: cash credit, air miles, or rewards catalogue
Extra rewards on UPI transactions (for RuPay variant)

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For IndusInd Bank Platinum Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

IndusInd Bank Platinum Credit Card Hilights

What do we like about this card?

Lifetime free credit card
Earn reward points on all transactions, including UPI spends (RuPay variant)
Redeem points for cashback, airline miles, or rewards catalogue items
Fuel surcharge waiver on petrol purchases
Welcome gift vouchers from top brands
Travel insurance coverage up to ₹25 lakh

Pros

Welcome gift vouchers and gift cards from top brands
Earned rewards can be converted to airline miles at a 1:1 ratio
Fuel surcharge waiver on all petrol pumps

Cons

Low reward rate of 0.40% on all spends
No travel benefits such as lounge access
No milestone or bonus rewards offered

IndusInd Bank Credit Card Contact Details

Contact Address: IndusInd Bank Ltd. 701, Solitaire Corporate Park, 167 Guru Hargovindji Marg, Andheri East, Mumbai – 400093, Maharashtra, India
Helpline: 1860 267 7777 (accessible from most Indian cities)
Simply SMS: SMS Indulge to 5676757 for details or callback requests

Frequently Asked Questions

Everything you need to know about this credit card

This is an entry-level card that gives reward points on spends, welcome vouchers from top brands, and a 1% fuel surcharge waiver on petrol transactions.

Yes. With the IndusInd Platinum RuPay Card, you earn 2 reward points per ₹100 on UPI spends and 1 reward point per ₹100 on non-UPI transactions.

No, reward points are not earned on fuel transactions. However, you get a 1% fuel surcharge waiver on spends between ₹500 and ₹3,000 at petrol pumps, capped at ₹100 per month.

It doesn’t provide exclusive travel perks, but you can redeem reward points for airline miles at 400 points = 100 KrisFlyer Miles, helping save on travel.

No, this card does not offer lounge access.

Yes, it’s a simple, lifetime free card suitable for beginners who want to earn rewards and manage basic credit benefits.

You can contact the bank directly or apply through platforms like Paisabazaar.com by filling out the online application form.