By: OurMoneyGuide || Last updated on: April 17, 2024

IndusInd Bank Platinum RuPay Credit Card is a credit card on the RuPay platform, and hence can be used to make UPI payments also. It is a lifetime free credit card.

Pros & Cons of IndusInd Bank Platinum RuPay Credit Card

Pros

  • Lifetime free card, enabled for UPI payments

Cons

  • Low reward rate on card spends

Features & Benefits of the IndusInd Bank Platinum RuPay Credit Card

 On UPI spends – 0.7% cashback, OR 2% reward (in terms of Club Vistara Points/InterMiles)

✔︎ On all other card spends – 0.35% cashback, OR 1% reward (in terms of Club Vistara Points/InterMiles)

You get 2 rewards points (worth ₹0.70 as cashback, OR 2 Club Vistara Points/2 InterMiles), on every ₹100 of UPI spends.

You get 1 rewards points (worth ₹0.35 as cashback, OR 1 Club Vistara Point/1 InterMile), on every ₹100 you spend on all other spends (non-UPI).

1 rewards point = ₹0.35, and can be redeemed as cashback into your credit card statement. You can also transfer reward points to Club Vistara and Intermiles, 1 reward point = 1 Club Vistara Point/ 1 InterMile.

Exceptions :
– You get 0.70 reward points worth ₹0.24 (24 paise), on the following spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.
– No reward points are given on fuel purchases

Fuel surcharge waiver, upto ₹480 per year 

You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only, at all fuel pumps.

This surcharge waiver is valid only on fuel purchases upto ₹4000 per month, since the waiver amount is restricted to ₹40 per month.

Complimentary insurance benefits

You get a complimentary air accident insurance of ₹25 lakhs. 

You get a complimentary ‘Total Protect’ cover. This covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card. You need to report loss of card to the bank within 48 hours of losing your card. 

You also get complimentary travel insurance covers-
– Lost baggage cover of ₹1 lakh
– Delayed baggage cover of ₹25000
– Loss of passport cover of ₹50000
– Lost ticket cover of ₹25000
– Missed connection cover of ₹25000

How to link your Platinum RuPay Credit Card on UPI?

Step 1: Open your UPI app (BHIM, PhonePe, Paytm, Google Pay)*
Step 2: Select the option “Add Credit Card/Link Credit Card”
Step 3: Select Credit Card Issuer Bank (IndusInd Bank)
Step 4: Select your IndusInd Bank Platinum RuPay Credit Card
Step 5: Proceed to generate UPI PIN
*(Download the UPI app from Playstore/App Store if you are not registered on any UPI app yet, verify your mobile no. and continue from Step 2 as shared above)

Set UPI Pin
Step 1: Select Generate PIN option > Select Platinum RuPay Credit Card
Step 2: Enter Platinum RuPay Credit Card Details:
– Last 6 digits
– Expiry Date
(OTP will be triggered on your registered mobile number)
Step 3: Enter OTP and Set PIN of your choice

Making UPI Payments with your Platinum RuPay Credit Card
– Scan Merchant QR Code or enter Merchant UPI ID
– Enter Amount to be paid or pay auto-fetched amount
– Select Platinum Rupay Credit Card from the list of payment options
– Enter UPI PIN of your Credit Card & Click Confirm
(Transaction status can be seen in Transaction History of your UPI App)

24/7 IndusInd customer support 

You can reach IndusInd Bank 24 hours a day, please click here for all the options to contact the bank. 

It is recommended to call the bank from your registered mobile number, this will ensure you are instantly connected to a phone banking officer.

IndusInd Bank Platinum RuPay Credit Card Fees and Charges

Annual fee


Annual feeAnnual fee offers
1st year joining fee₹0
Renewal fee from 2nd year onwards₹0

Interest rate – 3.95% per month

To view all fees and charges, please click here – IndusInd Credit Cards Fees & Charges

Eligibility criteria

Minimum age21 years
Maximum age65 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified
Credit scoreNot specified, preferably above 750

Eligibility Criteria

Minimum age21 years
Maximum age65 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified
Credit scoreNot specified, preferably above 750

Documents required

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.

Application Process

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IndusInd Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.