Our Money Guide

IndusInd Platinum Rupay Credit Card

Pros and 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 IndusInd Bank Platinum RuPay Credit Card 

0.7% cashback on UPI spends

You get 2 rewards points worth ₹0.70 (70 paise), on every ₹100 of UPI spends.

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.

0.35% cashback on all other spends

You get 1 rewards points worth ₹0.35 (35 paise), 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 

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

IndusInd Bank Platinum RuPay Credit Card Fees & 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

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.

How do I apply for the IndusInd Bank Platinum RuPay Credit Card ?

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.
Apply Now



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