If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.

IndusInd Bank

IndusInd Bank Platinum Aura Edge

3.8Best for groceries

Lifetime freeVerifying

Joining fee incl. GST: Lifetime free
Renewal fee incl. GST: Lifetime free
Conditional welcome value: —
Forex markup: 3.5%
Interest p.a.: 47.4%
Min income (salaried): ₹25,000/mo

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Issuer benefit guide contradicts itself on cash point value and contains incorrect example totals. Plan eligibility, fee offer and category exclusions require issuer clarification.

Spend category	Reward rate	Reward limit
Groceries Only the qualifying merchants or payment route below Only one selected Aura Edge plan applies. Home Plan: 4 savings points per Rs.100 on grocery. Card uses chooseable 'Platinum Aura Edge' plans (Shop/Home/Travel/Party), each accelerating different categories; only one plan is active at a time. Point value is unresolved: the product page's plan tables say 1 savings point = Re 0.50, while IndusInd's Important Updates page puts the non-cash redemption rate at Rs.0.60 since 15 Dec 2024. Stored value Rs.0.40 is unverified and flagged. The January 2026 benefit guide itself conflicts between ₹0.40 and ₹0.50 cash redemption; ₹0.40 is a provisional comparison assumption.	1.6%	Unverified
Dining Only the qualifying merchants or payment route below Only one selected Aura Edge plan applies. Party Plan: 4 savings points per Rs.100 on restaurant bills, 2 on departmental stores and bars/pubs, 1.5 on movie tickets. Only one plan active at a time. Point value unresolved - see the groceries entry. The January 2026 benefit guide itself conflicts between ₹0.40 and ₹0.50 cash redemption; ₹0.40 is a provisional comparison assumption.	1.6%	Unverified
Travel Only the qualifying merchants or payment route below Only one selected Aura Edge plan applies. Travel Plan: 4 savings points per Rs.100 on hotels, 2.5 on airline tickets, 1.5 on car rental and rail tickets. Only one plan active at a time. Point value unresolved - see the groceries entry. The January 2026 benefit guide itself conflicts between ₹0.40 and ₹0.50 cash redemption; ₹0.40 is a provisional comparison assumption.	1.6%	Unverified
Other eligible purchases	0.2%	—

Excluded from ordinary earning: Fuel. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining feeLifetime free

Annual feeLifetime free

Foreign currency markup3.5%

Finance charge (p.a.)47.4%

Fuel surcharge waiver1%

Key benefits

Chooseable rewards plan matched to your top spend category (4 savings points per Rs.100 on that plan's headline category)
All other spends earn 0.5 savings points per Rs.100 on every plan
From 15 Jun 2026 IndusInd levies a 1% + GST fee on cumulative fuel spends above Rs.30,000 or Rs.50,000 a statement cycle, and on non-air transport spends above Rs.40,000, with the threshold set by card variant; it does not publish the figure for this card
Fuel transactions earn no reward points (effective 01 Apr 2018), though the 1% fuel surcharge waiver still applies
Cash redemption is capped at 2,500 reward points per calendar month (effective 01 Sep 2024)
Travel Plus cover: lost baggage up to Rs.1,00,000, delayed baggage Rs.25,000, loss of passport Rs.50,000, lost ticket Rs.25,000, missed connection Rs.25,000
Total Protect covers unauthorised and counterfeit transactions up to the card's credit limit
Contactless payments (Visa payWave / Mastercard PayPass)
Choice of Visa or Mastercard network at application
EMI conversion facility
Do not add Home, Party and Travel plan bonuses together. The bank permits a plan switch only under its waiting-period and reconfiguration-fee rules.

What we like

+Lifetime-free on the standard variant (no annual fee)
+Flexible: pick a rewards plan matched to your top spend category
+1% fuel surcharge waiver
+Choice of Visa or Mastercard network

What to watch

−Low base reward rate (0.5 savings points per Rs.100 on general spends)
−IndusInd does not publish a lounge allowance for this card
−No welcome bonus or milestone benefits per official guide
−Cash redemption capped at 2,500 points a calendar month, and Club Vistara and InterMiles redemption have both been withdrawn