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IndusInd Bank
IndusInd Bank Platinum Aura Edge
3.8Best for groceries
Lifetime free
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Welcome bonus
- —
- Forex markup
- 3.5%
- Interest p.a.
- 47.4%
- Min income
- ₹25,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Groceries Home Plan: 4 RP/Rs.100 on grocery; 1 RP = Rs.0.40. Card uses chooseable 'Platinum Savings Plans' (Shop/Home/Travel/Party), each accelerating different categories | 1.6% | — | ₹1,920 |
Dining Party Plan: 4 RP/Rs.100 on restaurant bills; 1 RP = Rs.0.40. Only one plan active at a time | 1.6% | — | ₹1,920 |
Travel Travel Plan: 4 RP/Rs.100 on hotels, 2.5 on airlines; 1 RP = Rs.0.40. Only one plan active at a time | 1.6% | — | ₹1,920 |
| All other spends | 0.2% | — | ₹240 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
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 top spend category (4 RP/Rs.100 ~1.6%)
- 1% fuel surcharge waiver (Rs.500-3,000 txns)
- Contactless payments (Visa payWave / Mastercard PayPass)
- Choice of Visa or Mastercard network at application
- EMI conversion facility
What we like
- +Lifetime-free on the standard variant (no annual fee)
- +Flexible: pick a rewards plan matched to your top spend category (~1.6%)
- +1% fuel surcharge waiver
- +Choice of Visa or Mastercard network
What to watch
- −Very low base reward rate (0.5 pts/Rs.100 = 0.20% on general spends)
- −No lounge access (domestic or international)
- −No welcome bonus or milestone benefits per official guide
- −High 3.5% forex markup; redemption capped and fee'd
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
- Top reward
- 1.875%
- Annual fee
- ₹66,000
- Welcome bonus
- ₹35,000 value
- Top reward
- 3%
- Annual fee
- ₹50,000
- Welcome bonus
- ₹3,000 value