IndusInd Bank Platinum RuPay Credit Card
IndusInd Bank Platinum RuPay Credit Card
2 reward points on every ₹100 transaction via UPI
Fuel surcharge waiver nationwide
Personalized Match by CredHunt • credhunt.com
First IndusInd Bank credit card on RuPay network with UPI transaction capability, designed as entry-level lifetime-free card with UPI rewards
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
2 reward points on every ₹100 transaction via UPI
Fuel surcharge waiver nationwide
Rewards Program
Base Rewards
Reward Type
Air India Points
Base Reward Rate
1% cashback on spending up to ₹10,000 in a statement
Point Value
0.70 airmiles per Reward Point
Points Expiry
6 months
Bonus Rewards
Welcome Offer
1,000 PAYBACK points upon payment of joining fee
Accelerated Rewards
Not applicable
Card Benefits
Travel Benefits
Unlimited complimentary access
Complimentary third-night stay at Oberoi Hotels and Resorts
Dining & Entertainment
Up to 15 RP/₹100 (3% return) on dining
Not specified
Lifestyle & Protection
Special offers at premium retail outlets
Comprehensive travel insurance cover of USD 1,200
Priority bookings
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | ₹999 + GST |
| Foreign Currency Markup | 0.015 |
| Cash Advance Fee | N/A |
| APR | 3.60% per month (43.20% per annum) |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% fuel surcharge waiver on all fuel purchases (no capping) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on spends of ₹8 lakh in the previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
For salaried: Latest salary slip and Form 16; For self-employed: Last 2 years' ITR, computation of income, and balance sheet
Expert Opinion
Good everyday spending card with moderate benefits and reasonable annual fee
Customer Reviews
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