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INDUSIND BANK LTD
IndusInd Bank Platinum RuPay Credit Card
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Verified Catalog
Source: INDUSIND BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
First IndusInd Bank credit card on RuPay network with UPI transaction capability, designed as entry-level lifetime-free card with UPI rewards
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
2 reward points on every ₹100 transaction via UPI
Highlight 2
Fuel surcharge waiver nationwide
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹3,780
Air India Points value at ~₹0.7 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"Unlimited complimentary access"
Hotel Privileges
"Complimentary third-night stay at Oberoi Hotels and Resorts"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"For salaried: Latest salary slip and Form 16; For self-employed: Last 2 years' ITR, computation of income, and balance sheet"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Good everyday spending card with moderate benefits and reasonable annual fee"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Air India Points
- Base Rate: 1% cashback on spending up to ₹10,000 in a statement
- RP to Rupees: 0.70 airmiles per Reward Point
- Accelerated Rewards Program: Not applicable
Cons
- Welcome Offer: 1,000 PAYBACK points upon payment of joining fee
- Domestic Airport: Unlimited complimentary access
- International Airport: Unlimited lounge access until April 1, 2025
- thereafter based on quarterly spend
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