The IndusInd Platinum Aura Edge Credit Card is a lifetime free card with a twist: you choose which kind of spending earns more. Pick one of four plans, Shop, Home, Travel or Party, and earn up to 4X Saving Points where it matters to you. It also comes with travel and air accident insurance and a long list of partner discounts.
How the reward plans work
| Plan | Suited to |
|---|---|
| Platinum Aura Shop Plan | For people who spend most on shopping |
| Platinum Aura Home Plan | For household and everyday spending |
| Platinum Aura Travel Plan | For people who travel often |
| Platinum Aura Party Plan | For dining out and entertainment |
Good to know: the offer promises up to 4X Saving Points but does not list point values or exactly which merchants each plan covers. Check the current plan details on IndusInd Bank’s site before choosing, so you know what each point is worth.
Getting value from it
Because the card has no fee, any reward you earn is a net gain. Its flexibility is the main draw: if most of your spending is groceries and bills, the Home plan makes sense; if you travel often, the Travel plan does. Review your choice once a year, as spending habits change. For a guaranteed, easy-to-track return, a plain cashback card may still be simpler.
Insurance and other benefits
- Air accident cover: complimentary personal air accident insurance of up to ₹25 lakh.
- Travel insurance: complimentary ICICI Lombard cover under the Travel Plus programme.
- Fuel surcharge waiver: 1% at all petrol pumps across India.
- Brand offers: discounts on Ajio, PVR, Lifestyle, EaseMyTrip, EazyDiner and more.
Partner discounts
- boAt: flat 10% off sitewide.
- BigBasket: 10% instant discount up to ₹250 on orders of ₹2,000+.
- PVR: ₹100 off food and beverage orders above ₹350.
- Lifestyle: an extra 15% off on orders above ₹1,999.
- Others: offers on Swiggy, Titan, Reliance and more through IndusInd’s offers portal.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free, for life |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹20,000 a month |
| Income (self-employed) | ₹25,000 a month |
| Credit score | 650 or above |
| First credit card? | Allowed |
| Repayment record | No delayed payments in the last 12 months |
Note: IndusInd Bank decides which card to offer based on your profile, so you may be shown a different card from the one you came for. An existing card with a limit above ₹50,000, or a running home or auto loan, improves your chances.
Documents you will need
- Identity: PAN card (or Form 60) plus a photo ID
- Address: a valid address proof such as Aadhaar
- Income: salary slips, bank statements or ITR
How to apply
- Tap Apply on IndusInd Bank site on this page to open IndusInd Bank’s application.
- Enter your details and complete the verification process, including OTP and KYC checks.
- IndusInd Bank then shows the cards you are eligible for. Choose the Platinum Aura Edge if it is offered to you.
- Submit the application and activate the card once it arrives.
Who should get it, and who shouldn’t
Get it if you want a free card, are new to credit or have a modest score, and like the idea of steering rewards towards your main spending category.
Skip it if you want a clear, published reward rate. Without stated point values, it is hard to compare with cashback cards that tell you exactly what you get.
