IndusInd Bank Platinum RuPay Credit Card 2025
Selecting the right card can be incredibly daunting task given the multitude of options. If you’re seeking a card that offers a blend of affordability, convenience, and rewarding benefits, the IndusInd Bank Platinum RuPay Credit Card might be the one for you
Features and Benefits of IndusInd Bank Platinum RuPay Credit Card
- Joining Fee and Renewal Fee: No joining or renewal fee
- Reward Program: Earn 2 Reward Points on every ₹100 spent through UPI transactions and 1 Reward Point for every ₹100 on non-UPI transactions. Additionally, earn ₹0.70 for every ₹100 spent on select merchant categories.
- Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharge at petrol pumps across India for transactions between ₹400 and ₹4,000.
- Personal Accident Insurance: Benefit from a complimentary personal accident insurance cover of up to ₹25 lakhs.
- Lost Card Protection: Get protection against unauthorized transactions for up to 48 hours before reporting the loss.
Travel Insurance
- Get Travel Insurance cover from The Oriental Insurance Company with coverage as follows,
- Lost Baggage – Rs. 100000
- Delayed Baggage – Rs. 25000
- Loss of Passport – Rs. 50000
- Lost ticket – Rs. 25000
- Missed Connection – Rs. 25000
Additional Benefits:
- 24/7 Customer Support: Access prompt assistance through IndusInd Bank’s dedicated customer care team.
- Mobile Banking App: Manage your account, track transactions, and make payments conveniently through the IndusInd Mobile App.
- Online Statement Access: View your credit card statements electronically for easy record-keeping.
Fees and Charges of IndusInd Bank Platinum RuPay Credit Card
- Joining Fee – Nil
- AnnualFee – Nil
- Interest rate – 3.95%
- Foreign Transaction fees – 1.8% + Applicable charges
- Cash Payment fee – Rs. 100
Late payment fee:
- Nil for amount less than Rs. 100
- Rs. 100 for amount between Rs. 101-500
- Rs. 350 for amount between Rs. 501-1000
- Rs.550 for amount between Rs. 1001 – 10000
- Rs. 800 for amount between Rs. 10001 – Rs. 25000
- Rs. 1100 for amount between Rs. 25001 – Rs. 50000
- Rs. 1300 for any amount greater than Rs. 5000
- Cash Advance Limit: 2.5% or INR 300 ( whichever is higher)
- Over Limit Penalty: 2.5% or INR 500 ( whichever is higher)
- Minimum Repayment Amount: 5% of the total amount due
How to link your IndusInd Platinum Rupay credit card with UPI?
To link your card with the UPI applications, follow the simple steps below:
- Launch any UPI on your phones such as BHIM, PhonePe, Paytm, or Google Pay.
- Search for option to add or link a new creditcard within the app’s payment settings
- When prompted choose IndusInd Bank from the list of providers
- Select your Platinum RuPay Credit Card
- Follow the instructions to create new UPI PIN for your credit card
- After linking, you can set the PIN using the below steps:
- Within the UPI app, navigate to the ‘Generate PIN’ section & select your IndusInd Platinum RuPay Credit Card.
- Enter the last six digits of your card and the expiry date to receive a OTP on your registered mobile number.
- Enter the received OTP and choose a new UPI PIN
Comparison of IndusInd Bank Platinum RuPay Credit Card vs other cards
| Feature/Benefit | Platinum RuPay Credit Card | IndusInd Legend Credit Card | IndusInd Iconia Credit Card | IndusInd Pinnacle Credit Card |
|---|---|---|---|---|
| Annual Fee | ₹0 (Lifetime Free) | ₹9,999 + GST | ₹3,499 + GST | ₹12,999 + GST |
| Rewards | 1 point per ₹100 spent | 1.5 points per ₹100 spent | 2 points per ₹100 spent | 2.5 points per ₹100 spent |
| Welcome Benefits | None | Gift voucher (Tata CLiQ, EazyDiner) | Gift voucher (Tata CLiQ, EazyDiner) | Gift voucher (Tata CLiQ, EazyDiner) |
| Fuel Surcharge Waiver | Yes (1% waiver) | Yes (1% waiver) | Yes (1% waiver) | Yes (1% waiver) |
| Dining Benefits | Discounts on partner restaurants | Yes | Yes | Yes |
| Airport Lounge Access | No | Yes (Domestic & International) | Yes (Domestic & International) | Yes (Domestic & International) |
| Travel Benefits | No | Yes (Travel insurance, concierge) | Yes (Travel insurance, concierge) | Yes (Travel insurance, concierge) |
| Golf Privileges | No | Yes (complimentary rounds) | Yes (complimentary rounds) | Yes (complimentary rounds) |
| Insurance Coverage | No | Yes (Travel and accidental insurance) | Yes (Travel and accidental insurance) | Yes (Travel and accidental insurance) |
| Foreign Exchange Markup | 3.5% | 1.8% | 1.8% | 1.8% |
| Ideal For | Entry-level cardholders, basic rewards | Frequent travelers, high spenders | Frequent travelers, reward maximizers | Premium lifestyle seekers |
Eligibility Criteria for IndusInd Platinum RuPay Credit Card
- Age: 18-65 years
- Monthly Income: Rs. 30,000 (salaried) or Rs. 6 Lakh annual income (self-employed)
- Credit Score: Minimum 700
How to Apply for IndusInd Bank Platinum RuPay Credit Card?
- Click on the apply button below the card
- Make sure you have all the documents in order and satisfy the eligibility criteria
- Complete the online application and attach necessary documents required
- Once, we receive the application, you will be provided an acknowledgement number
- Track the status of the application number online
FAQ on IndusInd Bank Platinum Rupay Credit Card
1. What are the rewards for UPI transactions with the IndusInd Platinum RuPay Card?
Earn 2 reward points for every Rs. 100 spent on UPI transactions with your IndusInd Platinum RuPay Card
2. How much reward points you can earn for Non-UPI transactions
Yes, will get 1 Reward Point for every ₹100 spent on non-UPI transactions
3. Do fuel transactions earn you reward points?
No, this card does not offer any reward points for fuel transactions
4. What is the complimentary insurance cover?
The card offers a personal accident insurance cover of up to ₹25 lakhs and lost card protection for up to 48 hours.
5. Can I use this card for international transactions?
Yes, this card is accepted at millions of merchants worldwide that accept RuPay cards.
