Learn about IndusInd Bank Platinum Aura Edge Credit Card and its benefits such as reward points, travel plan, shopping benefits and more. Check your eligibility, fees and charges, and apply for the card now!
Overview
The Platinum Aura Edge credit card by IndusInd Bank is a premium credit card that provides top-notch benefits and offers in categories such as travel, lifestyle, dining and shopping. The card is rated 4.5/5.0 by 709 users and comes with a joining fee of Rs. 500.
Features of IndusInd Bank Platinum Aura Edge Credit Card:
- Concierge services
- Fuel benefits with 1% waiver on fuel surcharge
- Auto assist services (Roadside repair, emergency supply of fuel, flat tire service, battery service)
- Contactless card technology
Benefits:
- Access to over 600 VIP airport lounges with the complimentary Priority Pass program
- Travel insurance coverage (lost baggage, delayed baggage, loss of passport, lost ticket, missed connection)
- Access to travel plus program with travel insurance and lounge usage
- Annual savings with the enrolment fee of Rs.5,000 per annum
Eligiblity
To be eligible for the IndusInd Bank Platinum Aura Edge Credit Card, you must meet the following criteria:
- Age: The applicant must be at least 18 years old.
- Nationality: The applicant must be a citizen of India.
- Employment: The applicant must be either salaried or self-employed.
- Credit Score: A good credit score increases the chance of being eligible for the card.
Please note that these are general eligibility criteria and the bank may have additional criteria based on their internal policies.
Travel Benefits of IndusInd Bank Platinum Aura Edge Credit Card:
- Priority Pass Program: Access to over 600 VIP airport lounges across the world with the complimentary Priority Pass program.
- Travel Plus Program: The program includes travel insurance, lounge usage and an enrolment fee of Rs.5,000 per annum with maximum of 8 lounge visits per year of value $27.
Travel Insurance:
IndusInd Bank in association with ICICI Lombard General Insurance Company Limited offers the following insurance cover:
- Lost Baggage: Insurance cover of up to Rs.1,00,000.
- Delayed Baggage: Insurance cover of up to Rs.25,000.
- Loss of Passport: Insurance cover of up to Rs.50,000.
- Lost Ticket: Insurance cover of up to Rs.25,000.
- Missed Connection: Insurance cover of up to Rs.25,000.
Travel Plus Program offered by IndusInd Bank provides the following benefits for its Platinum Aura Edge credit cardholders:
- Travel insurance coverage for Lost baggage, Delayed baggage, Loss of passport, Lost ticket, and Missed connection, with coverage up to Rs.1,00,000, Rs.25,000, Rs.50,000, Rs.25,000, and Rs.25,000 respectively.
- Maximum of 8 complimentary lounge visits per year of value $27
- Enrolment fees of Rs.5,000 per annum
- Annual savings of approximately Rs.12,960
- Access to the Priority Pass Program with 600+ VIP airport lounges worldwide.
Reward points
The IndusInd Bank Platinum Aura Edge Credit Card offers various reward plans for different spend categories. The reward points can be earned based on the spend categories, which are as follows:
Platinum Aura Edge Shop Plan:
- Shopping in departmental stores: 4 savings points on Rs 100 spent
- Purchase of consumer durables or electronic items: 2 savings points on Rs 100 spent
- Restaurant bills: 1.5 savings points on Rs 100 spent
- Books: 1.5 savings points on Rs 100 spent
- All other spends: 0.5 savings points on Rs 100 spent
Platinum Aura Edge Home Plan:
- Grocery shopping: 4 savings points on Rs 100 spent
- Cellphone bills: 2.5 savings points on Rs 100 spent
- Electricity bills: 2.5 savings points on Rs 100 spent
- Insurance premium: 1.5 savings points on Rs 100 spent
- Medical spends: 1.5 savings points on Rs 100 spent
- All other spends: 0.5 savings points on Rs 100 spent
Platinum Aura Edge Travel Plan:
- Hotel expenses: 4 savings points on Rs 100 spent
- Airline tickets: 2.5 savings points on Rs 100 spent
- Car rental expenses: 1.5 savings points on Rs 100 spent
- Rail tickets: 1.5 savings points on Rs 100 spent
- All other spends: 0.5 savings points on Rs 100 spent
Platinum Aura Edge Party Plan:
- Restaurant bills: 4 savings points on Rs 100 spent
- Shopping in departmental stores: 2 savings points on Rs 100 spent
- Payments in bars and pubs: 2 savings points on Rs 100 spent
- Movie tickets: 1.5 savings points on Rs 100 spent
- All other spends: 0.5 savings points on Rs 100 spent
1 savings point is equivalent to Rs.0.50 or 0.5 airline mile.
Document required
Documents required to apply for IndusInd Bank Platinum Aura Edge Credit Card:
- Proof of Address: Ration Card, Voter ID, Aadhaar Card, Passport
- Identity Proof: Voter ID, Driving Licence, Aadhaar Card
- Income Proof: Salary Slip, Form 16, IT Returns.
Note: The required documents may vary based on the bank’s policies and individual circumstances.
Fees and Charges
IndusInd Bank Platinum Aura Edge Credit Card Fees and Charges:
Joining fee:
- Rs.500
Annual Fee:
- NIL
Add-on credit card fee:
- NIL
Finance charges:
- 3.83% monthly
- 46% per annum
Late payment fees:
- Outstanding balance up to Rs.100- Nil
- For Rs.101 to Rs.500 – Rs.100
- From Rs.501 to Rs.1,000- Rs.350
- From Rs.1,001 to Rs.10,000- Rs. 550
- From Rs.10,001 to Rs.25,000- Rs.800
- From Rs.25,001 to Rs.50,000- Rs.1,100
- Above Rs.50,000- Rs.1,300
Over limit charges:
- 2.5% of Over Limit Amount subject to a minimum of Rs.500
Returned cheque:
- Rs.250
Cash advance charges:
- 2.5% of the advance amount subject to a minimum of Rs.300 (waived off for PIONEER Heritage, PIONEER Legacy and Legend Credit Card)
Other charges:
- Balance Enquiry Charges on Non-IndusInd Bank ATMs – Rs.25
- Machine Surcharge at ATMs – Passed at applicable rates to customer
- Outstation Cheque Processing Fee – Please note that the outstation cheques only from IndusInd Bank locations can be accepted
- Foreign Currency Mark-up – 1.8%
- Cash Payment Fee at IndusInd Bank Branch – Rs.100
- Duplicate Statement Request – Rs.100
- Re-issue/Replacement – Rs.100
- Charge-slip Request – Rs.300
How to Apply?
To apply for the IndusInd Bank Platinum Aura Edge Credit Card, follow these steps:
- Visit the IndusInd Bank website or a comparison website like BankBazaar.
- Click on the link for credit cards.
- Select the Platinum Aura Edge card and check your eligibility by answering a few questions.
- If eligible, click on the “Instant Apply” button and fill out the application form.
- Submit the form and wait for a response from the bank.
FAQs
- What is the eligibility criteria for IndusInd Bank Platinum Aura Edge Credit Card? -> The applicant must be at least 18 years old, a citizen of India, and employed either as salaried or self-employed, with a good credit score.
- What documents are required for the IndusInd Bank Platinum Aura Edge Credit Card? -> Proof of address, identity proof, and income proof are required, such as ration card, voter ID, salary slip, Aadhaar Card, driving license, IT returns, and passport.
- What are the fees and charges associated with the IndusInd Bank Platinum Aura Edge Credit Card? -> The joining fee is Rs.500 and the annual fee is NIL. There are also finance charges of 3.83% monthly or 46% per annum, late payment fees, over limit charges, returned cheque fee, cash advance charges, balance enquiry charges on non-IndusInd Bank ATMs, outstation cheque processing fee, foreign currency mark-up, cash payment fee, and various other fees.
- What rewards do I get with the IndusInd Bank Platinum Aura Edge Credit Card? -> The card offers savings points on various spend categories, such as shopping in departmental stores, purchase of consumer durables or electronic items, restaurant bills, books, grocery shopping, cellphone bills, electricity bills, insurance premium, medical spends, hotel expenses, airline tickets, car rental expenses, rail tickets, and more.
- How do I apply for the IndusInd Bank Platinum Aura Edge Credit Card? -> You can apply for the IndusInd Bank Platinum Aura Edge Credit Card by visiting the bank’s official website, or visiting the nearest branch and filling out the necessary application form.