IndusInd Bank
IndusInd Platinum Aura Edge Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹1000 Rewards
Top Benefits
Earn 4 Reward Points Per ₹100 on Your Top Spending Category
choose from 4 reward plans — Shop, Home, Travel or Party — to maximize earnings on what you spend most on
Earn 4 Reward Points per ₹100 on Hotel Expenses
via Travel Plan plus 2.5 points on airline tickets and 1.5 points on car rental & rail tickets
Best For
Shopping
Dining
Travel
Utility Bills
The IndusInd Platinum Aura Edge Credit Card is one of the most flexible reward credit cards in the In...
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The IndusInd Platinum Aura Edge Credit Card is one of the most flexible reward credit cards in the In...
The IndusInd Platinum Aura Edge Credit Card is one of the most flexible reward credit cards in the Indian market, built around a customisable plan system that lets you pick the category where you spend the most. Issued by IseusInd Bank on the Visa or Mastercard network, this lifetime free credit card carries a ₹0 joining fee and a ₹0 annual fee, which puts it in a rare league of premium-feel cards that never charge you for keeping them.
What sets the Aura Edge apart from most reward cards is the choice of four reward plans: Shop, Home, Travel, or Party. You pick one plan based on your dominant spending pattern, and the card then accelerates your earn rate up to 4 savings points per ₹100 spent in that category, which translates to a 2% effective return when you redeem at ₹0.50 per point. So a Travel Plan user earns 4 points per ₹100 on hotels and 2.5 points per ₹100 on airlines, while a Party Plan user earns up to 4 points per ₹100 on restaurants. This personalisation is unusual in the entry-to-mid premium segment.
The card requires a minimum annual income of ₹3 LPA for salaried applicants and ₹4 LPA for self-employed individuals, with a CIBIL score of 725 or above. Age limits are 21 to 60 years. These criteria make the card accessible to first-time premium cardholders, including young professionals starting out in metros and tier-2 cities. Reward points never expire as long as the card is active, which gives you full flexibility to accumulate them for a larger redemption rather than rushing to use them.
Redemption is straightforward through the IndusMoments portal where you can convert points to cash credit (₹0.50 per point), airline miles (0.5 miles per point), vouchers, and merchandise. The card also includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, personal air accident insurance up to ₹25 lakh, and international travel insurance covering baggage and missed connections up to ₹1 lakh. For a card with no annual fee, the protection layer is genuinely useful.
View FAQ
Commonly Asked Questions
Q. Is the IndusInd Platinum Aura Edge Credit Card lifetime free?
A. Yes, the card carries a ₹0 joining fee and a ₹0 annual fee for the entire lifetime of the card. There are no renewal charges as long as the card remains active and in good standing.
Q. What is the customisable reward plan feature on this card?
A. You can choose from four reward plans (Shop, Home, Travel, or Party) and earn up to 4 savings points per ₹100 in your selected category. This lets you align the card's reward structure to your actual spending habits.
Q. What is the redemption value of one reward point?
A. Each savings point is worth ₹0.50 when redeemed as cash credit or can be converted to 0.5 airline miles via the IndusMoments portal. Points do not expire as long as the card is active.
Expert Review
After reviewing the IndusInd Platinum Aura Edge across reward structure, fees, eligibility, and fit with Indian spending patterns, our verdict is that this is one of the most flexible lifetime free reward cards in the market. The customisable plan system is genuinely unique and lets you tune the card to your dominant spending category without paying anything for the privilege.
The 4 savings points per ₹100 peak earn rate (2% effective return at ₹0.50 per point) is competitive for a no-fee card. The fact that you can choose from four plans (Shop, Home, Travel, Party) means the card adapts to a wide range of spending profiles, from young professionals with high dining bills to nuclear families running grocery and utility-heavy budgets.
The card is not without limitations. There is no airport lounge access on the standard variant, which is a meaningful gap if you travel frequently. The 3.5% forex markup is not competitive for international spenders compared to forex-friendly cards like the IDFC FIRST Wealth (1.99%) or Axis Atlas (3.5% with travel rewards). The reward catalogue beyond cash credit also has variable value, with vouchers and merchandise sometimes redeeming at less than ₹0.50 per point.
Our recommendation: get this card as a primary card if you are a first-time premium cardholder earning ₹3 to ₹8 LPA, or as a secondary card alongside a premium primary if you want category-specific accelerated earning without paying multiple annual fees. The zero fee and no-expiry reward points make this an easy keep-forever card.
For someone whose monthly spending is around ₹30,000 to ₹50,000 mostly in one dominant category, the Aura Edge can deliver ₹3,000 to ₹6,000 in annual reward value at zero cost, which is meaningful for the lifetime free segment. The card is best paired with the Travel Plan if you travel for work, or the Home Plan if you run a household budget.
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
The IndusInd Platinum Aura Edge is a true lifetime free credit card. The joining fee is ₹0 and the an...
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The IndusInd Platinum Aura Edge is a true lifetime free credit card. The joining fee is ₹0 and the an...
The IndusInd Platinum Aura Edge is a true lifetime free credit card. The joining fee is ₹0 and the annual fee is ₹0, and these stay at zero forever. There is no spend threshold to keep the card active, no renewal fee, and no hidden annual charges.
This is significant when you compare to similar reward cards in the market. The Axis ACE charges ₹499 plus GST as annual fee with a waiver on ₹2 lakh spend. The HDFC Millennia charges ₹1,000 annual with a waiver on ₹1 lakh spend. The Aura Edge gives you a similar earn structure (up to 2% in your chosen category) without any of these conditions.
Because there is no annual fee, every reward point you earn becomes pure surplus value. There is no break-even spend that you need to hit to justify keeping the card. This makes the Aura Edge especially useful as a secondary card you keep for specific category spending without worrying about ROI.
The only charges you would incur on this card are the standard usage-based fees: late payment charges, cash advance fees, forex markup, and reward redemption handling charges. These are all detailed in the Bank Fee Structure section below.
View FAQ
Commonly Asked Questions
Q. Is the joining fee really ₹0 with no conditions?
A. Yes, the joining fee is ₹0 with no conditions attached. You are not charged anything at the time of card issuance.
Q. Is there an annual or renewal fee?
A. No, the annual fee is ₹0 and stays at zero every year. There are no renewal charges, regardless of your spending pattern.
Q. Is there a minimum spend to keep the card free?
A. No, there is no minimum spend requirement. The card remains lifetime free regardless of your usage levels.
Q. Does GST apply on the joining or annual fee?
A. Since both joining and annual fees are ₹0, no GST is charged. GST applies only to usage-based fees like late payment or cash advance charges.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
725+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
The IndusInd Platinum Aura Edge has accessible eligibility criteria designed to bring new credit user...
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The IndusInd Platinum Aura Edge has accessible eligibility criteria designed to bring new credit user...
The IndusInd Platinum Aura Edge has accessible eligibility criteria designed to bring new credit users into the IndusInd ecosystem. Applicants must be between 21 and 60 years of age at the time of application, applicable to both salaried and self-employed individuals.
The minimum annual income requirement is ₹3 LPA for salaried applicants (about ₹25,000 per month) and ₹4 LPA for self-employed individuals (about ₹35,000 per month). For self-employed applicants, this income needs to be supported by ITR filings of the last two years and ideally consistent business bank statements.
A CIBIL score of 725 or above is required. The bank also reviews your overall credit utilisation, payment history on existing loans, and any recent credit inquiries. Applicants with multiple recent applications, settled accounts, or late payments may face rejection even if income criteria are met.
You must be a resident Indian citizen with a valid PAN, Aadhaar, and address proof. The card is available in major Indian cities and most tier-2 cities where IndusInd Bank operates branches.
View FAQ
Commonly Asked Questions
Q. What is the minimum age to apply for this card?
A. The minimum age is 21 years and the maximum age at application is 60 years, applicable to both salaried and self-employed individuals.
Q. What is the income requirement for salaried applicants?
A. Salaried applicants need a minimum annual income of ₹3 LPA, which works out to roughly ₹25,000 per month, supported by salary slips and bank statements.
Q. What is the income requirement for self-employed applicants?
A. Self-employed applicants need a minimum annual income of ₹4 LPA, validated through the last two ITR filings and business bank statements.
Q. What CIBIL score is required for approval?
A. A CIBIL score of 725 or above is required. The bank also looks at your overall credit behaviour, including payment history and existing credit obligations.
All Card Benefits
- Choose from 4 customizable reward plans: Shop, Home, Travel, or Party, to earn 4 savings points per ₹100 (effective 2%) on the category you spend most on
- Travel Plan earns 4 points/₹100 on hotels and 2.5 on airlines, ideal for frequent travellers looking to maximize savings points convertible to airline miles
- Points never expire as long as the card is active and can be redeemed as cash credit (₹0.50/point) or converted to airline miles (0.5 miles/point).
The Aura Edge stacks its benefits around the four reward plans, with each plan tuned to a distinct sp...
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The Aura Edge stacks its benefits around the four reward plans, with each plan tuned to a distinct sp...
The Aura Edge stacks its benefits around the four reward plans, with each plan tuned to a distinct spending profile. Under the Shop Plan, you earn 4 savings points per ₹100 on apparel and departmental store spends, 2.5 points on online shopping, and 1.5 points on dining. The Home Plan offers 4 points on grocery and utility spends, ideal for nuclear families running tight monthly budgets.
The Travel Plan is the most attractive for frequent flyers. You earn 4 savings points per ₹100 on hotel bookings, 2.5 points per ₹100 on airlines, 1.5 points on car rentals and railway tickets, and 0.5 points on all other spends within the travel plan. So if you spend ₹50,000 on hotels in a year, you earn 2,000 points worth ₹1,000 in cash credit or 1,000 airline miles when transferred. Under the Party Plan, you earn up to 4 points on restaurant bills, 1.5 points on movie tickets, and the same baseline on shopping.
Beyond the plan-based rewards, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all petrol pumps in India. The card also offers personal air accident insurance up to ₹25 lakh, lost card liability cover for 48 hours prior to reporting loss, counterfeit fraud protection under Total Protect, and international travel insurance covering baggage delay, passport loss, ticket loss, and missed connections up to ₹1 lakh.
The card also gives you access to Visa or Mastercard network offers across travel, dining, and entertainment partners. For Visa Platinum cardholders, this includes discounts at premium restaurants, hotel partners, and select retail merchants. The card supports contactless payments for transactions under ₹5,000 and is compatible with Apple Pay, Google Pay (for non-UPI), and Samsung Pay where applicable.
View FAQ
Commonly Asked Questions
Q. How do the four reward plans work?
A. You select one of four plans (Shop, Home, Travel, or Party) based on your dominant spending. Your card then earns accelerated points in that category up to 4 savings points per ₹100, while other categories earn at base rates.
Q. What is the maximum reward rate I can earn on this card?
A. The peak reward rate is 4 savings points per ₹100 spent in your chosen plan's primary category, which works out to a 2% effective return when redeemed as cash credit at ₹0.50 per point.
Q. Can I change my reward plan after activation?
A. Plan changes are typically allowed once in a 12-month period through the IndusInd Mobile Banking app or by contacting customer care. Refer to the welcome kit for the exact rules applicable to your card.
Q. Do reward points on this card expire?
A. No, reward points do not expire as long as the card remains active. This gives you full flexibility to accumulate points for larger redemptions over time.
Q. What insurance benefits does this card offer?
A. The card includes personal air accident insurance up to ₹25 lakh, lost card liability for 48 hours prior to reporting, counterfeit fraud protection, and international travel insurance with cover up to ₹1 lakh for baggage and missed connections.
Q. Is there a fuel surcharge waiver on this card?
A. Yes, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all petrol pumps across India.
Q. Does this card offer airport lounge access?
A. The standard variant does not include complimentary airport lounge access. For lounge benefits, IndusInd offers higher-tier cards such as the IndusInd Legend or IndusInd Signature.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.40
Redemption Options
- Cash Credit (Statement Credit)
- IndusMoments Portal (Vouchers & Merchandise)
- Pay with Rewards
- Airline Miles
To check redemption catalogue
Reward redemption on the IndusInd Platinum Aura Edge is done through the IndusMoments portal at indus...
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Reward redemption on the IndusInd Platinum Aura Edge is done through the IndusMoments portal at indus...
Reward redemption on the IndusInd Platinum Aura Edge is done through the IndusMoments portal at indusmoments.com or via the IndusInd Mobile Banking app. The standard redemption value is ₹0.50 per savings point when redeemed as cash credit, which is among the better rates in the lifetime free segment.
To redeem, log in to IndusMoments, browse the available options (cash credit, airline miles, vouchers, merchandise), select your choice, and confirm. Cash credit redemptions reflect in your next statement within 3 to 5 working days. Airline miles transferred to partner programmes typically take 7 to 10 working days to credit.
Vouchers and merchandise from the IndusMoments catalogue are valued at varying rates depending on the partner. Cash credit at ₹0.50 per point is usually the highest value option. Airline mile conversion happens at 0.5 miles per point, so 1,000 IndusMoments points become 500 airline miles.
There is no reward redemption fee on the Aura Edge for cash credit redemptions, which is unusual for premium-feel cards. This means every rupee of reward value you earn is yours to keep without deductions. Vouchers and merchandise may have nominal handling charges, so check the listing before confirming.
Points do not expire as long as the card is active, giving you flexibility to accumulate for larger redemptions. There is no monthly redemption cap, so you can redeem your full balance whenever you choose.
View FAQ
Commonly Asked Questions
Q. What is the value of one savings point?
A. Each savings point is worth ₹0.50 when redeemed as cash credit through the IndusMoments portal. Airline mile conversion happens at 0.5 miles per point.
Q. Is there a fee for redeeming reward points?
A. No, there is no redemption fee for cash credit redemptions. Vouchers and merchandise may have small handling charges depending on the partner.
Q. How long do reward points stay valid?
A. Reward points do not expire as long as the card remains active. This gives you flexibility to accumulate points over multiple years for larger redemptions.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IndusInd Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IndusInd Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Cash Advances
ATM Cash Withdrawals
EMI Spends
Bank Charges & Fees
Late Payment Fees
Processing Fees
Financial Charges
Interest Charges
Payment Returned Charges
Service/Interest Charges
Transaction Charges
Fuel Spends
Utility Bill Payments
Taxes
Insurance Payments
Rent Payment
For Spends Waiver
Cash Advances
ATM Cash Withdrawals
EMI Spends
Bank Charges & Fees
Late Payment Fees
Processing Fees
Financial Charges
Interest Charges
Payment Returned Charges
Service/Interest Charges
Transaction Charges
Fuel Spends
Utility Bill Payments
Taxes
Insurance Payments
Rent Payment
Like every reward card, the Aura Edge has spending categories where points are not earned. These excl...
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Like every reward card, the Aura Edge has spending categories where points are not earned. These excl...
Like every reward card, the Aura Edge has spending categories where points are not earned. These exclusions are designed to prevent gaming and keep the rewards programme sustainable.
Cash advances and ATM withdrawals do not earn rewards. EMI conversions, whether pre-purchase or post-purchase, are also excluded. Bank charges, fees, late payment penalties, processing fees, financial charges, interest charges, payment returned charges, and service charges do not earn any rewards either.
Fuel spends are excluded from rewards (you only get the 1% surcharge waiver, not points). Utility bill payments, taxes, insurance premium payments, and rent payments through fintech apps also do not earn rewards. So if your monthly spend includes ₹15,000 in rent paid via fintech app, you would not earn anything on that transaction, plus you would pay a 1% processing charge.
The bank reserves the right to exclude any merchant or MCC if it suspects gaming behaviour. Always refer to the latest MITC document for the full exclusion list.
View FAQ
Commonly Asked Questions
Q. Do I earn rewards on utility bill payments?
A. No, utility bill payments are excluded from earning savings points on this card. Some other cards offer rewards on utilities, so this is a category-specific limitation.
Q. Are rent payments rewarded?
A. No, rent payments are excluded from rewards and additionally attract a 1% processing charge when paid through fintech apps.
Q. Do fuel transactions earn savings points?
A. No, fuel spends are excluded from earning reward points. However, you do get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.95% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases. | 3.95% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500. | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹100 plus applicable GST is charged per redemption request. | ₹100 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal. | 2% |
Cash Payment Fees A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹350 |
| ₹1001 - ₹10000 | ₹550 |
| ₹10001 - ₹25000 | ₹800 |
| ₹25001 - ₹50000 | ₹1100 |
| ₹50001 - and above | ₹1300 |
Here is a complete breakdown of all the charges associated with the IndusInd Platinum Aura Edge Credi...
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Here is a complete breakdown of all the charges associated with the IndusInd Platinum Aura Edge Credi...
Here is a complete breakdown of all the charges associated with the IndusInd Platinum Aura Edge Credit Card. Understanding these helps you avoid unnecessary costs and use the card efficiently.
Joining and annual fees are ₹0 for the lifetime of the card. There is no first-year fee and no renewal fee, regardless of your spending pattern. This is a hard saving of ₹500 to ₹1,500 per year compared to most reward cards.
Fuel surcharge waiver is 1% on transactions between ₹400 and ₹4,000, applicable at all petrol pumps across India. So if you fill ₹3,000 of petrol, you save 1% (₹30) in surcharge fees, capped at a monthly maximum as per the bank's terms.
Forex markup is 3.5% on all international transactions. If you spend USD 100 (about ₹8,300), you would pay an additional ₹290 as forex markup. This is the same rate as most entry-level Indian credit cards.
Annual percentage rate (APR) on revolving balances is 3.6% per month, which translates to 43.2% per annum. So if you carry forward ₹10,000 of unpaid dues, you would be charged ₹360 in interest in the next billing cycle. Always pay your full statement balance to avoid this.
ATM cash advance fee is 2.5% of the withdrawn amount, with a minimum of ₹500. Withdrawing ₹5,000 would cost you ₹500 as fee, plus interest from the day of withdrawal at 3.6% per month.
Reward redemption fee is not applicable on this card for cash credit redemptions. You can redeem points without any deduction, which is unusual for premium cards and adds real value over time.
Railway surcharge is levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. There is no flat percentage from IndusInd Bank on top of the IRCTC charge.
Rent payment processing charge is 1% of the transaction value when you pay rent through fintech apps. A ₹25,000 rent payment would cost ₹250 in processing fees, on top of zero rewards earned.
Cheque payment charge is ₹0, which is a positive when compared to banks that charge ₹100 to ₹250 per cheque. You can pay your bill via cheque without any deduction.
Cash payment at branch carries a service fee of ₹100 per transaction. Digital payments through UPI, NEFT, or IMPS are free.
Late payment charges are slab-based on the outstanding statement balance: ₹0 below ₹500, ₹500 for balances between ₹501 and ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for balances above ₹10,000.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Fuel Surcharge Waiver | 1% on ₹400-₹4,000 |
| Forex Markup | 3.5% |
| APR | 3.6% per month (43.2% p.a.) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Reward Redemption Fee | Not Applicable |
| Railway Surcharge | As per IRCTC / Indian Railways |
| Rent Payment Charge | 1% of transaction |
| Cheque Payment Charge | ₹0 |
| Cash Payment at Branch | ₹100 per transaction |
| Late Payment Charges | ₹0 / ₹500 / ₹750 / ₹1,200 (slab-based) |
View FAQ
Commonly Asked Questions
Q. What is the interest rate on this card?
A. The interest rate is 3.6% per month, which works out to 43.2% per annum on revolving balances. Paying your full statement balance avoids these charges entirely.
Q. What is the forex markup on this card?
A. The forex markup is 3.5% on all international transactions, added to the converted INR value at the bank's exchange rate.
Q. What are the late payment charges?
A. Late payment charges are slab-based: ₹0 below ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for balances above ₹10,000.
Q. Is there a charge for paying rent with this card?
A. Yes, rent payments through fintech apps attract a 1% processing charge, and you do not earn reward points on these transactions either.
Q. What is the cash advance fee?
A. The cash advance fee is 2.5% of the withdrawn amount, with a minimum of ₹500. Interest also accrues from the day of withdrawal at 3.6% per month.
Q. Is there a fee for redeeming reward points?
A. No, there is no fee for redeeming reward points for cash credit. This is a meaningful advantage compared to cards that charge ₹99 per redemption.
Documents Required
To apply for the IndusInd Platinum Aura Edge, you need to submit the following documents during the application process. Most can be uploaded digitally.
Identity proof requires a PAN card, which is mandatory as per RBI rules. You can supplement it with Aadhaar, Voter ID, passport, or driving licence. Address proof can be Aadhaar with current address, recent utility bills not older than 3 months, rental agreement, passport, or driving licence with the correct address.
Income proof for salaried applicants includes the last 3 months' salary slips and the last 6 months' bank statement showing salary credits. Self-employed applicants need to submit the last 2 years' ITR with computation, latest 6 months' business bank statement, and proof of business existence such as a GST certificate, partnership deed, or shop establishment registration.
You also need one passport-size photograph (digital upload during online application) and your existing credit card statement (if any) to help the bank assess your credit history.
View FAQ
Commonly Asked Questions
Q. Is PAN mandatory for this card application?
A. Yes, PAN is mandatory as per RBI regulations for all credit card applications in India.
Q. What income documents do salaried applicants need?
A. Salaried applicants need the last 3 months' salary slips and the last 6 months' bank statement showing regular salary credits.
Q. What documents do self-employed applicants need?
A. Self-employed applicants need the last 2 years' ITR with computation, 6 months' business bank statement, and proof of business existence like a GST certificate or partnership deed.
Who Should Get This Card?
The IndusInd Platinum Aura Edge is a great fit for first-time premium card users who want a lifetime free card with meaningful rewards but do not want to commit to an annual fee. The customisable plan system means you can tune the card to your spending pattern without changing your habits.
If you are a young professional in your 20s or early 30s earning ₹3 to ₹8 LPA, this card slots in well as a primary credit card. You can pick the Shop Plan if you spend on fashion and departmental stores, the Home Plan if grocery and utilities dominate, the Travel Plan if you travel frequently for work or leisure, or the Party Plan if dining and entertainment make up the bulk of your discretionary spend.
The card is also useful as a secondary card alongside a category-specific premium card. For example, if your primary is the HDFC Regalia for travel, you could use the Aura Edge on the Shop or Home plan for everyday spends. Since there is no fee, there is no pressure to use it heavily.
This card is not the right pick if you are a heavy international traveller (3.5% forex markup is standard but not differentiated), need premium airport lounge access, or want a single high-earn cashback rate on all spends. For lounge access, look at the IDFC First Wealth or AU LIT. For unconditional cashback, the SBI Cashback or Axis ACE are stronger options.
Credit Limit and What to Expect
The credit limit on your IndusInd Platinum Aura Edge depends on your income, CIBIL score, existing credit obligations, and the bank's internal scoring. For a ₹3 to ₹5 LPA income profile, starting limits typically range from ₹50,000 to ₹1,50,000. For higher incomes, limits can reach ₹3,00,000 or more.
The bank reviews accounts periodically and offers credit limit enhancements after 6 to 12 months of regular usage and timely payments. Enhancement requests can be raised through the IndusInd Mobile Banking app or by calling customer care. A 20% to 50% increase is common for cardholders with healthy utilisation patterns.
You should aim to keep your credit utilisation ratio below 30% to maintain a strong credit score. If your limit is ₹1,00,000, try to keep monthly billed amounts under ₹30,000 or pay down balances before the statement closes. Within the total limit, there is also a cash advance limit, usually 20% to 40% of your credit limit, attracting a 2.5% fee with a minimum of ₹500.
View FAQ
Commonly Asked Questions
Q. What is the typical starting credit limit?
A. For ₹3 to ₹5 LPA income profiles, starting limits typically range from ₹50,000 to ₹1,50,000. Higher incomes and better credit profiles may receive limits up to ₹3,00,000 or more.
Q. When can I request a credit limit enhancement?
A. You can request an enhancement after 6 to 12 months of regular usage and on-time payments. Enhancements of 20% to 50% are common for cardholders with healthy spend and payment patterns.
Q. What is the cash withdrawal limit?
A. The cash advance limit is usually 20% to 40% of your total credit limit. Withdrawals attract a 2.5% fee with a minimum of ₹500, plus interest from the day of withdrawal.
How to Apply?
You can apply for the card through three channels: the IndusInd Bank website or mobile app, partner platforms like BankKaro that often run additional cashback offers on credit card applications, or by visiting your nearest IndusInd Bank branch.
For the online application, visit the IndusInd Bank credit cards page, select the Platinum Aura Edge, and click Apply Now. You will fill in PAN, Aadhaar, date of birth, employment type, and monthly income. Upload digital copies of your PAN, Aadhaar, latest salary slips (for salaried) or last 2 ITR documents (for self-employed), and address proof. The bank runs a soft credit pull and gives you an initial eligibility decision within a few minutes.
If you clear the initial check, you complete video KYC from your phone, which takes about 5 to 10 minutes. The physical card is dispatched within 7 to 10 working days. You may receive a virtual card on the IndusInd Mobile Banking app even sooner for online transactions.
For an offline application, walk into the nearest IndusInd branch with the same documents. A relationship manager helps you fill the form and the application is processed within 10 to 14 working days.
View FAQ
Commonly Asked Questions
Q. Can I apply online for the IndusInd Platinum Aura Edge?
A. Yes, you can apply online through the IndusInd Bank website or the mobile app. Partner platforms like BankKaro may offer additional welcome benefits on applications routed through them.
Q. How long does card delivery take?
A. The physical card is dispatched within 7 to 10 working days of final approval. A virtual card may be available on the IndusInd Mobile Banking app even sooner.
Q. Is video KYC required for the application?
A. Yes, video KYC is required for most online applications and is conducted via a 5 to 10 minute video call with an IndusInd Bank representative.
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Top Benefits
Apply and get ₹1000 Rewards
Top Benefits
Earn 4 Reward Points Per ₹100 on Your Top Spending Category
choose from 4 reward plans — Shop, Home, Travel or Party — to maximize earnings on what you spend most on
Earn 4 Reward Points per ₹100 on Hotel Expenses
via Travel Plan plus 2.5 points on airline tickets and 1.5 points on car rental & rail tickets
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