IndusInd Platinum RuPay Credit Card

The IndusInd Bank Platinum RuPay Credit Card is a lifetime-free credit card designed for users who want the combined convenience of UPI payments and credit card rewards. With zero joining fee and zero annual fee, the card can be seamlessly linked to popular UPI apps such as BHIM, Google Pay, PhonePe, and Paytm, enabling cardholders to scan and pay at any merchant QR code while earning rewards on every transaction. The card offers 2 reward points for every ₹100 spent via UPI transactions and 1 reward point for every ₹100 on non-UPI transactions. Cardholders can also earn ₹0.70 for every ₹100 spent on select merchant categories. Reward points can be redeemed through multiple options, including IndusMoments, airline miles on KrisFlyer, cash credit, or Pay with Rewards. Additionally, the card provides a 1% fuel surcharge waiver at petrol pumps across India. Beyond rewards, the Platinum RuPay Credit Card includes valuable protective benefits. Travel insurance coverage of up to ₹2.25 lakh covers lost baggage, delayed baggage, loss of passport, lost tickets, and missed connections. The card also features Total Protect, a fraud protection program that covers unauthorized transactions up to the credit limit, including coverage up to 48 hours prior to reporting card loss, making it a well-rounded, no-cost card for everyday digital spenders.