MyFinCards
Platinum Aura Credit Card (Discontinued)

Joining Fee

₹2,000

Annual Fee

Rs. 2000 + Taxes

IndusInd Bank
Rewards
Lifestyle
Travel
Shopping
Best For: Shoppers, Frequent travellers, Diners and lifestyle spenders, Home and utility bill payers

Platinum Aura Credit Card (Discontinued)

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.5

Earning Cap

₹2,500 /monthly

Pros

  • Flexible reward plans tailored to lifestyle (Shop, Home, Travel, Party)
  • Up to 4X reward points on select spend categories
  • Comprehensive travel insurance cover
  • Fuel surcharge waiver at all petrol pumps across India
  • Total Protect fraud insurance up to credit limit
  • 24x7 Concierge service
  • Airline miles redemption option (KrisFlyer)

Cons

  • Discontinued product - not available for new applicants
  • Fuel transactions do not accrue reward points (effective 1st April 2018)
  • Non-cash redemption value reduced to 1 RP = Rs 0.35 (from 1st March 2024)
  • Maximum reward points for cash redemption capped at 2500 per calendar month (from 1st September 2024)
  • Club Vistara Airmiles redemption discontinued from 31st Oct 2024
  • InterMiles redemption discontinued from 21st Jan 2025

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

From 1st March 2024, non-cash redemption value (excluding airmiles) is 1 RP = Rs 0.35

Maximum 2500 reward points allowed for cash redemption per calendar month from 1st September 2024

Fuel transactions do not earn reward points from 1st April 2018

Welcome gift only applicable on select fee plans

Rewards program revised for select merchant categories from 1st August 2019

Key Benefits & Features

Welcome gift vouchers from brands like Bata and Vero Moda on select fee plans

Discount vouchers via Vouchagram from Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola and more

Airline Miles redemption on KrisFlyer; Club Vistara Airmiles discontinued from 31st Oct 2024; InterMiles discontinued from 21st Jan 2025

Notable Exclusions

Fuel transactions do not accrue reward points

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Platinum Aura Credit Card (Discontinued)

The IndusInd Bank Platinum Aura Credit Card is a lifestyle-focused card designed for those who expect luxury and enjoyment while travelling, dining, or simply living life to the fullest. Though now discontinued for new applicants, it remains a reference point for existing cardholders and offered an impressive range of world-class privileges tailored to diverse spending habits. At the heart of the card is a flexible rewards programme allowing cardholders to choose from four distinct plans: the Shop Plan, Home Plan, Travel Plan, and Party Plan. Each plan rewards spending in specific categories with up to 4X savings points per Rs. 100 spent. Points can be redeemed against card dues or converted into airline miles, offering genuine versatility in how rewards are used. Beyond rewards, the card delivers meaningful lifestyle and protection benefits. Cardholders enjoy comprehensive travel insurance covering lost baggage, missed connections, and passport loss, as well as the Total Protect feature safeguarding against unauthorised card transactions. A 1% fuel surcharge waiver provides everyday savings, while 24x7 concierge service and welcome gift vouchers from leading brands like Amazon, Flipkart, Bata, and Vero Moda add further lifestyle value. It is best suited to shoppers, frequent travellers, diners, and home and utility bill payers.

Expert Review

Our Verdict

Flexible reward plans for lifestyle spends with travel insurance and fuel surcharge waiver. Discontinued for new applica

Frequently Asked QuestionsAbout Platinum Aura Credit Card (Discontinued)

OTHERIs the Platinum Aura Credit Card still available for new applicants?
No, the IndusInd Bank Platinum Aura Credit Card has been discontinued for new sourcing. The product page is maintained only as a reference for existing IndusInd Bank Platinum Aura Visa and Mastercard Credit Cardholders. If you are looking for a new credit card, IndusInd Bank offers a range of other credit card products that may match your lifestyle needs.
FEESWhat are the joining and annual fees for the Platinum Aura Credit Card?
The Platinum Aura Credit Card does not have publicly listed joining or annual fees as it is a discontinued product. Since the card is no longer available for new applicants, fee details are no longer applicable for new sourcing. Existing cardholders should refer to their card agreement or contact IndusInd Bank's phone banking at 1860 267 7777 for specific fee-related queries.
REWARDSWhat reward plans are available on the Platinum Aura Credit Card?
The Platinum Aura Credit Card offers four flexible reward plans tailored to different lifestyles: the Shop Plan (rewards on departmental stores, electronics, restaurants, books), the Home Plan (rewards on groceries, utility bills, insurance, medical spends), the Travel Plan (rewards on hotels, airline tickets, car rentals, rail tickets), and the Party Plan (rewards on restaurants, departmental stores, bars/pubs, movie tickets). Cardholders can choose the plan that best suits their spending habits.
REWARDSHow many reward points can I earn on the Platinum Aura Credit Card?
You can earn up to 4X reward points on select merchant categories depending on your chosen plan. For example, under the Shop Plan you earn 4 savings points per ₹100 spent at departmental stores; under the Home Plan, 4 points per ₹100 on grocery shopping; under the Travel Plan, 4 points per ₹100 on hotel expenses; and under the Party Plan, 4 points per ₹100 on restaurant bills. All other spends earn 0.5 savings points per ₹100 spent.
REWARDSWhat is the value of reward points on the Platinum Aura Credit Card?
Each savings point is valued at Re 0.50 for cash/statement credit redemption or 0.5 airline miles. However, please note that effective 1st March 2024, the value of non-cash redemption (excluding airmiles) has been revised to 1 RP = Rs 0.35. Additionally, from 1st September 2024, the maximum reward points allowed for cash redemption is capped at 2,500 per calendar month.
USAGEHow can I redeem my reward points on the Platinum Aura Credit Card?
To redeem your reward points, call IndusInd Bank's phone banking number at 1860 267 7777 and place a request for your preferred redemption option. Available redemption options include IndusMoments, Pay with Rewards (statement credit), Airline Miles on KrisFlyer, and Cash Credit. Please note that Club Vistara Airmiles redemption was discontinued from 31st October 2024, and InterMiles redemption was discontinued from 21st January 2025.
BENEFITSDo fuel transactions earn reward points on the Platinum Aura Credit Card?
No. Effective 1st April 2018, fuel transactions do not accrue reward points on the IndusInd Bank Platinum Aura Credit Card. However, existing cardholders can still enjoy a 1% fuel surcharge waiver at any petrol pump across India. For example, if you spend ₹2,000 per month on fuel, you can save ₹20 per month, amounting to ₹240 in annual savings through the surcharge waiver.
BENEFITSWhat travel insurance benefits does the Platinum Aura Credit Card offer?
The Platinum Aura Credit Card provides comprehensive travel insurance in tie-up with The Oriental Insurance Company. Coverage includes: Lost Baggage up to ₹1,00,000; Delayed Baggage up to ₹25,000; Loss of Passport up to ₹50,000; Lost Ticket up to ₹25,000; and Missed Connection up to ₹25,000. These benefits are designed to protect cardholders during their travel journeys.
BENEFITSWhat is Total Protect on the Platinum Aura Credit Card?
Total Protect is a fraud insurance benefit exclusively available to Platinum Aura cardholders. The insurance coverage is equivalent to the credit limit on your credit card and is also available on add-on cards. It covers unauthorized transactions in case of loss or theft (up to 48 hours prior to reporting the loss to IndusInd Bank) and counterfeit fraud, where stolen card details are used to produce fake cards.
USAGEDoes the Platinum Aura Credit Card offer airline miles redemption?
Yes, existing cardholders can redeem reward points as airline miles on Singapore Airlines' KrisFlyer program, where 1 savings point equals 0.5 KrisFlyer miles. However, please note that Club Vistara Airmiles redemption was discontinued effective 31st October 2024, and InterMiles redemption was discontinued effective 21st January 2025. For KrisFlyer redemption, cardholders should refer to the relevant terms and conditions or call 1860 267 7777.
BENEFITSWhat concierge services are available with the Platinum Aura Credit Card?
The IndusInd Bank Platinum Aura Credit Card offers a 24x7 Concierge service designed to provide personal attention to cardholders and make every moment memorable. The concierge service assists with travel arrangements, reservations, and other lifestyle requests. Existing cardholders can reach out to the concierge through IndusInd Bank's dedicated phone banking number at 1860 267 7777 for assistance.
BENEFITSWhat welcome benefits are available on the Platinum Aura Credit Card?
The Platinum Aura Credit Card offers welcome benefits including discount vouchers from multiple brands via Vouchagram, such as Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola, and more. Additionally, gift vouchers for BATA and Vero Moda are available. Please note that welcome gifts are only applicable on select fee plans, and the list of brands is subject to change at the discretion of the Bank and Vouchagram.
USAGECan I switch my Platinum Aura reward plan, and how do I choose the right one?
The Platinum Aura Credit Card offers four plans — Shop, Home, Travel, and Party — each designed to maximize rewards based on your primary spending category. The Shop Plan benefits frequent shoppers and diners, the Home Plan suits those with high household expenses, the Travel Plan is ideal for frequent flyers, and the Party Plan rewards entertainment and dining spends. To switch your plan or get more details, contact IndusInd Bank phone banking at 1860 267 7777.
INTERNATIONALIs there a forex markup fee on the Platinum Aura Credit Card?
The forex markup fee details for the Platinum Aura Credit Card are not publicly specified, as the card has been discontinued for new applicants. Existing cardholders who wish to know the applicable foreign currency transaction charges should refer to their card agreement, visit IndusInd Bank's Schedule of Charges, or contact phone banking at 1860 267 7777 for accurate and up-to-date information on international usage fees.
CANCELLATIONHow can I cancel or close my Platinum Aura Credit Card?
Since the Platinum Aura Credit Card is a discontinued product, existing cardholders who wish to cancel or close their card can do so by contacting IndusInd Bank's customer care at 1860 267 7777. Before cancelling, it is advisable to redeem any outstanding reward points, as they may lapse upon card closure. You may also consider upgrading or switching to another active IndusInd Bank credit card that suits your lifestyle.

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