MyFinCards
Platinum Aura Edge Credit Card Exclusively for Government Sector Employees - (Discontinued)

Joining Fee

₹500

Annual Fee

Rs. 500 + Taxes

IndusInd Bank
Cashback
Lifestyle
Best For: Government sector employees seeking cashback on everyday spends, Those looking for low-cost EMI conversions

Platinum Aura Edge Credit Card Exclusively for Government Sector Employees - (Discontinued)

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹100 /statement_cycle

Pros

  • 1% flat cashback on all retail spends
  • Free movie ticket every 6 months via BookMyShow
  • 1% fuel and railway surcharge waiver
  • Low EMI interest rate of 1.1% per month with zero processing fees
  • Comprehensive travel insurance cover
  • Total Protect fraud coverage up to credit limit

Cons

  • Cashback capped at INR 100 per statement cycle
  • Only eligible for government sector employees
  • Product discontinued for new applicants
  • Cashback only on spends up to INR 10,000 per statement cycle

Hidden Catches (Transparency Policy)

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

Cashback capped at INR 100 per statement cycle regardless of higher spends

Movie ticket value capped at INR 200; excess must be paid via IndusInd Bank Credit Card

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Occupation

SALARIED

Notable Exclusions

Cashback not applicable on spends above INR 10,000 in a statement cycle

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

Official Terms & Conditions

About Platinum Aura Edge Credit Card Exclusively for Government Sector Employees - (Discontinued)

The IndusInd Bank Platinum Aura Edge Credit Card was designed exclusively for government sector employees, offering a practical suite of benefits tailored to everyday spending needs. As a contactless Visa card, it combines convenience with meaningful savings across multiple spend categories. Please note this card has been discontinued for new applications and is referenced here solely for existing cardholders. At the heart of this card's value proposition is a 1% flat cashback on all retail spends up to Rs. 10,000 per statement cycle, capping monthly cashback earnings at Rs. 100. Cardholders also enjoy a complimentary movie ticket worth up to Rs. 200 every six months via BookMyShow, along with a 1% surcharge waiver on fuel purchases at petrol pumps across India and on railway ticket bookings through IRCTC. For those looking to manage larger expenses, the card offers EMI conversion on both transactions and outstanding balances at an attractive interest rate of just 1.1% per month with zero processing fees. Additional protections include comprehensive travel insurance covering lost baggage, delayed baggage, passport loss, and missed connections, as well as Total Protect coverage against unauthorised and counterfeit card fraud. Combined, these features deliver estimated annual savings of approximately Rs. 2,160 for eligible government sector cardholders.

Expert Review

Our Verdict

1% cashback on spends up to ₹10K/cycle, free movie tickets & fuel waiver for govt employees.

Frequently Asked QuestionsAbout Platinum Aura Edge Credit Card Exclusively for Government Sector Employees - (Discontinued)

ELIGIBILITYWho is eligible to apply for the IndusInd Bank Platinum Aura Edge Credit Card?
The IndusInd Bank Platinum Aura Edge Credit Card was exclusively designed for government sector employees. However, this product has been discontinued for new applicants. Existing cardholders can continue to use their cards and refer to this page for reference. If you are a government sector employee looking for a new credit card, IndusInd Bank recommends exploring their currently available Government Sector Credit Card options.
OTHERIs the Platinum Aura Edge Credit Card still available for new applicants?
No, the IndusInd Bank Platinum Aura Edge Credit Card (Exclusively for Government Sector Employees) has been discontinued for new sourcing. The product page is maintained only as a reference for existing cardholders. If you wish to apply for a government sector credit card, IndusInd Bank advises visiting their website and clicking on the link provided to explore currently available government sector credit card options.
REWARDSWhat cashback benefits does the Platinum Aura Edge Credit Card offer?
The Platinum Aura Edge Credit Card offers 1% flat cashback on all retail spends up to Rs. 10,000 per statement cycle. The maximum cashback that can be earned in a statement cycle is capped at Rs. 100. For example, spends of Rs. 5,000 earn Rs. 50 cashback, while spends of Rs. 10,000 or above earn the maximum of Rs. 100. Cashback earned in the current statement cycle is credited to your credit card account in the subsequent statement cycle.
REWARDSWhat is the maximum cashback I can earn per statement cycle?
The maximum cashback you can earn in a single statement cycle is capped at Rs. 100. This is because the 1% cashback applies only to retail spends up to Rs. 10,000 per statement cycle. Any spends above Rs. 10,000 in a statement cycle will not attract additional cashback. The earned cashback is credited to your credit card account in the subsequent statement cycle.
BENEFITSWhat entertainment benefits are available on this credit card?
The Platinum Aura Edge Credit Card offers one complimentary movie ticket worth up to Rs. 200 every 6 months in a calendar year, redeemable via BookMyShow. This offer is valid at all theatres registered with BookMyShow across major cities in India. If the ticket price exceeds Rs. 200, the cardholder receives a discount of Rs. 200 and must pay the remaining amount using their IndusInd Bank Credit Card. You can book your tickets at www.bookmyshow.com.
BENEFITSDoes the Platinum Aura Edge Credit Card offer a fuel surcharge waiver?
Yes, the Platinum Aura Edge Credit Card provides a 1% fuel surcharge waiver at any petrol pump within India. Additionally, a 1% railway surcharge waiver is available on bookings made through www.irctc.co.in and the IRCTC App. Based on indicative calculations, a monthly fuel usage of Rs. 2,000 saves Rs. 20 per month (Rs. 240 annually), and railway ticket bookings of Rs. 5,000 per quarter save Rs. 50 per quarter (Rs. 200 annually).
BENEFITSWhat is the EMI interest rate on the Platinum Aura Edge Credit Card?
The Platinum Aura Edge Credit Card offers a low EMI interest rate of 1.1% per month (13.2% per annum) for converting transactions or outstanding balances into EMIs. There are zero processing fees for this conversion. To convert your transaction or balance into EMI, you can call IndusInd Bank's customer care at 1860 267 7777. This makes it a cost-effective option for managing larger purchases or outstanding amounts.
BENEFITSWhat travel insurance benefits come with this credit card?
The Platinum Aura Edge Credit Card provides comprehensive travel insurance coverage through a tie-up with The Oriental Insurance Company Ltd. The insurance covers: Lost baggage up to Rs. 1,00,000; Delayed baggage up to Rs. 25,000; Loss of passport up to Rs. 50,000; Lost ticket up to Rs. 25,000; and Missed connection up to Rs. 25,000. This travel insurance acts as an important document for all your trips, giving you peace of mind while travelling.
BENEFITSWhat is the Total Protect feature on the Platinum Aura Edge Credit Card?
Total Protect is a fraud protection program that covers you for unauthorised transactions up to your full credit limit, and is also available on add-on cards. It covers two scenarios: unauthorised transactions due to loss or theft of the card (coverage extends up to 48 hours prior to reporting the loss to IndusInd Bank), and counterfeit fraud where your card or card details are stolen and used to produce counterfeit plastic. This ensures complete protection against fraudulent transactions.
FEESWhat are the joining and annual fees for the Platinum Aura Edge Credit Card?
The IndusInd Bank Platinum Aura Edge Credit Card for government sector employees does not have any publicly listed joining or annual fees, making it an attractive option for eligible government employees. However, since the card has been discontinued for new applicants, fee details are no longer applicable for new sourcing. Existing cardholders should refer to their card agreement or contact IndusInd Bank customer care at 1860 267 7777 for any fee-related queries.
REWARDSWhat is the estimated annual savings value from using the Platinum Aura Edge Credit Card?
Based on IndusInd Bank's value chart, the estimated total annual savings from the Platinum Aura Edge Credit Card amounts to approximately Rs. 2,160. This includes: Movie tickets savings of Rs. 400 (2 tickets x Rs. 200), 1% cashback savings of Rs. 1,200 (Rs. 100 x 12 months), 1% fuel surcharge waiver savings of Rs. 360 (monthly fuel usage of Rs. 3,000), and 1% railway surcharge waiver savings of Rs. 200 (railway bookings of Rs. 5,000 per quarter). Actual savings may vary based on individual usage.
USAGEHow do I use the BookMyShow movie ticket benefit on my Platinum Aura Edge Credit Card?
To avail the complimentary movie ticket benefit, log on to www.bookmyshow.com and book your ticket using your Platinum Aura Edge Credit Card. You are entitled to one free ticket worth up to Rs. 200 every 6 months in a calendar year. The offer is valid at all theatres registered with BookMyShow across major cities in India. If the ticket costs more than Rs. 200, you will receive a Rs. 200 discount and must pay the balance using your IndusInd Bank Credit Card.
USAGEHow can I convert my credit card spends into EMI on the Platinum Aura Edge Credit Card?
You can convert your transactions or outstanding balances into EMI by calling IndusInd Bank's customer care at 1860 267 7777. The EMI conversion is available at an attractive interest rate of 1.1% per month (13.2% per annum) with zero processing fees. This feature helps you manage large purchases or outstanding balances more easily by breaking them into smaller, manageable monthly instalments without incurring any additional processing charges.
OTHERWhat should I do if my Platinum Aura Edge Credit Card is lost or stolen?
If your Platinum Aura Edge Credit Card is lost or stolen, you should immediately report the loss to IndusInd Bank. The card comes with Total Protect fraud coverage, which provides insurance coverage up to your full credit limit, including coverage for unauthorised transactions up to 48 hours prior to reporting the loss. You can contact IndusInd Bank customer care at 1860 267 7777 to report the loss and initiate card blocking to prevent any further unauthorised usage.
USAGEIs the Platinum Aura Edge Credit Card a contactless card?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card is a contactless credit card that operates on the Visa network. It enables fast, convenient, and secure everyday purchases without the need to swipe or insert the card for eligible transactions. This new-age contactless feature allows cardholders to simply tap their card at contactless-enabled payment terminals for quick and seamless transactions, enhancing the overall shopping and payment experience.

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