MyFinCards
Platinum Aura Edge Visa/ Master Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

IndusInd Bank
Rewards
Shopping
Travel
Lifestyle
Best For: Shoppers who want to customise rewards to their spending pattern, Frequent travellers seeking travel insurance and airline miles, Everyday spenders looking for fuel savings, People who prefer contactless payments

Platinum Aura Edge Visa/ Master Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.5

Earning Cap

₹2,500 /monthly

Pros

  • Flexibility to choose from 4 reward plans (Shop, Home, Travel, Party) tailored to lifestyle
  • Earn up to 8X reward points on select merchant categories
  • 1% fuel surcharge waiver at all petrol pumps in India
  • Travel insurance cover for multiple scenarios
  • Total Protect fraud insurance up to credit limit
  • Contactless payment feature for fast transactions
  • Accepted at 30 million+ outlets worldwide
  • Lifetime free card

Cons

  • Fuel transactions do not accrue reward points (effective 1st April 2018)
  • Maximum reward points allowed for cash redemption capped at 2500 per calendar month (effective 1st September 2024)
  • Rewards program revised for select merchant categories from 1st August 2019
  • Club Vistara Airmiles redemption discontinued from 31 Oct 2024
  • InterMiles redemption discontinued from 21 Jan 2025
  • Welcome gift only applicable on select fee plan

Hidden Catches (Transparency Policy)

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

Cash redemption of reward points capped at 2500 points per calendar month from September 2024

Fuel spends earn no reward points

Rewards rates on select merchant categories revised downward from August 2019

Key Benefits & Features

Contactless chip-based card; tap at NFC-enabled POS terminals

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

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

Notable Exclusions

No reward points on fuel transactionsMaximum 2500 reward points allowed for cash redemption per calendar month

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

Official Terms & Conditions

About Platinum Aura Edge Visa/ Master Credit Card

The IndusInd Bank Platinum Aura Edge Visa/Mastercard Credit Card is a chip-based contactless credit card designed for modern, high-achieving individuals who seek flexibility and premium privileges across shopping, travel, dining, and lifestyle. By simply tapping the card at compatible merchant terminals, cardholders enjoy fast, convenient, and secure transactions at over 10 lakh outlets in India and more than 30 million outlets worldwide. One of the card's standout features is its flexibility to choose from four customisable reward plans — Shop, Home, Travel, and Party — each tailored to match different spending lifestyles. Cardholders can earn up to 8X reward points on select merchant categories, with points redeemable against card dues, airline miles on KrisFlyer, or through the IndusMoments portal. A 1% fuel surcharge waiver on all petrol pumps across India adds further everyday savings. The card also comes with comprehensive travel insurance through The Oriental Insurance Company, covering lost baggage, delayed baggage, passport loss, missed connections, and lost tickets. Additionally, the Total Protect feature safeguards cardholders against unauthorised transactions and counterfeit fraud up to the full credit limit. Discount vouchers from top brands via Vouchagram round out a well-structured card that balances rewards, security, and lifestyle benefits for discerning spenders.

Expert Review

Our Verdict

Flexible reward plans with up to 8X points on select categories plus contactless payments and fuel waiver.

Frequently Asked QuestionsAbout Platinum Aura Edge Visa/ Master Credit Card

OTHERWhat is the IndusInd Bank Platinum Aura Edge Visa Credit Card?
The IndusInd Bank Platinum Aura Edge Visa Credit Card is a lifetime-free contactless credit card offering top-notch benefits across various categories including travel, dining, lifestyle, and shopping. It features a unique contactless payment option, flexibility to choose from 4 reward plans, up to 8X reward points on select merchant categories, fuel surcharge waiver, and comprehensive insurance benefits. The card is accepted at over 30 million outlets worldwide.
USAGEWhere can I use the IndusInd Bank Platinum Aura Edge Visa Credit Card?
You can use the Platinum Aura Edge Visa Credit Card at merchant establishments for travel, online or e-commerce websites, and to withdraw cash in India and across the globe. Simply wave your card at merchant locations that accept contactless payments. It can also be used at all merchant locations where standard card payments are accepted, covering over 10 lakh merchant outlets in India and over 30 million outlets worldwide.
USAGEHow do I use the contactless payment feature of the Platinum Aura Edge Visa Credit Card?
To use the contactless payment feature, look for merchants displaying the contactless symbol and Visa/Mastercard logo at the POS terminal. Hold your card 4 cm or less from the contactless scanner, and four green lights will display in less than a second to confirm the transaction. You can remove your card once the transaction has been completed. The card can also be used at all standard card payment terminals.
BENEFITSWhat are the key features of the IndusInd Bank Platinum Aura Edge Visa Credit Card?
The key features of the Platinum Aura Edge Visa Credit Card include: a unique contactless payment feature, 1% fuel surcharge waiver at all petrol pumps in India, flexibility to choose from 4 reward plans (Shop, Home, Travel, Party) tailored to your lifestyle, earn up to 8X reward points on select merchant categories, travel insurance cover for multiple scenarios, Total Protect fraud insurance up to the credit limit, and acceptance at 30 million+ outlets worldwide. It is also a lifetime-free card.
OTHERHow can I track the billing cycle for my IndusInd Bank Platinum Aura Edge Visa Credit Card?
A credit card billing cycle is the period during which the bill is generated. Your monthly credit card statements are dispatched to your registered email ID and provide a complete listing of all transactions made during the time period. You can also check your statements conveniently through Net Banking (IndusNet) and the Mobile Banking App (IndusMobile) at any time.
FEESWhat fees are charged for the IndusInd Bank Platinum Aura Edge Visa Credit Card?
The IndusInd Bank Platinum Aura Edge Visa Credit Card is a lifetime-free credit card, meaning there is no joining fee or annual fee. For details on other charges such as interest rates, cash advance fees, or late payment fees associated with your card, please visit the Schedule of Charges section on the IndusInd Bank website.
REWARDSWhat are the 4 reward plans available on the Platinum Aura Edge Credit Card?
The Platinum Aura Edge Credit Card offers 4 reward plans: (1) Shop Plan – earn up to 4X points on departmental store shopping; (2) Home Plan – earn up to 4X points on groceries and household expenses; (3) Travel Plan – earn up to 4X points on hotel expenses and travel-related spends; (4) Party Plan – earn up to 4X points on restaurant bills, bars, pubs, and movies. Each plan allows you to earn 0.5 savings points on all other spends per ₹100 spent.
REWARDSWhat is the value of reward points earned on the Platinum Aura Edge Credit Card?
Each savings point earned on the Platinum Aura Edge Credit Card is equivalent to Re 0.50 or 0.5 airline miles. You can redeem your accumulated reward points through IndusMoments, Pay with Rewards, or Airline Miles on KrisFlyer. Please note that effective 1st September 2024, the maximum reward points allowed for cash redemption is capped at 2,500 per calendar month.
REWARDSDoes the Platinum Aura Edge Credit Card earn reward points on fuel transactions?
No, effective 1st April 2018, fuel transactions do not accrue reward points on the IndusInd Bank Platinum Aura Edge Credit Card. However, you can still enjoy a 1% fuel surcharge waiver at all petrol pumps across India. Based on a monthly fuel usage of ₹2,000, this translates to savings of ₹20 per month or ₹240 per year.
BENEFITSWhat insurance benefits are available with the Platinum Aura Edge Credit Card?
The Platinum Aura Edge Credit Card offers two types of insurance: (1) Travel Insurance under the Travel Plus Program in association with The Oriental Insurance Company Ltd., covering 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). (2) Total Protect fraud insurance covering unauthorized transactions due to loss/theft of card (up to 48 hours prior to reporting) and counterfeit fraud, up to the credit limit.
REWARDSWhat redemption options are available for reward points on the Platinum Aura Edge Credit Card?
You can redeem your Platinum Aura Edge Credit Card reward points through the following options: IndusMoments (gift vouchers and merchandise), Pay with Rewards (offset card dues), and Airline Miles on KrisFlyer. Please note that Club Vistara Airmiles redemption was discontinued effective 31st October 2024, and InterMiles redemption was discontinued effective 21st January 2025. Cash credit redemption is capped at 2,500 reward points per calendar month effective 1st September 2024.
APPLICATIONHow do I apply for the IndusInd Bank Platinum Aura Edge Visa Credit Card?
You can apply for the IndusInd Bank Platinum Aura Edge Visa Credit Card online through the IndusInd Bank website by clicking the 'Apply Now' button on the credit card page. IndusInd Bank offers a 100% digital process with instant approval. You can complete your KYC digitally through Video KYC. For more information on required documents and the application process, visit the IndusInd Bank website or contact customer support.
BENEFITSWhat is the Total Protect feature on the Platinum Aura Edge Credit Card?
Total Protect is a fraud insurance feature on the Platinum Aura Edge Credit Card that protects you against unauthorized use of your card. It covers unauthorized transactions in case of loss or theft of your card, providing insurance cover up to 48 hours prior to reporting the loss to IndusInd Bank. It also covers counterfeit fraud, where your card details are stolen and used to produce counterfeit plastic. The coverage amount is up to the credit limit of your primary and add-on cards.
INTERNATIONALCan I use the Platinum Aura Edge Credit Card for international transactions?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card can be used internationally. It is accepted at over 30 million merchant outlets worldwide and can be used for cash withdrawals globally. The card supports contactless payments wherever the contactless symbol and Visa/Mastercard logo are displayed. For specific details on foreign currency markup fees and international usage charges, please refer to the Schedule of Charges on the IndusInd Bank website.
BENEFITSIs the welcome gift available to all Platinum Aura Edge Credit Card holders?
No, the welcome gift offered through Vouchagram is only applicable on select fee plans of the Platinum Aura Edge Credit Card. The welcome gift includes discount vouchers from multiple brands such as Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola, and more. Please note that these brands are subject to change at the discretion of the Bank and Vouchagram. Refer to the Terms and Conditions on the IndusInd Bank website for full details.

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