Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card

The Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card is a lifetime-free co-branded card designed for everyday digital spenders, particularly those who frequently shop online and make UPI payments. Issued by IndusInd Bank in partnership with Poonawalla Fincorp, the card operates on the RuPay network, allowing cardholders to link it directly to UPI apps such as Google Pay, PhonePe, and Paytm for seamless credit-based UPI transactions. The card rewards e-commerce enthusiasts with 2.5 reward points for every ₹100 spent on online shopping, while UPI and point-of-sale transactions earn 1 reward point per ₹100. Points can be redeemed through IndusMoments, KrisFlyer airline miles, cash credit, or the Pay with Rewards option. Entertainment lovers benefit from a buy-one-get-one-free movie ticket offer on BookMyShow each month, with the complimentary ticket capped at ₹200. Annual spenders who cross ₹4,00,000 earn an additional 3,000 bonus reward points as a milestone benefit. Further value comes from a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations across India, RuPay-exclusive airport lounge access at Delhi T3, and Total Protect insurance coverage for unauthorized transactions. The card's estimated annual savings amount to approximately ₹3,864, making it a practical choice for digitally active consumers.