Indusind Platinum Aura Credit Card Review

By | March 5, 2021

Indusind Platinum Aura is one of the lowest ranges of cards provided by the bank or is available in the market. The rewards and offers provided by the card are low. Although, it has some benefits, which we are elaborating on below.

Apply Indusind Platinum Aura Credit Card


Type of FeeAmount
Joining FeeRs.899+Tax
Annual FeeNil

* No annual fee make this card as life time free credit card.


Welcome Benefit

  • Dinner offers in the top 2000 hotels across 9 cities in India.
  • Vouchers from Bata, Vero Moda, etc.

Travel Benefits

  • Priority Pass Program: IndusInd Bank accommodates your personal travel requirements, no matter how many trips you make in a year. They pamper you in style and with care to make every journey a special experience.
Annual MembershipCost of Priority PassAnnual Benefit
Priority Pass MembershipUSD99x2USD198 (RS.9900 approx.)
  • Travel Plus Program:  Travel Plus initiative allows its select users to enjoy special waivers on lounge occupancy charges outside the country.
ProgramTravel InsuranceLounge UsageEnrollment FeeAnnual Saving
Travel PlusYesMaximum of 8 lounge usage/yr of value USD27Rs.5000 per annum Approx. Rs.12960

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Indusind Platinum Aura Credit Card
  • Pre-trip Assistance
  • Hotel Reservation
  • Flight Booking
  • Sports & Entertainment Booking
  • Exclusive Bookings
  • Flowers & Gifts

Auto Assist

  • Roadside repair service
  • Emergency fuel supply
  • Flat tire service
  • Lost keys

Platinum Aura Plans

Indusind Platinum Aura Credit Card Fees

Platinum Aura Shop Plan

Spend CategoriesPoints on Rs.100 spent
Shopping in departmental stores4 points
Purchase of consumer durables or electronic items2 points
Restaurant bills1.5 points
Books1.5 points
All other spend on your card0.5 points

Platinum Aura Home Plan

Spend CategorySaving points on Rs.100 spent
Grocery shopping4 points
Cellphone bills2.5 points
Electricity bills2.5 points
Insurance premium1.5 points
Medical spends1.5 points
All other spends0.5 points

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Platinum Aura Travel Plan

Spend CategorySavings points on Rs.100 spent
Hotel expenses4 points
Airline tickets2.5 points
Car rental expenses1.5 points
Rail tickets1.5 points
All other spends0.5 points

Platinum Aura Party Plan

Spend CategorySavings points on Rs.100 spent
Restaurant bills4 points
Shopping in departmental stores2 points
Payments in bars and pubs2 points
Movie tickets1.5 points
All other spends0.5 points

1 savings point = Re 0.50 or 0.5 airline mile


Indusind Platinum Aura Credit Card eligibility
  • Age: 21 years-65 years
  • Should be resident of India
  • Monthly income must be Rs.30,000 or more for both Salaried as well as Self-employed individuals

Our Suggestion

This is absolutely an amazing card if you want to keep it for domestic transactions only. It covers almost all the areas in terms of rewards.

Although the reward rate is low, what else we can expect from a low-range card. By spending strategically, you will earn a good return.

We used this card primarily for our grocery shopping and bill payments. One drawback of this card is that it does not offer any free lounge access. Not even domestic lounge.

Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 3 months
    • Bank Statement of last 6 months
    • ITR of an annual year

How to apply?

Indusind Credit Card- how to apply

You can apply for the card in the following manner:

  1. You have to visit the IndusInd Bank website to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card


Low joining feeNo free lounge access
Good reward coverage

Bottom Line

Indusind Aura is a sort of primary card that comes with a stagnant reward rate. Although the way of presenting rewards is fantastic, they almost have some points. There is not anything significant in this card.

It is a simple card with a regular reward rate on retail spending. This is good for you if you want to keep a basic card for your small and everyday transactions.

It also does not provide lounge access domestically or internationally. You can visit the Credit Cards Review to know what kind of card you want.

Indusind provides personalized offers during a festival time which allows you to gain some good rewards. So if you want the card to use sometimes or during festival times, this is the best you can go for.


I have applied for an IndusInd Platinum Aura credit card. How much time it will take to deliver the card.

It will hardly take 10-15 days to deliver you the card, after being all the documents submitted properly.

How bank calculate interest rate on my credit card

The bank charges 3.83% per month on the amount used by you from the card. It starts charging interest from the very next day of the transaction being made.

What to do in case if my card is lost?

If you lost your card, immediately contact your bank’s phone banking officer to block the card.

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