Indusind Platinum Aura is one of the lowest range of card provided by the bank or is available in the market. The rewards and offers provided by the card is low. Although, it have some benefits which we are elaborating below.
Table of Contents
Fees
| Type of Fee | Amount |
| Joining Fee | Rs.899+Tax |
Benefits
Welcome Benefit
- Dinner offers in 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 Membership | Cost of Priority Pass | Annual Benefit |
| Priority Pass Membership | USD99x2 | USD198 (RS.9900 approx.) |
- Travel Plus Program : Travel Plus initiative allows its select users to enjoy special waivers on lounge occupancy charges outside the country.
| Program | Travel Insurance | Lounge Usage | Enrollment Fee | Annual Saving |
| Travel Plus | Yes | Maximum of 8 lounge usage/yr of value USD27 | Rs.5000 per annum | Approx. Rs.12960 |
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OneCard Review
Concierge
- Pre trip Assistance
- Hotel Reservation
- Flight Booking
- Sports & Entertainment Booking
- Exclusive Bookings
- Flowers & Gifts
Auto Assist
- Roadside repair service
- Emergency fuel supply
- Flat tyre service
- Lost keys
Platinum Aura Plans
Platinum Aura Shop Plan
| Spend Categories | Points on Rs.100 spent |
| Shopping in departmental stores | 4 points |
| Purchase of consumer durables or electronic items | 2 points |
| Restaurant bills | 1.5 points |
| Books | 1.5 points |
| All other spends on your card | 0.5 points |
* 1 savings point = Re 0.50 or 0.5 airline mile
Platinum Aura Home Plan
| Spend Category | Saving points on Rs.100 spent |
| Grocery shopping | 4 points |
| Cellphone bills | 2.5 points |
| Electricity bills | 2.5 points |
| Insurance premium | 1.5 points |
| Medical spends | 1.5 points |
| All other spends | 0.5 points |
* 1 savings point = Re 0.50 or 0.5 airline mile
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Platinum Aura Travel Plan
| Spend Category | Savings points on Rs.100 spent |
| Hotel expenses | 4 points |
| Airline tickets | 2.5 points |
| Car rental expenses | 1.5 points |
| Rail tickets | 1.5 points |
| All other spends | 0.5 points |
* 1 savings point = Re 0.50 or 0.5 airline mile
Platinum Aura Party Plan
| Spend Category | Savings points on Rs.100 spent |
| Restaurant bills | 4 points |
| Shopping in departmental stores | 2 points |
| Payments in bars and pubs | 2 points |
| Movie tickets | 1.5 points |
| All other spends | 0.5 points |
* 1 savings point = Re 0.50 or 0.5 airline mile
Bottom Line
This is a sort of basic card comes with a stagnant reward rate. Although the way of presenting rewards are amazing but they almost have same kind of points. There is not anything major in this card.
It is a simple card with regular reward rate on retail spending. This is good for you if you want to keep a basic card for your small and everyday transaction. It also do not provide access to lounge domestically or internationally. You can visit the Credit Cards Review to know what kind of card you want.
Indusind provides personalized offers during festival time which allows you to gain some good rewards. So if you want card to use sometimes or during festival times, this is the best you can go for.
Know More
FAQ’s
I have applied for a credit card. How long does it take to get the card?
The processing of credit card Application will take approximately 10 to 15 working days from the date all relevant documents are submitted as per the Bank’s requirement.
How interest rate are calculated on my credit card?
Interest is calculated on a daily basis on the current outstanding balance of the Cardholder. It is levied if Total Amount Due is not paid off by due date. Interest is also levied on all fee, charges, interest and service tax. Interest rate of 3.83% per month will be applicable initially.
What to do in case if my card is lost?
In the event that you lose your credit card, please report the loss to IndusInd Bank Phone Banking immediately. Alternatively, you can instantly block and replace your credit card on Indus Net/Indus Mobile.
What if I cross my credit limit?
The cardholder must not exceed his credit limit under any circumstances. In case, the cardholder exceeds his credit limit, the card holder must immediately make a payment to IndusInd Bank in lieu of all amounts in excess of the credit limit. In case, the cardholder exceeds the credit limit, the Bank will levy an over limit charge as declared from time-to-time in the schedule of charges.