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rupaybasiccredit
IndusInd Platinum Aura Edge Credit Card
IndusInd Bank
shopping
Annual Fee
FREE
Joining Fee
Nil
Base Reward
0.5% points
Foreign Markup
3.5% on all foreign currency transactions
Interest Rate
3.95% per month (47.40% per annum)
Product Highlights
- No annual and joining charges.
- Earn up to 8X Reward Points for Select Spends.
Rewards
Earn up to 8X Reward Points on every ₹100 spent based on the selected reward plan: Shop Plan, Home Plan, Travel Plan, Party Plan.
Redemption
1 RP = ₹0.40 for Redemption Against Cash Credit
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 8%(8X Reward Points for Select Spends) | No cap |
utilities | 4%(4 Savings Points per ₹100 spent) | No cap |
dining | 2.5%(2.5 Savings Points per ₹100 spent) | No cap |
entertainment | 1.5%(1.5 Savings Points per ₹100 spent) | No cap |
other | 0.5%(0.5 Savings Points per ₹100 spent) | No cap |
Benefits & Features
1% fuel surcharge waiver on all fuel transactions between ₹400 & ₹4,000.
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup3.5% on all foreign currency transactions
Interest Rate3.95% per month (47.40% per annum)
Cash Advance2.5% of the withdrawn amount, subject to a minimum of ₹300.
Redemption Fee₹100 on every redemption
Eligibility
Available Networks
rupayvisamastercard
Pros & Cons
Pros
- Lifetime free card
- Flexible reward plans based on spending habits
Cons
- No complimentary lounge access
- Redemption fee of ₹100
Additional Info
A maximum of 2,500 Reward Points can be redeemed each statement cycle.