IndusInd Bank Platinum RuPay Credit Card
Card Details
Card Details
- Issuer
- IndusInd Bank
- Card type
- Entry-level / UPI Rewards
- Joining fee
- Nil (Lifetime Free)
- Annual fee
- Nil (Lifetime Free)
- Rewards currency
- Reward Points
Highlights
Highlights
- Lifetime free, zero joining and zero renewal fee.
- 2 Reward Points/₹100 on UPI transactions.
- 1 Reward Point/₹100 on all other eligible non-UPI retail spends.
- 0.7 RP/₹100 on utilities, insurance, government & education spends (UPI and non-UPI).
- 1 RP = ₹0.35 cash/statement credit (max 2,500 RP/month) | 1 RP = ₹0.60 non-cash (IndusMoments catalogue/vouchers).
Reward earning & redemption
Reward earning & redemption
| Category | Earn rate | Effective value (cash) |
|---|---|---|
| UPI transactions (all eligible merchants) | 2 RP / ₹100 | 0.70% |
| All other eligible non-UPI retail spends | 1 RP / ₹100 | 0.35% |
| Utilities, insurance, government, education (UPI & non-UPI) | 0.7 RP / ₹100 | 0.24% |
| Fuel spends | 0 RP | — |
- Redemption: 1 RP = ₹0.35 statement credit.
- Reward Points validity: 1 anniversary year.
Additional benefits
Additional benefits
- Fuel surcharge waiver: 1% on transactions between ₹400–₹4,000 at any petrol pump in India.
- Personal accident insurance: ₹25 lakh cover (air accident).
Review
Review
Not the best rupay card out there. Although card is Life Time free but rewards are still low. Better get some other UPI card.