IndusInd Bank Platinum Credit Card
INDUSIND · VISA★4.0/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap the card to flip
IndusInd Platinum is IndusInd Bank's entry-to-mid lifestyle card — 2 reward points per ₹100 on all spends, fuel surcharge waiver, and complimentary road-side assistance. A solid everyday card for IndusInd account holders.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 0.50% | — |
| Other | reward points | 0.50% | — |
Dining: 2X reward points on dining
Other: 2X reward points on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
1 complimentary domestic lounge visit per quarter
1% fuel surcharge waiver
Who is this card for?
- 💳Mid tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Dining (0.50% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓Strong rewards that can offset the annual fee for the right spender
- ✓Simple, accessible entry/mid-tier card
👎 Cons
- ✕Annual fee applies unless the spend-based waiver is met
- ✕Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your indusind reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Above-average base value
Premium cards (Pinnacle/Legend)
✈ TRANSFER PARTNERS
🔥 Live offers on this card
1 liveTransfer bonuses and promos running right now for this card's rewards.
25% bonus to KrisFlyer (Pinnacle/Legend)
Premium IndusInd cardholders get a 25% airmiles transfer bonus to KrisFlyer — best value for international redemptions.
Ends 2026-07-31 · view offer ↗
Frequently asked questions
What is the annual fee for the IndusInd Bank Platinum Credit Card?+
The annual fee is Rs 999, which is waived on annual spends of Rs 100000.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 25000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IndusInd Bank Platinum Credit Card are taken from INDUSIND's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
BPCL SBI Card Octane
Comparable SBI option
BPCL RBL Bank SuperCard
Lower annual fee, similar tier
6E Rewards IndiGo HDFC Bank Credit Card
Comparable HDFC option
SBI Card PULSE
Comparable SBI option
Tata Neu Infinity HDFC Bank Credit Card
Comparable HDFC option
IRCTC SBI Card Premier
Comparable SBI option
Want to know if this beats your current card for your spending?