IndusInd Bank Platinum Aura Credit Card Review

Indusind Bank offers so many credit cards for their customers and Indusind Bank Platinum Aura Credit Card is one of them. It is specially designed for those peoples who like to spend a luxurious lifestyle. It is one of the best cards for Lifestyle, Travel, and Dining. It has also other privileges such as welcome gifts, reward points, Platinum Aura Shop Plan, Platinum Aura Travel, Platinum Aura Concierge, Platinum Aura Freedom, Platinum Aura Auto Assist, Platinum Aura Assurance, Customer Service, etc.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹30,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹30,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹500 + GST
  • Annual Fee: None.


  • Welcome benefit:

With the issuance of the card, you will get vouchers from the Oberoi group of hotels, vouchers of Jet Airways, vouchers of Genesis Luxury, etc.

You can also get gift vouchers from BATA and Vero Moda. You will get gift vouchers from Myntra and Satya Paul.

  • Reward benefit:

When you spend ₹100 at Departmental Stores you will get 4 savings points.

When you spend Rs.100 for buying consumer durables or electronics products you will get 2 savings points.

When you spend Rs.100 for purchasing books and dining you will get 1.5 savings points.

When you spend Rs.100 for other purposes you will get 0.5 savings points.

Thus, in a year you can save ₹40000 for purchasing at Departmental stores, ₹35000 for purchasing consumer durables or electronics products, ₹24000 for paying restaurants bills, ₹4000 for purchasing books, ₹15000 for all other purchasing.

  • Lounge access:

With this card you will get a complimentary priority pass program, through this you can get lounge access to more than 600 places.

You can save a minimum of 198 USD (approximately Rs.9900) per year.

Also with the travel plus Program, you can get 8 free lounge accesses per year worth 27USD. 

  • Fuel surcharge waiver:

You will get a 1% fuel surcharge waiver if you spend at any petrol pump in India. 

  • Insurance Coverage:

The card will give you air accidental insurance of up to Rs.25 lakh.

Also, this card comes with ₹50000 coverage for loss of passport, ₹1 lakh for loss of baggage, ₹25,000 coverage for delaying of baggage, and ₹25000 coverage for loss of ticket, etc.

  • Lost card liability coverage:

If your card information is stolen you will get the coverage of the total protect facility. 

  • Concierge service:

You will get concierge services with this card which is available 24×7. With this facility you can avail of pre-trip assistance, flight booking, hotel reservation, sports, and entertainment booking, ordering flowers and gifts for your special one.

This card also offers an auto assist facility it assists in Roadside repair, Emergency fuel service, Emergency towing assistance, Accident Management and medical assistance, etc.


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500.
  • Finance Charge: 3.83% monthly.
  • Foreign currency transaction: 3.5% against the transaction 

Contact Details:

Call: 1860-267-7777

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you want a low-cost lifestyle credit card this card can be a good option for you, it comes with a low joining fee and a zero annual fee. This card offers benefits like reward points on everyday spending, 8 free lounge access annually, fuel surcharge waiver, insurance coverage, concierge service, and lots more. With no annual fee, it is a good credit card for everyday use and lifestyle-related benefits. 

But this card does not feature benefits like golf access, a benefit on travel and dining, etc. So if you want to spend more to have some benefits then you can go for IDFC Bank Wealth Credit Card, it offers some free golf rounds and some free lounge accesses, and some other benefits. And if you want a premium lifestyle credit card then you can go for ICICI Diners Club Black Credit Card.  

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