Indusind Platinum Aura Credit Card Review

By | February 7, 2017

Indusind Platinum Aura Credit Card is one of the lowest range of cards from Indusind bank and its the only card with which you can avail Joining/Annual fee reversal. It provides too low reward rate, though it does have some benefit which i’ll talk about in detail.

Joining Fee: Rs.899+Tax (Waived if you spend Rs.25,000 within first 90 days)

Indusind Platinum Aura Credit Card

Indusind Platinum Aura Credit Card Reward points:

  • Usual Earn Rate: 0.25%
  • Accelerated Earn Rate: Upto 2% (based on the plan you choose)

Indusind Platinum Aura Credit Card gives you choice to choose your own rewards plan. Some of them are good fro travel, while other for shopping etc. You can choose as per your spending pattern, though, there is nothing much to be excited of.

Reward points Redemption:

You can redeem the points for Cash, Airmiles (or) other travel vouchers. The best way to convert the Indusind reward points is convert to Cash credit on the statement.

Features of Indusind Platinum Aura Credit Card:

  • CardExpert Rating: 2.5/5
  • Reward rate: 0.25% to Upto ~2%
  • Complementary Airport lounge access: No
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Special Features: Annual fee waiver

As you can see, its a very basic card and is not even in par with other bank beginner level cards. But its necessary for you to hold atleast one of the Indusind cards and this should perfectly fit as you can get it for free with its waiver.

Now the reason to get one is because, Indusind runs personalized spend based offers every year during festive season, especially during Diwali with which you can get a better reward rate which is in par with the premium cards. Manish also mentioned this in one of his review about Indusind Iconia Credit card which has pretty good features but comes at a cost.

So if you can spend on demand, you must hold at-least one of the Indusind cards in your wallet to avail such offers.

I’m planning to get hands on this card probably for the same reason. Do you have any Indusind Credit Card, or planning to apply one? Share your views in comments below.

41 thoughts on “Indusind Platinum Aura Credit Card Review

  1. Prashant Gupta

    How many credit card one should have. I already have 7 +1 add onn i.e. 8. Will anymore affect cibil score.

    1. Siddharth Post author

      3 is good, rest are for freaks. You can have as much as you want.
      Though, some issuers might see it as too much liability when they see 10 cards on CIBIL report πŸ˜€

  2. Jay

    I am holding IndusInd Platinum Select Card from last three years. It was issued to me on a Annual fee of Rs. 299 + ST however it can be waived if I spend just Rs. 12,000 within 3 months of the charge.

    This year my spends on IndusInd card was like excess of 8 lakhs however they rejected my request for upgrade to a higher variant for lesser joining fee (I said I can pay upto 2k ) but they were like I have to pay 25k as a joining fee. Funny holding their card for 3 years still they don’t respect customer requests. Stopped using their cards even for double digit spend.

    1. Siddharth Post author

      Yes, Indusind makes money from Joining fee, their business model is like that, which wont lost for long πŸ˜€
      Btw, was the said card issued on your SELECT account relationship?

      1. Jay

        It was issued to me on a Card-to-Card basis.
        I don’t hold any relationship with the IndusInd bank except Credit Card. The credit limit they have issued with of excess of 5l and it was the highest at that time (3yrs) for me.

        1. Siddharth Post author

          That’s a nice limit. Might need to enquire about the offers on this card then.


      Bhai, this is too much for the bank.. 8lakh spending can easily get you a much better card even getting a better card like Iconia @ 3500 or signature at 10000 would be much more rewarding.

      Ask for Iconia Amex if you are cool with that or take 10k signature, if you take jet Airways like me.. Go for 25 k variant.. For signature.. You flights worth 25 k.. I have used it.. It works..


    Platinum select is offered at similar price although lesser… At 799 joining and 199 annual. JOINING waived at 25k and annual at 12k.

    This is more than entry level but a so called “premium” card. EASILY approved on c2c basis on a limit above 1 lakh

    1. Siddharth Post author

      Thanks for the info Manu.
      Will possibly apply for this card in coming months as long as the waiver is there πŸ™‚

    2. Jay

      I apologies just checked my statements, I was charged Rs. 200 and not Rs. 299 as per my above earlier post. If possible please edit my above post.

      Thank you.. Finally went ahead and upgraded to Iconia Amex paying Rs. 3500 + ST. I hope I can recover it. IndusInd offers both Amex and Visa cards during the first application process and not for the upgrade itseems.

      Only plus point is Unlimited Lounge access to both Primary and Add on Card Holder within India.

        1. Jay

          Sorry, I didn’t inquire about that as they said I am not eligible to hold both cards when we upgrade.

  4. Aman Gupta

    I am big fan of this blog; And I would like you to review on debit cards too.
    Which bank offers credit card to their customers according to their transactions?

    1. Siddharth Post author

      Axis/HDFC does it.
      Sure will review some cool debit cards as well. One is already on the way πŸ™‚

      1. Aman Gupta

        Thanks for the reply.
        My age is 18 but I found almost every bank offers credit cards to age group of 21+ , Which bank offers credit cards to the age group of 18+ and How?

        1. Siddharth Post author

          You need to check FD based cards, or maybe get an add-on card for now.

      2. Anwar

        Check Induslnd platinum debt cards, they offer 3% reward if are spending 40K+ ,

  5. sdk

    @ jay do you confirm unlimited lounge access to both primary and add on card holder?? it is not mentioned
    anywhere in bank website !!

  6. Akshat

    Hi Siddharth, great work on the blog for all the credit card related info. Could you please put up a review of the IndusInd Bank Platinum Card also? IndusInd bank is currently offering me that card.

  7. amulya

    I have got an Indusind Platinum Aura Edge Mastercard variant, with joining fee of 5K
    Wanted primarily for airport lounge access in addition to my primary ICICI coral Visa
    But this Mastercard variant from Indusind seems to be useless as it has only one free visit a year. Do I discontinue it or ask for another or go for a different company to maximise lounge access.
    Thanks in Advance

      1. Ghouse

        i Dont Have credit history how can i get credit card

  8. Akshat

    Hi Siddharth, I tried finding answer to my query below on your site(as well as online) but couldn’t find anything. Hence putting down here. Your little time to answer this for me would be very much appreciated.

    I’ve recently started using the IndusInd Platinum Aura Edge Credit Card you’ve reviewed above. Following are the details: Spending Limit: 50,000 || Statement cycle : 3rd to 2nd of every month || Due date : 23rd of every month

    I have spent close to 60% of my limit this month (as I have transferred all my debit card spends to credit card to make use of the 50 day interest free period). And I plan to pay up the whole amount by 23rd of next month. I read that it is advised to keep our CC spends within 30-40% limits and not exceed else it brings down our credit score due to over-utilization. Therefore I had the following questions.
    1. How frequently do banks report our CC usage to credit bureau? When would bank report about my usage? For my cycle, would it be 3rd or 23rd or some other date?
    2. If I make full repayment by due date, would it still be reported?
    3. If the utilization limit is to be indeed maintained, then should I make some repayment now to bring it down to <40%?
    Thanks for your patience in reading through. I don’t want to take any hit to my credit score and therefore want to take all the appropriate measures. Expecting a response from you πŸ™‚

    1. Siddharth Post author

      1. Its completely dynamic
      2. Yes
      3. Yes, that’s the best way. Keep the ratio low at “all times”

  9. Kumar

    I have apply new card so I need some query. Card name Indusind Platinum Aura Credit Card how much annual charge ? and Joining fees.

  10. Yogesh. Sonawane

    I have credit card recently I got indusind Bank platinum aura card they opening charges 500 is it OK and card is good or not and it is life time free

  11. Rabbani

    I am offerd free IndusInd Bank Platinum Aura Credit Card.
    Is it ok to go ahead with this card…

    Expecting a response from you

  12. Khushbu

    Hi can you please review IndusInd platinum credit card as I have been offered the same

    1. Siddharth Post author

      Its very basic card. Ignore, if you’ve access to other bank cards.

  13. Suchit Etam

    While applied the credit card into IndusInd Bank.
    default they have been process Platinum Aura Credit Card – IndusInd Bank . pls advice its good or not & what are the minimum limit & benefits will getting in this card.



    1. Parag

      Indusind Credit Card(Fee 5,000 or 10,000)- For card to card Rs 1 lakh limit and 1Year old.
      Against Fixed Deposit (irrespective of Savings Account ) Rs 60,000/-

  15. Jagan

    Hi Sid,

    Please can you update card review for platinum and Platinum select card. Thanks

  16. yougendar

    hi i have applied for indusind platinum aura credit card so i have got 170000 as limit so based on card to card basis they have given me this card so now my query is i am using credit cards in place of debit card for each and every purpose so monthly i am paying around 3 to 4 lakhs on different cards it would effect my cibil score or not


Leave a Reply

Your email address will not be published. Required fields are marked *