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 [yasr_overall_rating]
  • 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.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

90 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 ๐Ÿ˜€

  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 ๐Ÿ˜€
      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.

        2. Pradipta Baksi

          Can you please let me know if it provides free airport lounge access in India and abroad ?


      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..

    3. Bhawna

      Yes they donโ€™t respect Customer without any notification
      They decrease my credit limit


    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 ๐Ÿ™‚

    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.

      1. Atul R

        Muze to joining fee 500 rs batkar lifetime Free bata rahe he .New card Lena he to apka to kuch alag he annual charge

        1. Ravinder

          I got Aura Edge liftime free without any fee. I applied through BankBazaar.

  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 ๐Ÿ™‚

      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.

          1. Mohit

            Is that’s possible self employed for card for free I mean not joining & yearly fess…

      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 donโ€™t want to take any hit to my credit score and therefore want to take all the appropriate measures. Expecting a response from you ๐Ÿ™‚

    1. Siddharth Post author

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

      1. Ankit shukla

        As per my experience bank will report high credit utilization as per regular report on the end of every month and some time it seems that we utilize high limit and paid in full till due date after that in next moth bank will report high credit utilization. When nothing is your outstanding. Don’t think that if you once use high credit your cibil get drop down if you utilize hugh and paid minimum amount cantinue 2-3 month then you can damage you cibil score. All these is real day to day tracked experiences.

  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.

      1. Mayank

        Indusind is offering me platinum card and they told me that this card includes free road side assistance for both two wheelers and 4 wheelers free of cost? has anyone used this service?

  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

  17. Narsimha

    Im using 7 credit cards as of now.. everything is going good.. Any issues in using more cards?

      1. Ykr

        Can you please reply me..
        Can I apply for this card..? I have yes bank and kotak cards ..
        My CIBIL score 769
        2 EMIs(consumer durable) delayed 3 months ago..

  18. Devish

    I am getting offer from Indusind Card on card basis , but not offering desire card so I am trying to get basics credit card and after using will upgrade
    1) How is Indusind credit card upgrade policy ?
    2) How good credit limit they are offering on card on card basis ( at-least they are giving same limit ?)
    3)how good are they on offering credit limits enhancement ?
    4)How is customer care ?

    PS: My CIBIL is good , and having CC with credit limit more than 5L

    1. Kiran

      1. Upgrade can be done easily but you wil have to pay the Joining fees there is no relaxation on that.

      2.Card on Card basis will be 10% more than your existing card limit.

      3. Same reply has Sl. No. 2

      4. I havenโ€™t contacted much but when I had couple
      Of queries they responded well.

      Hope this helps.


      1. devish

        Thanks Kiran
        So IF I got this card , there are chances to get offer to limit enhancement periodically ?

    2. Narinder Pal Singh

      Hi Davish,

      1. I am using Indusind Iconia Amex from last two years. They have a strange upgrade policy. I requested them to upgrade my Iconia to legends. For which they asked me to pay 10,000 as joining bonus. so no difference if you are existing holder who had paid joining for existing card or new customer.
      2 and 3. My cibil is 800+ and my credit limit is less than my monthly in hand salary. Even after sending salary slips twice limit is same. Its limit is less than my other cards.
      4. Customer care is good. They know things.

      1. devish

        @ Thanks Narinder Pal Singh

        Did you applied card on card basis ? If yes they give same credit or less in new card ?
        Any other relationship with Indusind ?

    3. Prashant Gupta

      There are mamy better cards from yes bank, hdfc. Amex…. any particular reason for Indusind.

      1. devish

        Yes Bank , Amex not offering Credit card here, looking card which give good credit limits and also periodically offering credit limit increase automatically

  19. Points Guy India

    1. Don’t Know
    2. They are not as stingy as Yes Bank in giving credit limits, I once spoke to Indusind Credit card employee and he told me that if i apply for card on card they i will get 20% more credit limit than existing card,
    3. don’t know
    4.don’t know

  20. Mansoor

    Siddarth can u please me out this, Im having a induslnd platinum aura credit card so how do I use emi in that bcoz in induslnd app doesn’t showing emi option anywhere

  21. Kapil

    Does Platinum Aura Edge Mastercard comes with Priority pass and complementary lounge access for add-on card as well?
    few sites mention that this card is lifetime free is it true?
    Hows Indusind bank service for this card or in general?

  22. AshishR

    Does Platinum Aura Edge Mastercard comes with Priority pass and complementary lounge access for add-on card as well? –
    it doesnt have any Pp or lounge access at all

    few sites mention that this card is lifetime free is it true?
    you pay one time joining charge, theres no annual charges

    Hows Indusind bank service for this card or in general?
    service is normal like other banks card

  23. AJ

    Indusind does provide high limits on card to card basis i have applied on card to card with kotak royale which was only 6 months old with limit of 1.83 lacs for paltinum aura card they have provided me with 2.5 lac credit limit… the only issue is indusind provides credit limit Increase after 1 year only and that too @ 20 % to 30% max. i got @ 30% CLI after 1yr next day of my statement date even though my spends @ 20 Lacs per annum. When contact the customer care they would recommend for card upgrade to get high limits but its just a trick to collect one time joining fees. 2 of my friends applied for card upgrade but they got the same limits. Now i am receiving calls n msg to get legend signature card for free but i was not all interested so ignored.. as im happy with platinum card.

    P.S. i dont have any other relationship than CC with them

  24. Akhil

    How this guys decide the credit limit while they offer you the first credit card. I have got a offer for aura edge credit card. Please share your opinions.

  25. Seshagiri Rao D

    this indusind bank Platinum credit card is totally a bullshit. the customer care and people are real stupid they dont bither about customers. they simply torture customers. stupid customer care and stupid bank and bullshit card.


      I got one offer from INDUSIND CC for PLATINUM AURA.
      Executive is saying
      One time joining fees is 599 and after that it is lifetime free.
      Can any body explain this information is correct and should I apply for this card?

  26. Santosh Chauhan

    Is there any platinum card which doesn’t have an annual fee?

  27. Soumya

    Hi i have two Credit cards one is RBL Super Card and one is Indusind Aura Platinum Card which is better to keep please suggest

    1. Himanshu Kainth


      Why RBL or indusind?

      Start with hdfc moneyback or regalia first if you are eligible. You can also look at SBI simplyclick for online shopping.

    2. Kishore

      RBL card is useless interns of rewards and customer support….better to keep indusind ..

  28. Rashmi Kashyap

    How to pay bill of aura credit card and where I can check all my credit card transactions?

    1. Praveen Katiyar

      Download the Indus Mobile App. It is very handy and I found it useful.

      I hope it helps.

    2. Ankur

      Bill can be paid through Cred, Paytm, By adding in your netbanking of any bank account( details for this can be found on indus ind website). For transactions login into indus ind mobile app or website.

  29. Gurkirat

    Bankbazaar is offering it LTF, only use I could think of is Accelerated rewards or Discounts on swiggy(currently 20%).
    Can anyone confirm about Priority pass, As Indusind website states ”you also get access to 600+ VIP airport lounges across the world with our complimentary Priority Pass program” equivalent to USD 99 X2=USD 198.

    1. Ankur

      Access charge per visit in $ is chargeable and only Priority Pass fee is waived off.

      1. Gurkirat

        @ Ankur , thanks for clarification. Then I think I got myself a useless card ๐Ÿ™‚, anyway credit line won’t hurt.

  30. Himanshu

    I have received this card a week ago. I applied via BankBazaar as it was being offered LTF and I might upgrade it to Iconia later. The whole processing took 19 days.
    However, since the day 1, I am unable to register this card on IndusInd website or mobile app. I am getting a message stating the card details are incorrect.
    I have already contacted the customer care but they have no clue about the issue. Their Twitter support is pathetic as well. Has anyone faced this issue?

  31. Mayank

    “Earn up to 4X Reward Points on select merchant categories, for every โ‚น 100 spent on your IndusInd Bank Platinum Aura Edge Credit Card.”
    Can anyone tell me how does this work?

  32. Tushar

    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 aura edge Card also? IndusInd bank is currently offering me that card. doesnโ€™t have an annual fee?

  33. Jeson

    Does Aura edge platinum card provide domestic lounge access. I was told by Bankbazaar executive of Lounge access, but couldn’t find any information on the website

  34. Saurabh Juneja

    Hi everyone,

    I’m getting this card as LTF. Should I go for it? Is it worth adding it? I read comments regarding complimentary lounge access and priority pass but as stated by others I can also see the same.

    Any suggestions whether it is worth going for it??

    1. Shivi

      It’s a pretty useless card but ofcourse depends on what you are looking for

    2. Ankur S

      This card is not so good. Even with LTF you should not be using it. Indus Ind Iconia and Pinnacle are only two cards worth thinking of for Indus Ind.


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