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Features of IndusInd Bank Platinum Credit Card
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Reward Points Program:
The IndusInd Bank Platinum Credit Card offers a robust rewards program. Earn 1.5 reward points for every ₹150 spent on weekdays (except fuel transactions). For the RuPay variant, earn 2 reward points per ₹100 on UPI transactions and 1 reward point per ₹100 on non-UPI transactions. Points never expire and can be redeemed for cash credit (1 point = ₹0.40), merchandise, vouchers, or air miles. -
Contactless Payment Technology:
The card features payWave technology (Visa/MasterCard variants) for secure contactless payments. Simply tap your card at compatible merchant terminals for fast, convenient transactions without swiping or inserting the card. This EMV chip-based technology provides enhanced security against fraud. -
Comprehensive Insurance Coverage:
- Personal Air Accident Insurance: Up to ₹25 lakh coverage
- Travel Insurance: Includes lost baggage (₹1 lakh), delayed baggage (₹25,000), loss of passport (₹50,000), lost ticket (₹25,000), and missed connection (₹25,000)
- Total Protect Program: Covers unauthorized transactions due to loss/theft reported within 48 hours
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- UPI Integration (RuPay Variant): Seamlessly link your Platinum RuPay Credit Card to UPI apps like BHIM, PhonePe, Paytm, and Google Pay for digital payments without carrying the physical card.
- Fuel Surcharge Waiver: Get 1% waiver on fuel transactions between ₹400-₹4,000 at all Indian petrol pumps, capped at ₹100-250 per billing cycle depending on variant.
- Add-On Cards: Get up to 5 add-on cards for family members at no extra cost, with same benefits including reward points and insurance coverage.
- Lifetime Free Option: Select variants (especially RuPay) have no joining or annual fees, making it cost-effective for long-term use.
- UPI Integration (RuPay Variant): The IndusInd Bank Platinum RuPay Credit Card stands out with its seamless integration with UPI platforms like BHIM, PhonePe, Paytm, and Google Pay. This allows cardholders to make digital payments without carrying the physical card, combining the convenience of UPI with credit card benefits. The process to link the card to UPI is straightforward: Open a UPI app. Select “Add Credit Card/Link Credit Card.” Choose IndusInd Bank as the issuer. Select the Platinum RuPay Credit Card. Generate a UPI PIN using an OTP. This feature caters to the growing preference for digital payments in India, making the card versatile for both online and offline transactions.
- Add-On Card Facility:The card supports up to five add-on cards for family members, who enjoy the same privileges as the primary cardholder, including access to the Total Protect program. Add-on cards are typically offered free of charge, with no additional annual fee, making this a cost-effective way to extend benefits to family members.
- Concierge Services: The Platinum Visa variant includes 24/7 Platinum Concierge services, assisting with: Pre-trip planning. Hotel and flight bookings. Sports and entertainment reservations. Exclusive event bookings (e.g., workshops, seminars). Flower and gift delivery worldwide. This feature enhances the card’s appeal for those seeking personalized assistance for travel and lifestyle needs.
- Lifetime Free Option: The IndusInd Bank Platinum Credit Card is available as a lifetime free card for certain variants (e.g., RuPay and select Visa/MasterCard options), meaning no joining or annual fees. However, some variants may have a joining fee of INR 3,000 (with no annual fee thereafter). This cost structure makes the card accessible to a broader audience, particularly those looking to avoid recurring fees.
- Flexible Redemption Options: The card’s reward points can be redeemed across multiple categories, including: Merchandise and Vouchers: Brands like JioMart, Zepto, Clovia, Wakefit, Amazon, Flipkart, and more. Travel: Air miles conversion for KrisFlyer, InterMiles, or Club Vistara. Cash Credit: Offset outstanding balances. Hotel Reservations: Vouchers for luxury hotels like The Postcard Hotels. The flexibility of redemption options ensures cardholders can tailor rewards to their preferences, whether for travel, shopping, or bill payments.
- Security Features: The card includes advanced security measures: Verified by Visa/MasterCard SecureCode: Ensures safe online transactions. EMV Chip Technology: Protects against skimming and fraud. Contactless Payment Security: Encrypted transactions for tap-and-pay purchases. These features provide cardholders with confidence in using the card across various platforms.
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- Travel Insurance: Comprehensive coverage including ₹25 lakh air accident and ₹1 lakh lost baggage protection provides peace of mind during travel.
- Digital Payments: The RuPay variant's UPI integration makes it ideal for India's cashless economy, allowing payments via QR codes or UPI IDs.
- Family Benefits: Up to 5 add-on cards extend rewards and insurance coverage to family members at no extra cost.
- Security Features: EMV chip and Total Protect program safeguard against fraud, while contactless payments offer both convenience and security.
- Flexible Redemption: Unlike cards with limited redemption options, Platinum Card points can be used for cash credit, shopping vouchers, or travel miles.
- Cost-Effective: Lifetime free variants provide premium features without annual fees, making it accessible to more customers.
- Wide Acceptance: As a Visa/MasterCard/RuPay product, the card is accepted at millions of merchants globally.
- Contactless Convenience: Faster checkouts at retail stores, restaurants, and transit hubs with tap-and-pay technology.
- No Expiry on Points: Reward points never expire, allowing cardholders to accumulate and redeem at their convenience.
- Variety of Options: Multiple network variants (Visa, MasterCard, RuPay) cater to different spending habits and preferences.
