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Features of IndusInd Bank Platinum Aura Edge Credit Card

  • Contactless Payment Technology:
    The IndusInd Bank Platinum Aura Edge Credit Card features NFC-enabled contactless payments for swift, secure transactions. Simply tap your card at merchant terminals (up to ₹2000 per transaction) for instant payments without swiping or inserting the card. This technology reduces fraud risk while offering convenience at retail stores, cafes, and transit systems.
  • Flexible Reward Plans:
    Choose from four tailored reward plans - Shop, Home, Travel, or Party - to maximize points on your most frequent spending categories. Earn up to 8X reward points (4 points per ₹100 on groceries, 2 points on electronics) based on your selected plan. Points never expire and can be redeemed for cash, airline miles, or merchant payments.
  • Lifetime Free Benefits:
    Enjoy zero joining or annual fees forever, making this card cost-effective for long-term use. Unlike cards that waive fees only for the first year, the Platinum Aura Edge maintains its no-fee structure indefinitely, ideal for budget-conscious users or first-time cardholders.
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    • Fuel Surcharge Waiver: Get 1% waiver on fuel transactions between ₹500-₹3000 at all Indian petrol pumps, capped at ₹100 per billing cycle. This benefit automatically applies at point-of-sale, reducing fuel costs for regular commuters.
    • Comprehensive Insurance Coverage: The Total Protect program includes travel insurance (up to ₹25 lakh air accident cover, ₹1 lakh lost baggage) and fraud protection. Coverage extends to add-on cardholders, providing peace of mind during trips or unauthorized transactions.
    • Interest-Free Credit Period: Enjoy up to 50 days interest-free on purchases when paying your full balance by the due date. This flexible payment window helps manage cash flow without incurring finance charges (standard rate: 3.95% monthly post-free period).
    • EMI Conversion: Convert high-value purchases into easy EMIs at 1.1% monthly interest (13.2% annually) with zero processing fees. This feature is ideal for spreading out payments on electronics, appliances, or travel expenses.
    • Welcome Vouchers: New cardholders receive instant benefits through Vouchagram - discounts from Amazon, Flipkart, Big Bazaar, Zee5, Uber, and more. These brand-specific offers provide immediate value upon card activation.
    • Global Acceptance: Use your card at 10+ lakh Indian merchants and 30+ million outlets worldwide, with contactless support. The 3.5% forex markup fee applies to international transactions, competitive with similar entry-level cards.
    • Movie Ticket Offers: Get one complimentary BookMyShow ticket (up to ₹200 value) every six months - a perfect perk for entertainment lovers to enjoy cinema outings at discounted rates.
    • Chip-Based Security: EMV chip technology protects against skimming and counterfeit fraud, especially valuable for online transactions. Combined with the Total Protect program, it offers robust financial security.
    • Customizable Credit Limit: Initial limits range ₹30,000-₹1.5 lakh based on income and credit profile. Responsible usage can lead to limit increases over time, making it scalable for growing financial needs.
    • Add-On Cards: Share benefits with up to 5 family members through free add-on cards. Each card earns reward points and maintains the primary card's security features, ideal for household expense tracking.
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Benefits of IndusInd Bank Platinum Aura Edge Credit Card

  • 1. Cost Savings & Financial Flexibility:
    • Lifetime Free: No joining/annual fees forever, unlike cards with recurring charges after first year.
    • Fuel Waiver: 1% surcharge waiver on ₹500-₹3000 fuel transactions (₹100/month cap).
    • 50-Day Interest-Free: Pay no interest if full balance cleared within grace period.
    • Low-Cost EMIs: Convert purchases to EMIs at 1.1% monthly interest (zero processing fees).
  • 2. Lifestyle & Shopping Perks:
    • Accelerated Rewards: Earn up to 8X points in your chosen category (Shop/Home/Travel/Party Plan).
    • Welcome Vouchers: Instant discounts from Amazon, Flipkart, Zee5, Uber, and more.
    • Movie Tickets: Complimentary BookMyShow ticket (₹200 value) twice yearly.
    • Global Usage: Accepted at 30M+ outlets worldwide with contactless convenience.
    • Travel Protection: Comprehensive insurance covers air accidents (₹25 lakh), lost baggage (₹1 lakh), passport loss (₹50k), and missed connections (₹25k) - valuable for domestic/international trips.
    • Never-Expiring Points: Accumulate reward points indefinitely without redemption deadlines, allowing strategic point usage for maximum value in cash credit (₹0.40/point) or air miles.
    • Family Sharing: Five free add-on cards let family members earn rewards while you monitor all spending through a single statement - great for household budgeting.
    • Digital Management: Track transactions, rewards, and bills in real-time via IndusMobile app or IndusNet banking, with alerts for payments and suspicious activity.
    • First-Time User Friendly: Relaxed eligibility (₹3L annual income, 750+ credit score) and modest ₹30K-₹1.5L initial limits make it accessible for credit newcomers.
    • Security: Chip+PIN protection, 24/7 fraud monitoring, and ₹0 liability on reported unauthorized transactions provide financial safety.
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How to Apply for IndusInd Bank Platinum Aura Edge Credit Card

  • Online Application: Visit IndusInd website → Credit Cards → Platinum Aura Edge → Apply Now.
  • Check Eligibility: Enter PAN, mobile number, and income details for pre-approval check.
  • Digital Process: Complete 100% digital application with Video KYC (no branch visit).
  • Document Upload: Submit scanned PAN, Aadhaar, address proof, and income documents.
  • Verification: Respond to bank's verification call within 48 hours for faster processing.
  • Alternate Application Methods:
    • Branch Visit: Apply at any IndusInd branch with physical documents and passport photos.
    • Third-Party Platforms: Apply via BankBazaar, Paisabazaar, or other financial aggregators.
  • Tips for Smooth Approval:
    • Maintain credit score above 750 before applying.
    • Ensure income documents show consistent ₹25,000+ monthly earnings.

Eligibility Criteria for IndusInd Platinum Aura Edge Credit Card

  • 1. Age Requirements
    • Primary Applicant: 21-65 years
    • Add-on Cardholders: Minimum 18 years
  • 2. Income Requirements
    • Minimum Annual Income: ₹3 lakh (₹25,000/month)
    • Higher income improves approval chances and credit limit
  • 3. Credit Profile
    • CIBIL Score: 750+ preferred
    • Clean repayment history with no recent defaults
  • 4. Employment Status
    • Salaried or self-employed with stable income source
    • 6+ months employment/business continuity preferred
  • 5. Residency
    • Must be Indian resident with verifiable address
    • NRIs may apply with additional documentation
  • 6. Existing Banking Relationship
    • Not mandatory but improves approval odds
    • Existing IndusInd customers may get pre-approved offers
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Documents Required for IndusInd Platinum Aura Edge Credit Card

  • 1. Identity Proof (Any One):
    • PAN Card: Mandatory for all financial applications in India
    • Aadhaar Card: Preferred for quick verification with QR code
    • Passport: Valid for both identity and address proof
    • Voter ID: Issued by Election Commission with photo
    • Driving License: RTO-issued with current address
  • 2. Address Proof (Any One):
    • Aadhaar Card: If address matches current residence
    • Utility Bills: Recent (last 2 months) electricity, gas, or landline bill
    • Bank Statement: From another bank showing transactions and address
    • Rental Agreement: Registered agreement with utility bill proof
    • Property Tax Receipt: For homeowners with current year payment
  • 3. Income Proof:
    • Salaried Individuals:
      • Last 3 months' salary slips showing deductions
      • 6 months' bank statement highlighting salary credits
      • Form 16 from employer (if available)
    • Self-Employed:
      • Last 2 years' ITR with computation of income
      • Profit/Loss statements and balance sheets
      • 6 months' business bank statements
      • Business registration/license documents
  • 4. Photographs: Two recent passport-size color photographs with white background. For online applications, a clear digital photo may be required during Video KYC process.

Factors Affecting Eligibility for Platinum Aura Edge Card

  • 1. Credit Score: Applications with 750+ scores get priority approval. Scores below 700 or recent defaults (past 6 months) may lead to rejection.
  • 2. Income Stability: Consistent ₹25,000+ monthly income for 6+ months is preferred. Irregular income (e.g., freelancers) may need additional documentation.
  • 3. Employment History: Frequent job changes (<6 months at current employer) can raise concerns. Self-employed applicants need 2+ years business continuity.
  • 4. Debt-to-Income Ratio: Maintain DTI below 40%. High EMIs (home/car loans) reduce disposable income and approval chances.
  • 5. Credit Utilization: Keep existing card usage below 30% of limits. Maxed-out cards signal financial stress to lenders.
  • 6. Recent Credit Inquiries: Multiple loan/credit applications in past 3 months can temporarily lower your score.
  • 7. Card Portfolio: Holding 4+ credit cards may trigger exposure limits unless older cards are closed.
  • 8. Employer Profile: Applicants from established companies/MNCs often get faster approvals than small business employees.
  • 9. Banking Relationship: Existing IndusInd account holders (6+ months) may receive pre-approved offers with higher limits.
  • 10. Address Stability: Frequent address changes in past year may require additional verification steps.
  • Improvement Tips:
    • Pay all credit bills on time for 6+ months to boost score
    • Reduce outstanding balances below 30% of limits
    • Avoid new credit applications 3-6 months before applying
    • Maintain stable employment/business income records

Frequently Asked Questions (FAQs) – IndusInd Bank Platinum Aura Edge Credit Card

1. What are the key features of the IndusInd Platinum Aura Edge Credit Card?
Cashback on all spends (1–3%), fuel surcharge waiver, dining/shopping/entertainment discounts, reward points, complimentary airport lounge access, and flexible reward plans (Shop/Home/Travel/Party) to maximize points in your preferred category.
2. What is the joining fee and annual fee for this card?
This is a lifetime free card—no joining fee and no annual fee—making it one of the most cost-effective entry-level cards in India.
3. How can I apply for the IndusInd Platinum Aura Edge Credit Card?
Online: Via IndusInd Bank’s website
Mobile App: Through the IndusMobile application
Branch: Visit any IndusInd Bank branch with KYC documents
Aggregator: Through platforms like BankBazaar or Paisabazaar
Online applications often receive instant approval, subject to verification.
4. What is the interest rate on unpaid dues?
Interest is charged at 3%–3.5% per month (36%–42% p.a.) on outstanding balances after the interest-free period. Full payment within 50 days avoids interest. EMIs are available at lower monthly rates (around 1.1%).
5. Does this card offer any fuel surcharge waiver?
Yes, it provides a 1% fuel surcharge waiver on transactions between ₹500–₹3,000 at all petrol pumps across India, up to ₹100 per billing cycle, automatically applied at POS.
6. How can I redeem reward points earned on this card?
Redeem via the IndusInd Rewards portal or mobile app:
• Cash Credit: 1 point = ₹0.40
• Merchant Vouchers: 1 point = ₹0.50–0.60 (Amazon, Flipkart, etc.)
• Air Miles: Convert to airline loyalty programs
• Bill Payments: Offset up to 25% of merchant bills
7. Is there any cash withdrawal limit on this card?
Cash advances are typically limited to 20–40% of your credit limit. A 2.5% fee (minimum ₹300) applies per withdrawal, and interest (3.5% monthly) is charged from the transaction date.
8. Does the card provide airport lounge access?
Yes, complimentary lounge access is provided 2–4 times per quarter at select domestic and international lounges, subject to terms and conditions.
9. What credit limit can I expect?
Credit limits vary based on income, credit score, and bank policies, typically starting from ₹50,000 upwards for eligible applicants.
10. Can I convert purchases into EMIs with this card?
Yes, you can convert eligible transactions into EMIs at partner merchants or via customer care/netbanking, at competitive interest rates.

List of IndusInd Bank Platinum Aura Edge Credit Card Branches in Andhra Pradesh

  • GUDIVADA - GUDIVADA
  • GUNTUR - GUNTUR
  • GUNTUR - KOTHAPET GUNTUR
  • KADAPA - KADAPA
  • KOTHAVALASA - KOTHAVALASA
  • KURNOOL - KURNOOL
  • MVP COLONY (VISAKHAPATNAM) - MVP COLONY BRANCH
  • NAKKAPALLE - NAKKAPALLI
  • NANDYAL - NANDYAL
  • NARASARAOPET - NARASARAOPET
  • NIDADAVOLE - NIDADAVOLE