IndusInd Bank
Platinum · Aura
IndusInd Aura Credit Card
IndusInd Bank
Platinum card with 5X entertainment rewards and 2X on other spends
Annual Fee
₹2,499
Joining Fee
₹2,499
Reward Rate
1.0%
Forex Markup
3%
Value Analysis
Annual Net Value
₹2,051
Total Annual Benefits
₹5,000
Total Annual Charges
₹2,949
ROI
70%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (2)
5X Reward Points on Entertainment
Earn 5X reward points on movies, concerts, and streaming platforms
- • Valid on entertainment
5X points
2X Reward Points on Other Spends
Earn 2X reward points on all other retail transactions
- • Valid on other retail spends
2X points
Movie Benefits (1)
Entertainment Benefits
Special offers on movie tickets and entertainment bookings
- • At partner platforms
Entertainment offers
Reward Program
Program
IndusInd Reward Points
5X on entertainment, 2X others
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via IndusInd Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.30)
Bonus Categories
Entertainment
5x multiplier
5X reward points on movies, concerts, streaming
Dining
2x multiplier
2X reward points on dining
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,499 Excluding GST |
| Annual Fee | ₹2,499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹20.0 L
Permanent Disability
₹20.0 L
Lost Card Liability
₹2.0 L
Report within 24h
Purchase Protection
₹2.5 L
90 days
- • Air accident cover: ₹20 Lakh
- • Purchase protection: ₹2.5 Lakh for 90 days
- • Lost card liability: ₹2 Lakh
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility 5X reward points on entertainment 2X reward points on other spends
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IndusInd Aura Credit Card is a premium Visa Platinum card offering 5X reward points on entertainment spends including movies, concerts, and stream...
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