IndusInd Bank Platinum Aura Credit Card: Benefits & Apply

Summary

The IndusInd Bank Platinum Aura Credit Card is a lifestyle credit card where rewards and privileges are designed into your lifestyle by the IndusInd Bank. Available with a finish as sleek as platinum, which says sophistication, exclusivity, and style to one’s overall being, these rewards cards are offered to those with varied spending areas under categories such as shopping, dining, travel, and so forth.

Its best feature is the customizable rewards scheme, where users have a choice of selecting the kind of rewards plan that suits their spending habits and helps them maximize the benefits in specific categories. A fuel surcharge waiver is also available on the card, which helps in saving on fuel transactions across India.

Some other benefits also include exclusive discounts on dining, travel privileges where one gets discount coupons for savings on flights or even bookings, and complimentary insurance covering both travel and emergencies. Its major advantage is that the points it accumulates are never-ending; thus, one can utilize them anytime one wishes.

Introduction

IndusInd Bank Platinum Aura Credit Card is an excellent choice for individuals who pay special attention to their daily expenses and lifestyle. Platinum Aura Credit Card is specially designed for those customers who expect the best experience in shopping, travel, dining, and entertainment facilities.

The best part of the IndusInd Bank Platinum Aura Credit Card is that it allows you to earn reward points in different categories according to your needs and spending habits. Whether you are doing grocery shopping, filling petrol at the gas station, or traveling, you get good rewards in every category.

If you want to take your lifestyle to a better level and at the same time want to avail maximum rewards and facilities while keeping a check on your expenses, then the Platinum Aura Credit Card can prove to be a better option for you.

In today’s article, we will discuss in detail about Platinum Aura Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of Platinum Aura Credit Card and will also discuss in detail how to apply for it.

What is the IndusInd Bank Platinum Aura Credit Card?

The Credit Card is specifically available for customers with a taste of luxury, aimed at creating exclusive luxury along with lavish tastes. Here at IndusInd Bank, they offer great reward points along with exclusive travel insurance and access to a complimentary airport lounge.

In addition to this, the Credit Card also offers a fuel surcharge waiver and exclusive golf games. Platinum Aura Credit Card is ideal for those who are seeking premium services and exclusive facilities in their daily life.

How is the design of the IndusInd Bank Platinum Aura Credit Card?

In other terms, the card design of the IndusInd Bank Platinum Aura is sleek and stylized, while reflecting sophistication. It has a smooth metallic finish. It almost shines like real platinum, giving out a modern sophisticated look.

The card carries a minimalist look with the IndusInd Bank logo and the cardholder’s name embossed neatly. It gives an impression of premium quality and is ideal for those who always want a rich sheen to their cards.

What are the benefits of the IndusInd Bank Platinum Aura Credit Card?

Here are the main benefits:

1. Reward Points: Get points on every purchase, divided into shopping, travel, dining, and entertainment. You can redeem these points for vouchers, discounts, or other rewards.

2. Customized Rewards: Choose your reward plans according to your lifestyle. For instance, if you spend more on shopping or travel, you can get higher rewards in those categories.

3. Fuel Surcharge Waiver: Save on fuel transactions across India with a fuel surcharge waiver.

4. Travel Offers: Avail discounts and privileges on hotel bookings, flight tickets, and holiday packages.

5. Dining Privileges: Enjoy special deals and discounts at participating restaurants.

6. Insurance Benefits: Earn complimentary insurance for trip cancellations or interruptions, loss of luggage, and more.

7. No Expire Reward Points: Redeem your reward points at any time because they never expire.

What are the fees for the IndusInd Bank Platinum Aura Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IndusInd Bank Platinum Aura Credit Card?

The following are the primary requirements:

1. To apply for the Platinum Aura Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs.1.5 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for IndusInd Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an IndusInd Bank Platinum Aura Credit Card?

The documents that you will have to submit to get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IndusInd Bank Platinum Aura Credit Card be used?

Here is the list of places where you can use it:

• With the Platinum Aura Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Platinum Aura Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Platinum Aura Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IndusInd Bank Platinum Aura Credit Card?

The credit amount you can spend is what you are provided with a Platinum Aura Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an IndusInd Bank Platinum Aura Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IndusInd Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IndusInd Bank; for instance, you can choose the  IndusInd Bank Platinum Aura Credit Card.

• Just hover your cursor on the Platinum Aura Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IndusInd Bank branch to apply for the Credit Card.

• Request for the credit card application form of the Platinum Aura Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Platinum Aura Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IndusInd Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IndusInd Bank Platinum Aura Credit Card in 2025 be right?

Yes, getting an IndusInd Bank Platinum Aura Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

IndusInd Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The IndusInd Bank Platinum Aura Credit Card is ideal for all who want to enjoy a high-class lifestyle and earn more on their spending. Platinum Aura Credit Card gives wonderful reward points on your daily spending, along with excellent benefits on travel, dining, and entertainment.

Complimentary airport lounge access, travel insurance, and golf privileges also accompany the Credit Card. IndusInd Bank Platinum Aura Credit Card will not only help you make financial transactions easier but also make your life better and more comfortable in the making.

If you want a credit card that will make your life better and also let you enjoy a myriad of premium services, then the Platinum Aura Credit Card is a great choice for you.

Frequently Asked Questions (FAQ’s)