Summary
The IndusInd Bank Platinum Credit Card is a versatile and rewarding option for those who want to enjoy a premium lifestyle. Its sleek and elegant design complements its numerous benefits, making it a popular choice among cardholders.
Main benefits: Reward points on every spend—2 points for every ₹ 100 spent at dining, grocery, and fuel, and 1 point for every ₹ 100 spent elsewhere. Reward points can be redeemed for shopping travel or gift vouchers. The card also comes with welcome benefits such as bonus points or gift vouchers, for onboarding new users.
Frequent travelers will like the fuel surcharge waiver and lounge access on a complimentary stay. It would be interesting to eliminate costs while enhancing comfort while traveling. Additionally, contactless payment technology makes cardholders’ efforts to make purchases fast and hassle-free for small spending.
Introduction
A credit card, nowadays, is not just a mode of payment, but it also adds more financial freedom in the current scenario. Therefore, in this aspect, the IndusInd Bank Platinum Credit Card is the best choice for people. The IndusInd Bank Platinum Credit Card has been specifically designed for people who want to handle their expenses intelligently, and, at the same time, seek a host of facilities and advantages.
The cashback, reward points, and travel benefits make IndusInd Bank Platinum Credit Card different from other credit cards. Not only does it give you benefits in everyday transactions, but special offers on shopping, dining, travel, and entertainment are also available through IndusInd Bank Platinum Credit Card.
Other than that, the Platinum Credit Card offers you the facility of getting a fuel surcharge waiver, airport lounge access, and insurance cover, which is even more excellent. Now, if it’s a premium and rewarding experience that you are seeking, then the IndusInd Bank Platinum Credit Card is an excellent choice for you. With the services offered by Credit Card, you not only become easy in fulfilling your financial requirements but also bring a new dimension to your lifestyle.
In today’s article, we are going to discuss in detail about Platinum 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 Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.
What is the IndusInd Bank Platinum Credit Card?
Credit Card is a premium credit card available with IndusInd Bank to customers who want to get the best benefits and convenience on their spending. The Platinum Credit Card does not only offer you the benefit of everyday shopping, dining, and traveling but comes with a host of exciting offers and reward points.
Platinum Credit Card has been designed especially for customers who want to manage their everyday spending as well as reap additional benefits. With the Credit Card, you are eligible to gain exclusive reward points in shopping, travel, dining, and entertainment which can be redeemed in so many ways.
How is the design of the IndusInd Bank Platinum Credit Card?
The Credit Card is made with a sleek and elegant design plus a modern touch. The simplicity gives off an upscale, however, sophisticated look of the card, usually done in a mix of dark colors like blue or black, possessing a metallic finish.
It displays its logo at the front and holds the card number, name, and other details sequentially to highlight the identity with ease. Contactless payment technology has also been integrated to maximize convenience. However, it caters to only those who pursue functionality as much as aesthetic designs.
What are the benefits of the IndusInd Bank Platinum Credit Card?
Some of the key benefits are as follows:
- Reward Points: With each purchase, you can collect reward points, redeemable for many things or even actual benefits like travel. For instance, about dining, groceries, and fuel, you get 2 reward points for every ₹100 spent, whereas in other categories, you get 1 reward point for every ₹100 spent.
- Welcome Benefits: New cardholders receive welcome gift vouchers or bonus reward points, which therefore add value from the get-go.
- Fuel Surcharge Waiver: You have your fuel surcharge waived at the petrol stations, thus making it a great choice for frequent travelers.
- Contactless Payments: The card allows for quick, easy contactless payments for small transactions, making your purchases smoother.
- Exclusive Offers: Cardholders are entitled to special offers and discounts on dining, shopping, and online purchases with partner merchants.
- Travel Perks: You enjoy travel-related benefits such as air miles, discount options on hotel bookings, and more.
- Lounge Access: You are given complimentary access to some airport lounges, so traveling will be much more comfortable.
What are the fees for the IndusInd Bank Platinum Credit Card?
Here is a simple breakup of the Credit Card fees.
Joining Fee | NIL |
Annual Fee | NIL |
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 Credit Card?
The following are the primary requirements:
- To apply for the IndusInd Bank Platinum Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.2 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- 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.
- You must be an Indian resident and have valid address proof within the country.
- 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.
- 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 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 Credit Card be used?
Here is the list of places where you can use it:
- With the Platinum 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.
- The Platinum 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 Credit Card?
The credit amount you can spend is what you are provided with a 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.
How do you apply for an IndusInd Bank Platinum 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 Platinum Credit Card.
- Just hover your cursor on the Platinum 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 Platinum Credit Card.
- Request for the credit card application form of the Platinum 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 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 Credit Card in 2025 be right?
Yes, getting an IndusInd Bank Platinum 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
With a platinum credit card from IndusInd Bank, it is not just any ordinary piece of plastic money; instead, it makes your life better and easier. IndusInd Bank Platinum Credit Card not only lets you pay for your daily expenses, travel, shopping, and so on, but also confers fantastic savings on spending Bank Platinum Credit Card gives you reward points, cash back, and special discounts on spending.
Credit Card is ideal for those wanting to enjoy the premium lifestyle with more value for every spend. Moreover, features like airport lounge access, fuel surcharge waiver, and insurance coverage make it even more special, making travel more comfortable and secure.
Frequently Asked Questions (FAQ’s)
Ans: Credit card has zero amount as an annual fee.
Ans: Reward points can be enjoyed through shopping, traveling, or in restaurants. This can be acquired from IndusInd Bank store partners or whilst shopping online.
Ans: With the Credit Card, you can enjoy a fuel surcharge waiver at several petrol pumps across the country.
Ans: Yes, the Credit Card offers free lounge access at the airports. This facility makes your domestic and international journey more comfortable.
Ans: Credit Card offers you personal accident insurance coverage. The insurance plan is designed to provide you with financial assistance in case of an accident.