IndusInd Bank Platinum Select Credit Card: Features & Benefits

Summary

The IndusInd Bank Platinum Select Credit Card is a high-end credit card that provides very good rewards and lifestyle benefits. It is, therefore, for those who are fond of shopping, dining, and traveling. The card awards 1.5 Reward Points for every ₹150 spent during weekdays and 2 Reward Points for every ₹150 spent on weekends, besides the fact that these points do not expire.

It provides lounge access free at selected domestic airports and discounts on movie tickets on BookMyShow for the travel enthusiast. There is also a 1% waiver on fuel surcharge at any petrol pump across India. Exclusive discounts are given on dining at top restaurants and shopping at premium outlets, thereby making dining and shopping more rewarding.

With various advanced security features and contactless payment options, transactions are fast and secure. The card is best suited to frequent diners, those who travel within India, and those seeking to get a maximum of rewards out of their spending. In short, the IndusInd Platinum Select Credit Card is an excellent option for anyone in search of a little luxury, some rewards, and savings.

Introduction

IndusInd Platinum Select Credit Card not only offers premium services but also comes with a host of security features that let you experience secure online transactions. The annual fee of the Platinum Select Credit Card is also quite low, and in many cases this fee can also be waived, making it a highly valuable option.

In today’s article, we will discuss in detail about IndusInd Platinum Select Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of IndusInd Bank Platinum Select Credit Card in this article 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 Select Credit Card?

Credit Card is a premium credit card designed for customers who want to earn the best rewards and perks on their everyday purchases, travel, dining, and entertainment. IndusInd Platinum Select Credit Card comes with a host of benefits and perks, making it a perfect choice for your financial needs.

With IndusInd Platinum Select Credit Card, you earn reward points on every transaction which you can later redeem for a host of great offers. Apart from this, the IndusInd Platinum Select Credit Card also offers you various travel and dining benefits such as dining discounts, special offers, etc.

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

The IndusInd Platinum Select Credit Card comes with a very stylish and premium design. It looks elegant, with a sleek finish, so it has a modern and professional feel. It has a metallic shine and an organized layout that makes it appealing to the eyes.

The logo and details of the bank are placed conveniently, making them easy to read. Overall, the card’s design is all about luxury and exclusivity in a classy style for those with a taste for it.

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

Here are some of the most important rewards with actual points:

Reward Points for Each Spend

• 1.5 Reward Points will be earned against every ₹ 150 spent between Monday to Thursday.

• 2 Reward Points will be earned against every ₹ 150 spent between Friday to Sunday

Travel & Entertainment Offers

• Free Access to lounges at select airports across India.

• Get a discounted ticket for films if booked using BookMyShow.

Fuel Surcharge Reimbursement

• 1% fuel surcharge waiver at Indian Petrol pumps

• 4. Dine-out & Shopping Coupons

• Special deals at sister restaurants and shopping malls.

No Expire on Reward Points

• Your points never expire. You can use them when you want to.

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

Here is a simple breakup of the  IndusInd Platinum Select Credit Card fees.

Joining Fee	₹999 + GST (one-time fee when you get the card).
Annual Fee	₹999 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card Fee	There are 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 Select Credit Card?

The following are the primary requirements:

1. To apply for the IndusInd Platinum Select 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 2 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 Select Credit Card?

The documents that you will have to submit to get a Platinum Select 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 Select Credit Card be used?

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

• With the IndusInd Platinum Select 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 IndusInd Platinum Select Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The IndusInd Platinum Select 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 Select Credit Card?

The credit amount you can spend is what you are provided with an Platinum Select 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 Select 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 Select Credit Card.

• Just hover your cursor on the IndusInd Platinum Select 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 IndusInd Platinum Select Credit Card.

• Request for the credit card application form of the IndusInd Platinum Select 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 IndusInd Platinum Select 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 Select Credit Card in 2025 be right?

Yes, getting an IndusInd Bank Platinum Select 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

IndusInd Platinum Select Credit Card is such a premium credit card that gives excellent benefits to customers. IndusInd Bank Platinum Select Credit Card is there for people who aspire to earn added benefits on every purchase made on regular day-to-day items as well as on travel, dining, and entertainment.

The biggest feature of the IndusInd Platinum Select Credit Card is that it offers you a variety of exclusive benefits such as dining discounts, and special travel benefits. Due to these benefits, the IndusInd Bank Platinum Select Credit Card is a better choice for those who travel frequently or want to maintain their lifestyle at a premium level.

The annual fee of the IndusInd Platinum Select Credit Card is pretty competitive, too, and is waived if you spend more than a certain amount. Thus, IndusInd Platinum Select Credit Card not only offers premium services but also makes sure that it doesn’t let the cost exceed its customers’ affordability.

Frequently Asked Questions (FAQ’s)