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Apply IndusInd Platinum Rupay Credit Card
Reward Type
Rewards
Joining Fee
Nil
Annual Fee
Nil
Features
- Earn 2 Reward Points on every Rs-100 spent on this card via UPI
- Earn 1 Reward Point for every Rs-100 spent on non-UPI transactions
- 1 Reward Point = Rs-0.35 as statement credit
- Waiver of 1% surcharge at any petrol pump across India*
- This waiver is applicable for all transactions between Rs- 400 to Rs- 4,000
Pricing
- Joining fees Rs. 0
- Annual fees Rs. 0
Documents Required
- Latest 2 months’ salary slip
IndusInd Platinum RuPay Credit Card is available on the RuPay network. This RuPay credit card is a reward-focused credit card that offers value across all transactions in the form of reward points. You can enjoy the benefits of a credit card along with the convenience of UPI, with the IndusInd Platinum RuPay credit card. You can link your credit card seamlessly across all UPI apps, including BHIM, Google Pay, PhonePe, and others. This UPI-linked credit card offers additional benefits, including fuel surcharge waivers, travel insurance, and fraud protection coverage.
Key Highlights of IndusInd Platinum RuPay Credit Card
- Earn 2 reward points for every Rs. 100 spent through UPI.
- Earn 1 reward point for non-UPI transactions with flexible redeemable options.
- Earn Re. 0.70 for every Rs. 100 on merchant transactions.
- No Joining Fee/No Renewal Fee
- Fuel transactions will not attract reward points.
- Reward points will be earned only for spending within assigned limits.
- 1% Fuel surcharge waiver
IndusInd Platinum RuPay Credit Card Features
Travel Insurance Coverage Details
| Details | Amount |
|---|---|
| Lost Baggage | Rs.1,00,000 |
| Delayed Baggage | Rs.25,000 |
| Loss of Passport | Rs.50,000 |
| Lost Ticket | Rs.25,000 |
| Missed Connection | Rs.25,000 |
Fuel Surcharge Waiver
- Offers a fuel surcharge waiver of 1% across all the petrol pumps across the country with the maximum spending not exceeding Rs.4,000.
Platinum Assurance
Under the Platinum Assurance, the cardholder will get the following coverage:
- Total Protect Program: Total Protect is a pioneering program that offers comprehensive coverage up to your credit card limit. This will also extend to the add-on cards.
- With this insurance, you will not have to worry about any fraudulent transactions being performed. Coverage Includes:
- Unauthorized use of the card is reported within 48 hours of loss of the card.
- Card or card details are stolen to create a counterfeit plastic card.
Complimentary Air accident coverage of Rs. 25 Lakhs.
IndusInd Platinum RuPay Credit Card Fees and Charges
The following table enlists the details of the IndusInd Platinum RuPay Credit Card Fees and Charges. They are:
| Details | Fees |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | Nil |
| Interest Rate | 3.95% monthly |
| Over limit charges | 2.5% of the over-limit amount |
| Cash Payment Fee | Rs.100 |
| Balance Enquiry Charges | Rs.25 |
| Duplicate Physical Statement Request | Rs.100 per statement cycle |
IndusInd Platinum RuPay Credit Card Eligibility
The following is the list of general eligibility criteria for the IndusInd Platinum RuPay credit card.
- Primary cardholder age: 21 years to 60 years of age.
- Applicants should be salaried or self-employed with a verified income.
- The minimum monthly income for salaried professionals should be Rs. 20,000.
- The minimum monthly income for self-employed professionals should be Rs. 25,000.
- A good credit score is required for credit card approval.
Documents Required
The following is the list of documents that are required for the IndusInd Platinum RuPay Credit Card. They are:
- ID Proof: Passport/Voters ID/Aadhar Card/Driving License/PAN Card
- Address Proof such as Aadhar Card, Utility Bills, Rental Agreement, Passport, or Voter's ID Card.
- Income Proof: Salary Slips/ Income Tax Returns/Bank Statements/Form 16
Apart from the above documentation,
- Self-employed individuals need to provide business financial statements and profit and loss statements.
- Salaried individuals are required to provide a letter from their employer confirming employment and salary details whenever requested.
- Recent passport-size photographs
- A completed, signed application form is required.
How to Apply for IndusInd Platinum RuPay Credit Card
The following are the general steps given to apply for the IndusInd Platinum RuPay credit card.
- Visit the official IndusInd Bank website and navigate to the cards section.
- Select the Platinum RuPay Credit Card, if it is currently available for application.
- Click Apply Now and provide the requested details.
- Enter your PAN and mobile number and complete the verification process.
- Submit the required KYC and income documents, if requested.
- Review the information and submit the application.
- The bank will assess your application and may contact you for additional verification.
- If approved, the card will be issued and delivered according to the bank's applicable process.
Advantages and Disadvantages of IndusInd Platinum RuPay Credit Card
Advantages
- No Joining Fee/Annual Fee: The card does not have any joining fee or annual fee
- Higher Rewards on UPI Transactions: You earn 2 reward points for every Rs. 100 spent on the credit card.
- Enjoy a 1% fuel surcharge waiver at all fuel stations in India.
- Receive complimentary travel insurance and strong fraud protection.
- Link your credit card directly with UPI apps.
Disadvantages
- Limited Premium Perks: Unlike many high-end cards, you do not receive any premium benefits, such as airport lounge access or lifestyle benefits.
- High Interest Rate: If you have a balance on your credit card, it will incur a high interest rate.
- Redemption Limitations: The card has limited reward redemption options.
FAQS
1. What is the IndusInd Platinum RuPay credit card?
The IndusInd Platinum RuPay credit card provides a blend of lifestyle, travel, and reward benefits. It also enables seamless digital payments through the RuPay network.
2. Name some benefits that the IndusInd Bank Platinum RuPay credit card offers for credit card transactions.
No Joining or Annual Fee, Fuel surcharge waivers, Travel insurance and security, and higher rewards on UPI transactions are some of the benefits that come with the IndusInd Bank Platinum RuPay credit card.
3. List some reward benefits that come with UPI payments made through the IndusInd Platinum RuPay credit card.
Some reward benefits include 2 reward points for every Rs. 100 UPI payment made.
4. Is there any fuel surcharge waiver associated with the IndusInd Platinum RuPay credit card?
The IndusInd Platinum RuPay credit card comes with a 1% fuel surcharge waiver.
5. How can I make payments using the IndusInd Platinum RuPay credit card and UPI?
Use popular UPI apps like Google Pay, BHIM, PhonePe, or PayTm to link your card and follow a straightforward process.
6. Can I make use of my IndusInd Platinum RuPay credit card to make international purchases?
Yes. You can use the IndusInd credit card to make international purchases; however, a foreign exchange markup fee of 3.5% will be applied to these transactions.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Given that this type of data may change over time, we cannot guarantee the accuracy of the information supplied or included within it. It is anticipated that the user will confirm with the relevant source before making any choices or taking any actions.
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