Lifetime free
IndusInd Platinum Credit Card
A basic lifetime-free card with about 0.4% back on spends. Simple and free to keep, but with few extra benefits.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top rewardAbout 0.4% on spends
LoungeNone
Forex markup3.5%
Best for: People who want a free backup card with no fees.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Most spends | 1.5 points per ₹150 (about 0.4%) | – |
| Education, government, insurance, rent, utilities | 0.7 points per ₹150 | – |
| Fuel | Nothing | – |
- 1 point = ₹0.40 as cash credit (₹149 + GST fee).
Benefits
Welcome benefit
- No welcome benefit.
Milestones
- None.
Travel and lounges
- No lounge access.
Fuel and forex
- Forex markup 3.5%, plus 2% + GST on rupee payments to foreign merchants.
- 1% fuel surcharge waiver on ₹500 to ₹3,000, up to ₹100 a cycle.
Other perks
- Fraud cover
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Forex markup | 3.5% |
| Other fees | 1% + GST on fuel over ₹30,000 and transport over ₹40,000 a cycle |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried, self-employed or student
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee
- Simple to use
Watch out for
- Low rewards
- No lounges or offers
- Fees on high fuel and transport spends
Recent changes
- 15 Jun 2026Foreign merchant fee doubled to 2% + GST; new fee on high transport spends.
- 21 Dec 2025Free air accident insurance withdrawn.
Frequently asked questions
Is IndusInd Platinum free?
Yes, it has no joining or annual fee.
Ready to apply for the IndusInd Platinum Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.