Lifetime free
IndusInd Platinum Aura Edge Credit Card
A lifetime-free card where you pick a plan (Home, Shop, Travel or Party) and earn about 1.6% back in that plan’s category.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top reward4 points per ₹100 in your chosen plan
LoungeNone
Forex markup3.5%
Best for: People who spend mostly in one area, such as groceries or eating out, and want a free card.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Your plan: groceries (Home), department stores (Shop), restaurants (Party) or hotels (Travel) | 4 points per ₹100 (about 1.6%) | – |
| Airline tickets on the Travel plan | 2.5 points per ₹100 | – |
| Spends outside your plan | 0.5 point per ₹100 (about 0.2%) | – |
| Fuel | Nothing | – |
- 1 point = about ₹0.40 as cash credit.
- You can change plan after six months for ₹250.
Benefits
Welcome benefit
- No welcome benefit listed.
Milestones
- None.
Travel and lounges
- No lounge access.
Fuel and forex
- Forex markup 3.5%.
- 1% fuel surcharge waiver on ₹500 to ₹3,000, up to ₹100 a cycle.
Other perks
- Fraud cover up to your credit limit
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Interest | 3.95% a month |
| Forex markup | 3.5% |
| Redemption fee | ₹149 + GST for cash; ₹100 for others |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
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
- 1.6% in one category you choose
Watch out for
- Very low rate outside your plan
- Redemption fees
- No lounges
Recent changes
- 15 Jun 2026Foreign merchant fee doubled; new fees on high fuel and transport spends.
Frequently asked questions
Which Aura Edge plan should I pick?
Pick Home if groceries are your biggest spend, Party for restaurants, Shop for department stores, or Travel for hotels.
Ready to apply for the IndusInd Platinum Aura Edge 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.