Platinum Aura Edge Credit Card
Experience new-age shopping with a contactless card and unlimited privileges.
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- Platinum Aura Edge Credit Card
Key Features
Vouchers of top brands at time of joining.
Redeem reward points against cash credit.
1% fuel waiver up to Rs. 100 on Rs. 500–3,000 transactions.
Insurance Benefits
Lost Baggage: Rs. 1 Lakh.
Delayed Baggage: Rs. 25,000.
Loss of Passport: Rs. 50,000.
Lost Ticket: Rs. 25,000.
Missed Connection: Rs. 25,000.
Air Accident Insurance: Rs. 25 Lakh.
Reward Redemption
Convert reward points into KrisFlyer Miles at a value of 400 Reward Points = 100 KrisFlyer Miles.
Pay with rewards points for your purchases at partner merchants.
What is Platinum Aura Edge Credit Card?
The Indusind Platinum Aura Edge Credit Card is built for everyday spending without adding a yearly cost. It’s simple to manage, flexible in how you earn rewards, and it works well if you want one reliable Credit Card for regular use.
Why Choose IndusInd Platinum Aura Edge Credit Card?
Here are the reasons why you can choose the IndusInd Platinum Aura Edge Credit Card:
- You can align rewards with how you spend instead of adjusting your spending to the card
- No annual fee, so you can keep it long-term without worrying about extra cost
- Covers everyday categories like groceries, bills, and dining
- Basic travel perk with lounge access included
- Built-in protection against unauthorised transactions
Features & Benefits of IndusInd Platinum Aura Edge Credit Card
Here’s a clear look at what the Indusind Aura Edge credit card offers in day-to-day use:
| Feature | Details |
| Reward Plans | Choose from Shop, Home, Travel, or Party plans based on your spending |
| Reward Rate | Up to 4 reward points per ₹100 in selected categories |
| Lounge Access | 1 complimentary domestic lounge visit per quarter |
| Movie Benefit | 1 free ticket (up to ₹200) every 6 months via BookMyShow |
| Fuel Savings | 1% surcharge waiver on transactions between ₹400 and ₹4,000 |
| Railway Benefit | 1% surcharge waiver on IRCTC bookings |
| Insurance Cover | Air accident cover up to ₹25 lakh |
| Security | Protection against unauthorised transactions |
| Contactless Payments | Tap and pay for quicker small transactions |
Fees & Charges of IndusInd Platinum Aura Edge Credit Card
Before applying, it helps to know the cost side clearly:
| Charges Type | Details |
| Joining Fee | ₹500 (often waived on offers) |
| Annual Fee | Nil |
| Interest Rate | Up to around 46% per year |
| Late Payment Fee | Based on outstanding amount (slab-wise) |
| Foreign Markup | Around 3.5% |
| Cash Advance Fee | Around 2.5% or a minimum of ₹300 |
Reward Points & Cashback Value of IndusInd Platinum Aura Edge Credit Card
The value of 1 Reward Point is generally ₹0.40 when redeemed for cash credit.
- Spending Example: Suppose you are on the Shop Plan and spend ₹10,000 in a month at a Departmental Store.
- Points Earned: 4 points per ₹100 = 400 Reward Points.
- Monetary Value: 400 x ₹0.40 = ₹160.
If you spend the same amount on “Other Spends,” you earn 0.5 points per ₹100, resulting in 50 points worth ₹20.
Eligibility Criteria for IndusInd Platinum Aura Edge Credit Card
Here’s what most issuers check before approving your application:
- Age between 21 and 65 years
- Salaried or self-employed applicants
- Monthly income of around ₹20,000 or more
- Credit score close to 700 or above is usually preferred
Documents Required for IndusInd Platinum Aura Edge Credit Card
The standard set of documents required include:
- KYC: PAN, Aadhaar, recent photograph
- Income proof: Salary slips and bank statements
- Address proof: Utility bill, passport, or voter ID
How to Apply for IndusInd Platinum Aura Edge Credit Card?
You can apply for an IndusInd Platinum Aura Edge Credit Card through the Urban Money website:
- Visit the Urban Money website
- Go to the Credit Card section
- Choose IndusInd Bank Credit Cards.
- Browse and find the IndusInd Platinum Aura Edge credit card options
- Click on Enquire Now
- Enter your basic details like name, city and mobile number
- Complete OTP verification
Once done, a representative will connect with you to help take the process forward.
Pros and Cons of IndusInd Platinum Aura Edge Credit Card
Here’s a quick way to weigh where the card works well and where it doesn’t:
| Pros | Cons |
| No annual fee, easy to keep long-term | High interest rate if you don’t clear dues fully |
| Flexible reward plans based on spending | Limited movie benefit |
| Includes lounge access at no extra cost | Forex markup is on the higher side |
Who Should Get IndusInd Platinum Aura Edge Credit Card?
This Aura Edge credit card works best if you want something simple for daily use like groceries, bills, small spends without paying an annual fee. It also makes sense as a backup card alongside a more premium option.
Frequently Asked Questions (FAQs)
What are the benefits of IndusInd Platinum Aura Edge?
The main Indusind aura edge credit card benefits include flexible reward plans, grocery and utility rewards, lounge access, and no annual fee.
What is the fee of Aura Edge credit card?
There is a one-time joining fee of ₹500 in some cases, but no annual fee after that.
Does the IndusInd Aura Edge credit card provide lounge access?
Yes, you get one complimentary domestic lounge visit every quarter.
What is the reward rate on the IndusInd Platinum Aura Edge Credit Card?
The reward rate goes up to 4 points per ₹100 spent, depending on the plan you choose and the category you spend in.
Is the IndusInd Aura Edge Credit Card lifetime free?
In most cases, yes. While there may be a joining fee initially, the card usually comes with no annual or renewal charges.
Can I change the reward plan on the IndusInd Platinum Aura Edge Credit Card?
Yes, you can switch between reward plans like Shop, Home, Travel, or Party based on your changing spending habits.
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