IndusInd Bank Platinum Aura Credit Card

The Platinum Aura Credit Card from IndusInd Bank is a multifaceted financial instrument crafted to enhance both the financial and lifestyle journeys of its cardholders. This credit card offers an array of exclusive privileges, including access to premium airport lounges, dining and entertainment offers, and discounts on hotel bookings. With a strong emphasis on rewards, cardholders can accumulate reward points on their everyday transactions, which can be redeemed for travel vouchers, merchandise, and more. The card also provides a transparent fee structure, fuel surcharge waivers, and convenient EMI conversion options, making it a valuable addition to the wallets of those seeking both convenience and luxury in their financial journey.

Key Highlights of IndusInd Bank Platinum Aura Credit Card:

  1. Lifestyle Privileges: Enjoy a host of exclusive lifestyle benefits, including access to airport lounges, dining offers at select restaurants, discounts on hotel bookings, and access to premium events and experiences.
  2. Reward Points Program: Earn reward points on every transaction, allowing you to accumulate points rapidly. These points can be redeemed for a variety of rewards, including travel vouchers, merchandise, and more.
  3. Fuel Surcharge Waiver: Benefit from fuel surcharge waivers at participating petrol stations, helping you save on fuel expenses.
  4. Transparent Fee Structure: The card’s fee structure is transparent, ensuring that cardholders are aware of charges such as annual fees and interest rates.
  5. Contactless Payment: The card may support contactless payments, offering a secure and convenient way to make transactions.
  6. Global Acceptance: Embraced by users at home and abroad, the card offers seamless transactions, whether you’re shopping domestically or internationally.
  7. Flexible Payment Options: The card offers convenient payment options, including EMI conversion, making it easier to manage your finances.
  8. Complimentary Insurance: Benefit from complimentary insurance coverage, such as travel insurance and purchase protection, providing added security.
  9. Dedicated Customer Support: Access dedicated customer support services to address queries, concerns, or assistance with card-related matters.
  10. Additional Features: Depending on the specific variant of the card, there may be additional features and benefits, such as discounts on movie tickets or access to exclusive events.

Features and Benefits of IndusInd Bank Platinum Aura Credit Card

The Platinum Aura Credit Card from IndusInd Bank provides a diverse array of advantages and perks crafted to elevate the financial and lifestyle journeys of its users. Below are several notable characteristics and benefits it offers:

1. Lifestyle Privileges:

  • Enjoy exclusive lifestyle benefits, including access to premium airport lounges, dining discounts at select restaurants, and special offers on hotel bookings, adding a touch of luxury to your everyday experiences.

2. Reward Points Program:

  • Earn reward points on every transaction, allowing you to accumulate points quickly. These points can be redeemed for a variety of rewards, including travel vouchers, merchandise, and more.

3. Fuel Surcharge Waiver:

  • Benefit from fuel surcharge waivers at participating petrol stations, helping you save on fuel expenses.

4. Transparent Fee Structure:

  • The card’s fee structure is transparent, ensuring that cardholders are aware of charges such as annual fees and interest rates.

5. Contactless Payment:

  • The card may support contactless payments, offering a secure and convenient way to make transactions.

6. Global Acceptance:

  • Widely accepted both in India and abroad, the card provides convenience for domestic and international transactions.

7. Flexible Payment Options:

  • Enjoy the flexibility of convenient payment options, including EMI conversion, making it easier to manage your finances.

8. Complimentary Insurance:

  • Benefit from complimentary insurance coverage, such as travel insurance and purchase protection, providing added security for your purchases and travels.

9. Dedicated Customer Support:

  • Access dedicated customer support services to address queries, concerns, or receive assistance with card-related matters.

10. Additional Features:

  • Depending on the specific variant of the card, you may also receive additional features and benefits, such as discounts on movie tickets or access to exclusive events.

IndusInd Bank Platinum Aura Credit Card Fees and Charges

  1. Joining Fee: Rs. 500
  2. Annual Fee: Not Applicable
  3. Annual Interest Rate: 46%
  4. Savings Plan Change Fee: Rs. 250
  5. Add-on Card Charge: None
  6. Overlimit Charges: 2.5% of the overlimit amount, with a minimum of Rs. 500
  7. Cash Advance Charges: 2.5% of the advance amount, with a minimum of Rs. 300
  8. Returned Cheque Fee: Rs. 250
  9. Late Payment Charges:
  • If outstanding balance is up to Rs. 100 – None
  • Between Rs. 101 and Rs. 500 – Rs. 100
  • Between Rs. 501 and Rs. 1,000 – Rs. 350
  • Between Rs. 1,001 and Rs. 10,000 – Rs. 550
  • Between Rs. 10,001 and Rs. 25,000 – Rs. 800
  • Between Rs. 25,001 and Rs. 50,000 – Rs. 1,100
  • Above Rs. 50,000 – Rs. 1,300

Eligibility criteria for the IndusInd Bank Platinum Aura Credit Card

  • Age Eligibility:
    Between 21 and 60 years of age
  • Occupation:
    Individuals who receive a salary and those who work for themselves both meet the criteria to submit an application.
  • Minimum Income Requirement:
    A minimum monthly income of Rs. 20,000 is required
  • Serviceable Cities:
    For a list of eligible cities, please refer to the provided link
  • Required Documents:
    To view the list of acceptable documents, please click on the provided link

Documents Required for IndusInd Bank Platinum Aura Credit Card

1. Proof of Address:

  • Ration Card
  • Aadhaar Card
  • Voter ID

2. Identity Proof:

  • Voter ID
  • Aadhaar Card
  • Driving Licence

3. Income Proof:

  • Salary Slip
  • Form 16
  • IT Returns

How to apply for IndusInd Bank Platinum Aura Credit Card

1. Visit the Official Website:

  • Visit the designated online platform of IndusInd Bank.

2. Navigate to Credit Cards:

  • Look for the “Credit Cards” or “Apply for a Credit Card” section on the website. Click on it.

3. Explore Card Options:

  • Browse through the available credit card options and locate the “IndusInd Bank Platinum Aura Credit Card” among the choices.

4. Review Card Details:

  • Select the card to explore its offerings, advantages, costs, and qualification conditions. Verify that it aligns with your needs.

5. Initiate the Application:

  • Once you’ve made the decision to apply for the card, seek out the “Apply Now” or “Apply Online” option and give it a click.

6. Provide Personal Information:

  • You will be asked to provide personal information such as your name, contact details, date of birth, and PAN card number. Fill in these details accurately.

7. Income and Employment Information:

  • Submit your income and employment details as required. This may include your annual income, employment type (salaried or self-employed), and company name (if applicable).

8. Upload Documents:

  • You will likely need to upload scanned copies of documents such as your PAN card, Aadhaar card, photographs, income proof (salary slips, bank statements, or ITR), and address proof (such as Aadhaar card or utility bills).

9. Review and Submit:

  • Carefully review the information you’ve entered and the documents you’ve uploaded. Make any necessary corrections.

10. Submit the Application:

  • After reviewing and confirming your application, submit it online.

11. Application Processing:

  • The bank will review your application, potentially conducting a credit assessment and verifying the documents you’ve submitted.

12. Application Status:

  • You can track the status of your application online through the bank’s website or by contacting the bank’s customer service.

13. Receive the Card:

  • If your application is approved, the bank will dispatch your IndusInd Bank Platinum Aura Credit Card to your registered address.

Frequently Asked Questions (FAQs) –

1. What distinguishable attributes does the IndusInd Bank Platinum Aura Credit Card possess?

The IndusInd Bank Platinum Aura Credit Card offers a range of features, including reward points, complimentary airport lounge access, exclusive discounts, and more. Check the official website or contact the bank for the most up-to-date information on the card’s features.

2. What’s the procedure for obtaining the IndusInd Bank Platinum Aura Credit Card?

To obtain the IndusInd Bank Platinum Aura Credit Card, you have a few convenient options. Firstly, you can complete the application online via the official IndusInd Bank website. Alternatively, you have the choice to visit a nearby branch in person or reach out to the bank’s customer service for guidance throughout the application procedure.

3. What is the eligibility criteria for this credit card?

Eligibility criteria may vary, and it’s advisable to check with the bank for the most accurate and up-to-date information. Generally, eligibility depends on factors such as age, income, employment status, and credit history.

4. Could you provide information about the yearly costs and additional charges linked to the Platinum Aura Credit Card?

The annual fees, as well as other charges, can be found in the terms and conditions provided by IndusInd Bank. These fees may vary, and it is recommended to review the bank’s official documentation or contact customer service for specific details.

5. How does the rewards program work for the Platinum Aura Credit Card?

The IndusInd Bank Platinum Aura Credit Card presents a rewards scheme wherein users accumulate points with each qualifying transaction. These points hold value for diverse rewards, including gift vouchers, merchandise, and beyond. For specifics on the ongoing rewards program, refer to the bank’s official website or reach out directly to them.

6. Can I convert my purchases into easy monthly installments (EMIs) with this credit card?

IndusInd Bank often provides the option to convert purchases into EMIs. The terms and conditions for EMI conversion may vary, so it’s recommended to check with the bank for specific details and eligibility criteria.

7. What’s the maximum credit allowance provided with the IndusInd Bank Platinum Aura Credit Card?

The Platinum Aura Credit Card’s credit limit hinges on diverse factors such as your credit history, earnings, and other financial aspects. For precise details regarding your individual credit limit, reaching out to IndusInd Bank directly is recommended.

8. How do I check my credit card statement and make payments?

You can access your credit card statement and make payments through the IndusInd Bank online portal or mobile app. Additionally, statements are often sent to your registered email address. Detailed instructions can be found on the bank’s official website or by contacting customer service.

9. Does the Platinum Aura Credit Card offer any travel benefits?

Yes, the Platinum Aura Credit Card typically provides complimentary airport lounge access and other travel-related benefits. For specific details and the latest information, refer to the terms and conditions or contact the bank.

10. What should I do if my credit card is lost or stolen?

In case of a lost or stolen card, it is crucial to report it to IndusInd Bank immediately. Most banks have a dedicated helpline or 24/7 customer service for such emergencies. Refer to your card agreement or contact customer support for guidance on reporting and replacing a lost or stolen card.