IndusInd Bank Platinum Aura Edge Credit Card

The IndusInd Bank Platinum Aura Edge Credit Card stands out for its outstanding features, offering customers unique reward opportunities and various advantages tailored to their preferences. Users can select a reward plan that aligns with their spending patterns. IndusInd Platinum Aura Edge Credit Card offers rewards in the form of Saving Points, allowing you to accumulate up to 4 points for every Rs. 100 spent.

Key Highlights of IndusInd Bank Platinum Aura Edge Credit Card

  1. Enjoy the freedom to select your preferred reward plan.
  2. Earn up to 4 Saving Points for every Rs. 100 spent.
  3. Comprehensive travel insurance covering various categories.
  4. Receive personal air-accident coverage.
  5. Benefit from a 1% fuel surcharge waiver.
  6. Access 24/7 concierge services for your convenience.

Features and Benefits of IndusInd Bank Platinum Aura Edge Credit Card

The IndusInd Bank Platinum Aura Edge Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Receive exclusive discount gift vouchers as a welcome gift from popular brands like Pantaloons, Bata, Raymond, Hush Puppies, and more.
  • The gift vouchers are valid for a period of six months from the date of card issuance.

2. Concierge Benefits:

  • Utilize IndusInd Bank’s 24*7 concierge services for various purposes, including:
  • Hotel and flight bookings.
  • Pre-trip assistance.
  • Entertainment and sports bookings.
  • Flowers and gifts.

3. Fuel Surcharge Waiver:

  • Enjoy a 1% fuel surcharge waiver at all fuel stations for transactions ranging between Rs. 400 and Rs. 4,000.

4. Insurance Benefits:

Insurance coverage for various categories:

  • Lost Baggage: Rs. 1,00,000
  • Delayed Baggage: Rs. 25,000
  • Loss of Passport: Rs. 50,000
  • Lost Ticket: Rs. 25,000

5. Other Benefits:

  • Access 24*7 on-road assistance service, including:
  • Flat tire service.
  • Emergency fuel supply.
  • Battery service.
  • Roadside repair service.
  • Accident management.
  • Medical assistance.

IndusInd Bank Platinum Aura Edge Credit Card Fees and Charges

Explore the fee structure for the IndusInd Bank Platinum Aura Edge Credit Card and discover the financial advantages that come with it.

1. Joining Fee: Rs. 500
2. Annual Fee: NIL
3. Add-on Credit Card Fee: NIL
4. Finance Charges:

  • 3.83% per month
  • 46% per annum

5. Late Payment Fees:

  • Up to Rs. 100: Nil
  • Rs. 101 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 1,000: Rs. 350
  • Rs. 1,001 to Rs. 10,000: Rs. 550
  • Rs. 10,001 to Rs. 25,000: Rs. 800
  • Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300

6. Over Limit Charges: 2.5% of the Over Limit Amount, with a minimum of Rs. 500
7. Returned Cheque: Rs. 250
8. Cash Advance Charges: 2.5% of the advance amount, with a minimum of Rs. 300 (waived off for PIONEER Heritage, PIONEER Legacy, and Legend Credit Card)

Eligibility Criteria for IndusInd Platinum Aura Edge Credit Card

Here are essential criteria for applying for an IndusInd Platinum Aura Edge Credit Card:

1. Age Requirement:

  • Eligible applicants must fall within the age range of 21 to 60 years.
  • The minimum age for application is 21, while the maximum is 60, aligning with the retirement age.

2. Income Criteria: Monthly income should not be less than ₹20,000 to qualify for the card.

3. Occupational Eligibility: The card is available to both self-employed individuals and those with a salaried occupation.

4. Credit Score Importance: Maintaining a favorable credit score is crucial for successful application and approval.

Documents Required for IndusInd Platinum Aura Edge Credit Card

To apply for the IndusInd Platinum Aura Edge Credit Card, you will typically need to provide the following documents:

  1. Ration Card
  2. Voter ID
  3. Salary Slip
  4. Aadhaar Card
  5. Form 16
  6. Driving Licence
  7. IT Returns
  8. Passport

How To Apply for IndusInd Bank Platinum Aura Edge Credit Card?

Follow these steps to apply for the IndusInd Bank Platinum Aura Edge Credit Card:

  1. Visit the BankBazaar website.
  2. Navigate to the ‘Credit Cards’ section.
  3. Choose the ‘IndusInd Bank Platinum Aura Edge Credit Card’ from the available options.
  4. Click on the ‘Check Eligibility’ link and proceed to a new page.
  5. Answer a set of straightforward questions to determine your eligibility for the selected credit card.
  6. If eligible, find and click on the ‘Instant Apply’ link.
  7. Complete the application form with the required information.
  8. Submit the filled application form.

Frequently Asked Questions (FAQs) –

Q1: What is the joining fee for the IndusInd Bank Platinum Aura Edge Credit Card?

A: The joining fee for the IndusInd Bank Platinum Aura Edge Credit Card is Rs. 500.

Q2: Is there an annual fee for the IndusInd Platinum Aura Edge Credit Card?

A: No, there is no annual fee for the IndusInd Platinum Aura Edge Credit Card.

Q3: Are there any charges for add-on credit cards with the IndusInd Platinum Aura Edge Credit Card?

A: No, there are no charges for add-on credit cards associated with the IndusInd Platinum Aura Edge Credit Card.

Q4: What are the finance charges for the IndusInd Platinum Aura Edge Credit Card?

A: The finance charges are 3.83% per month or 46% per annum.

Q5: How are late payment fees structured for the IndusInd Platinum Aura Edge Credit Card?

A: Late payment fees vary based on the outstanding balance, ranging from Nil for balances up to Rs. 100 to Rs. 1,300 for balances above Rs. 50,000.

Q6: What are the over-limit charges for the IndusInd Platinum Aura Edge Credit Card?

A: Over-limit charges are 2.5% of the over-limit amount, with a minimum of Rs. 500.

Q7: Is there a fee for returned cheques with the IndusInd Platinum Aura Edge Credit Card?

A: Yes, there is a fee of Rs. 250 for returned cheques.

Q8: What are the cash advance charges for the IndusInd Platinum Aura Edge Credit Card?

A: Cash advance charges are 2.5% of the advance amount, with a minimum of Rs. 300. However, this fee is waived off for PIONEER Heritage, PIONEER Legacy, and Legend Credit Card holders.

Q9: Are there any additional benefits or features associated with the IndusInd Platinum Aura Edge Credit Card?

A: For the latest information on additional benefits and features, please refer to the official IndusInd Bank website or contact IndusInd bank credit card customer care support.

Q10: How can I apply for the IndusInd Bank Platinum Aura Edge Credit Card?

A: You can apply for the Platinum Aura Edge Credit Card through the IndusInd Bank website or by visiting a nearby branch. Check the eligibility criteria and required documents before applying.