IndusInd Bank Platinum Select Credit Card

The IndusInd Bank Platinum Select Credit Card is a versatile financial tool that offers cardholders a wide array of benefits and privileges. With a focus on enhancing the lifestyle of its users, this credit card provides access to exclusive dining, travel, and lifestyle offers, making it ideal for individuals seeking both convenience and luxury. Cardholders can earn reward points on their everyday purchases, which can be redeemed for various rewards, including travel vouchers and merchandise.

Key Highlights of IndusInd Bank Platinum Select Credit Card:

  1. Lifestyle Privileges: Enjoy a host of exclusive lifestyle benefits, including dining offers at select restaurants, discounts on hotels, and access to premium events, adding an element of luxury to your everyday experiences.
  2. Reward Points Program: Earn reward points on every transaction, allowing you to accumulate points swiftly. These points can be redeemed for a variety of rewards, including travel vouchers and merchandise.
  3. Fuel Surcharge Waiver: Get relief from fuel surcharges at participating petrol stations, making it cost-effective to fill up your tank.
  4. Complimentary Insurance: Benefit from complimentary insurance coverage, including travel insurance and purchase protection, providing added security.
  5. Airport Lounge Access: Enjoy access to airport lounges in India and select international airports, providing a comfortable and relaxing travel experience.
  6. Flexible Payment Options: The card offers convenient payment options, including EMI conversion, making it easier to manage your finances.
  7. Global Acceptance: The card is widely accepted both in India and abroad, providing convenience during domestic and international travel.
  8. Transparent Fee Structure: The card’s fee structure is transparent, ensuring that cardholders are aware of charges, such as annual fees and interest rates.
  9. Contactless Payment: The card may support contactless payments, offering a secure and convenient way to make transactions.
  10. Dedicated Customer Support: Access dedicated customer support services to address queries, concerns, or assistance with card-related matters.
  11. 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 Select Credit Card

The Platinum Select Credit Card from IndusInd Bank presents a suite of features and perks meticulously crafted to elevate your financial journey and complement your lifestyle. Below, we delve into its standout attributes and benefits.

1. Lifestyle Privileges:

  • Access exclusive lifestyle benefits, including dining offers at select restaurants, discounts on hotels, and access to premium events and experiences.

2. Reward Points Program:

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

3. Fuel Surcharge Waiver:

  • Enjoy relief from fuel surcharges at participating petrol stations, making it cost-effective to refuel your vehicle.

4. Complimentary Insurance:

  • Benefit from complimentary insurance coverage, including travel insurance and purchase protection, providing added security.

5. Airport Lounge Access:

  • Access airport lounges in India and select international airports, enhancing your travel experience with comfort and convenience.

6. Flexible Payment Options:

  • The card offers convenient payment options, including EMI conversion, making it easier to manage your finances.

7. Global Acceptance:

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

8. Transparent Fee Structure:

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

9. Contactless Payment:

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

10. Dedicated Customer Support:

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

11. 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.

IndusInd Bank Platinum Select Credit Card Fees and Charges

  1. Joining Fee: Rs. 999
  2. Annual Fee: Rs. 200
  3. Add-on Card Fee: None
  4. Interest-Free Period: Up to 50 days, applicable only when the previous outstanding balance is paid in full.
  5. Cash Advance Fee: 2.5% of the cash advance amount, subject to a minimum of Rs. 300.
  6. Late Payment Fee:
  • Up to Rs. 100: Nil
  • Between Rs. 101 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 1,000: Rs. 350
  • Between Rs. 1,001 to Rs. 10,000: Rs. 550
  • Between Rs. 10,001 to Rs. 25,000: Rs. 800
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300

Eligibility criteria for the IndusInd Bank Platinum Select Credit Card

The IndusInd Bank Platinum Select Credit Card offers a range of features and benefits designed to enhance the cardholder’s financial experience and lifestyle. Discover the pivotal attributes and advantages offered by this credit card:

  1. Lifestyle Privileges: Enjoy exclusive lifestyle benefits, including dining discounts at select restaurants, special offers on hotels, and access to premium events, adding luxury to your everyday activities.
  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: Get relief from fuel surcharges at participating petrol stations, making it more cost-effective to refuel your vehicle.
  4. Complimentary Insurance Coverage: Benefit from complimentary insurance coverage, which may include travel insurance and purchase protection, providing added security for your purchases and travels.
  5. Airport Lounge Access: Enjoy access to airport lounges in India and select international airports, offering a comfortable and relaxing travel experience before your flights.
  6. Flexible Payment Options: The card offers convenient payment options, including the option to convert purchases into EMIs (Equated Monthly Installments), making it easier to manage your finances.
  7. Global Acceptance: This credit card is widely accepted both within India and abroad, ensuring convenience during domestic and international travel.
  8. Transparent Fee Structure: The card’s fee structure is transparent, providing cardholders with clarity on charges, including annual fees and interest rates.
  9. Contactless Payment: The card may support contactless payments, offering a secure and convenient way to make transactions, especially for small-value purchases.
  10. Dedicated Customer Support: Access dedicated customer support services to address inquiries, concerns, or receive assistance with any card-related matters.
  11. Additional Features: Depending on the specific variant of the card, you may also benefit from additional features, such as discounts on movie tickets, access to exclusive events, and more.

Documents Required for IndusInd Bank Platinum Select Credit Card

The documents required to apply for a credit card include:

1. ID Proof:

  • Copy of Passport
  • PAN Card/ UID
  • Driving License
  • Voter’s ID Card

2. Income Proof:

  • Salary Certificate
  • IT Assessment order
  • Latest Balance Sheet
  • Copy of the latest Income Tax Return

3. Address Proof:

  • Aadhar Card
  • Voter ID Card
  • PAN Card
  • Utility Bills

4. Additional Documents:

  • PAN Card
  • Colored Photographs
  • Bank Statement for the last 3 months

How to apply for IndusInd Bank Platinum Select Credit Card

To apply for the IndusInd Bank Platinum Select Credit Card, you can follow these general steps:

1. Visit the Official Website:

  • Visit the designated website 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 Select Credit Card” among the choices.

4. Review Card Details:

  • To explore the features, benefits, fees, and eligibility requirements of the card, simply click on it. Ensure that it meets your requirements.

5. Initiate the Application:

  • Once you’ve made up your mind to request 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 including a credit assessment and validation of the submitted documents.

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 Select Credit Card to your registered address.

Frequently Asked Questions (FAQs) –

1. What distinct attributes define the IndusInd Bank Platinum Select Credit Card?

The IndusInd Bank Platinum Select Credit Card comes with features such as attractive reward points, complimentary airport lounge access, fuel surcharge waiver, and exclusive lifestyle benefits. Crafted with your individual lifestyle and financial requirements in mind, it is tailored to meet your unique needs.

2. How can I apply for the IndusInd Bank Platinum Select Credit Card?

To get the card, you have two options: apply online via the official IndusInd Bank website or head to a nearby branch. Applying online means filling out a form and submitting required documents. If you choose the branch route, you’ll do the same paperwork in person.

3. What are the eligibility criteria for the IndusInd Bank Platinum Select Credit Card?

The eligibility criteria may vary, but generally, you should be within a certain age range, have a stable income, and a good credit score. Specific details can be obtained from the bank’s official website or customer service.

4. How does the rewards program work on the Platinum Select Credit Card?

The card offers a rewards program where you earn reward points for every eligible transaction. These points can be redeemed for a variety of options such as merchandise, gift vouchers, and more. Details about the rewards program can be found in the card’s terms and conditions.

5. Is there an annual fee for the IndusInd Bank Platinum Select Credit Card?

The annual fee and other charges associated with the card are usually mentioned in the terms and conditions provided by the bank. It’s important to review these details before applying for the card.

6. Can I get my annual fee waived on the IndusInd Bank Platinum Select Credit Card?

Some credit cards offer annual fee waivers based on specific criteria, such as minimum annual spending. Check with the bank’s customer service or review the terms and conditions to understand if this benefit is applicable to the Platinum Select Credit Card.

7. How does the complimentary airport lounge access work with this credit card?

The Platinum Select Credit Card often provides complimentary airport lounge access. Details such as the number of visits allowed, participating lounges, and any accompanying charges for guests can be found in the credit card documentation.

8. What steps should I take to view my credit card statement and handle my account digitally?

IndusInd Bank usually provides online banking facilities for credit cardholders. You can log in to the official website or use the mobile app to check your statements, make payments, and manage your account.

9. What security features are in place to protect my IndusInd Bank Platinum Select Credit Card?

IndusInd Bank implements various security measures, including EMV chip technology, one-time passwords (OTPs), and transaction alerts, to ensure the security of your credit card transactions. Familiarize yourself with these features for a secure card usage experience.

10. How can I contact customer support for the IndusInd Bank Platinum Select Credit Card?

You can reach IndusInd Bank’s customer support through their helpline number, which is usually mentioned on the back of your credit card. Additionally, you can find contact details on the official website for queries, concerns, or assistance related to your Platinum Select Credit Card.