Eligible spend
0.5 points per ₹100 on eligible spend
INDUSIND VISA
Platinum Aura Edge
Should you get this?
Strong fit
Why this card
- Forex markup is low at 1.8%.
- You are willing to choose a reward plan matching your spending.
- You want a lifetime-free card.
Trade-off
Welcome offer details not verified
Annual fee ₹0 no annual fee currently listed
Rewards 0.5 Savings Points / ₹100 shared across all 4 plans
Lounge access 0 no lounge
Forex markup 1.8% low
Compare with HSBC India Live+ →
Similar low-forex profile
What it costs to get, and to keep
Joining vs renewalFirst year
No joining fee
From year 2
No renewal fee
Welcome offer
Welcome vouchers on select fee plans only
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveChoose one reward plan: Shop, Home, Travel or Party.
ScopeRateEligibilityLimit
General spend0.5 Savings Points / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
Shop plan
Books1.5 Savings Points / ₹100Requires selected reward planNot stated
Consumer Durables2 Savings Points / ₹100Requires selected reward planNot stated
Departmental Stores4 Savings Points / ₹100Requires selected reward planNot stated
Dining1.5 Savings Points / ₹100Requires selected reward planNot stated
Home plan
Cellphone Bills1.4 Savings Points / ₹100Requires selected reward planNot stated
Electricity Bills1.4 Savings Points / ₹100Requires selected reward planNot stated
Grocery4 Savings Points / ₹100Requires selected reward planNot stated
Insurance1.4 Savings Points / ₹100Requires selected reward planNot stated
Medical1.5 Savings Points / ₹100Requires selected reward planNot stated
Travel plan
Airline2.5 Savings Points / ₹100Requires selected reward planNot stated
Car Rental1.5 Savings Points / ₹100Requires selected reward planNot stated
Hotel4 Savings Points / ₹100Requires selected reward planNot stated
Rail1.5 Savings Points / ₹100Requires selected reward planNot stated
Party plan
Bars Pubs2 Savings Points / ₹100Requires selected reward planNot stated
Departmental Stores2 Savings Points / ₹100Requires selected reward planNot stated
Dining4 Savings Points / ₹100Requires selected reward planNot stated
Movies1.5 Savings Points / ₹100Requires selected reward planNot stated
Redemption value
What a Savings Point is worth
- Cash redemption value₹0.50 per Savings Point
Transfers
Air miles: 0.5 mile per point
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹0.5 per point
Cashback
No reward on
- Fuel
Realisation
Credited as reward points
Costs & fees
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the shared base rate (0.5 Savings Points / ₹100). Up to ~250 Savings Points/month if the entire spend qualifies. Based only on the base rate shared across all 4 plans. Plan-specific category rates are excluded because no reward plan has been selected. Fuel earns no points.
- Worth ~₹130 at the conservative redemption floor
- Forex cost ~₹900 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Not included on base card Base card has no included international lounge access. Optional paid programmes are listed separately.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- Optional programme
- Travel Plus Programme (optional, paid) · ₹5,000/year programme fee · up to 8 international lounge visits/year · domestic lounge usage charges are not waived Paid add-on — does not change base-card lounge entitlement or ranking.
Rewards
- Base earn
- 0.5 Savings Points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~0.25% base (conservative redemption) · verified 1 Aug 2026 Base rate shared across every plan; plan-specific rates excluded until a plan is selected.
- Cash redemption value
- ₹0.50 per savings point · verified 1 Aug 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.95% / month
- Annual fee
- ₹0
- Joining fee
- ₹0
International Use
- Forex markup
- 1.8%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- IndusInd official page
- IndusInd official Platinum Aura Edge Visa And Mastercard Credit Card Easy Credit Doc Indusind Bank In Doc Indusind Bank In page
- Issuer site (verified manually) , opens external site
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 1.8%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 1.8%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
When do welcome benefits arrive?
Welcome vouchers are available only on select fee plans. Whether this applies to the lifetime-free plan is not verified — check the issuer offer page.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - Point transfers
When transferring beats redeeming - How reward rate works
Pts / ₹100 without the marketing fog