IndusInd Bank Platinum RuPay Credit Card
Issued by IndusInd Bank · Terms last verified 21 Oct 2026
Fees
- Joining fee
- Zero joining fee; the card is lifetime free.
- Renewal fee
- Annual fee is nil.
Bills & Utilities
| Spend | Rate | Cap |
|---|---|---|
| Utilities | 0.7 Reward Points per ₹100 | No stated cap |
| Insurance | 0.7 Reward Points per ₹100 | No stated cap |
| Government/Tax Spend | 0.7 Reward Points per ₹100 | No stated cap |
| Education | 0.7 Reward Points per ₹100 | No stated cap |
All other spends
| Spend | Rate | Cap |
|---|---|---|
| All other spends — UPI | 2 Reward Points per ₹100 | No stated cap |
| All other spends — Card | 1 Reward Points per ₹100 | No stated cap |
Earns no rewards on
Fuel
Surcharge waivers
- Fuel surcharge waiver — 1% fuel surcharge waiver on fuel transactions between INR 500 and INR 10000 in a billing cycle; GST on fuel surcharge is borne by the customer. Waived when transaction amount is at least ₹500, transaction amount is up to ₹10,000.
Redeeming rewards
- Statement credit — ₹0.35 each
- IndusMoments — ₹0.60 each
- KrisFlyer — ₹0.25 each
Benefits
- Fuel Waiver
- 1% fuel surcharge waiver on eligible fuel transactions.
- Points Expiry
- Non-cash redemption value is 1 Reward Point = INR 0.60 from 15th December 2024; cash credit redemption is 1 Reward Point = INR 0.35 and capped at 2500 points per calendar month.
- Life Time Free
- Issuer page states no annual fee and markets the card as lifetime-free.
- UPI Enablement
- Card can be linked to UPI apps such as BHIM, Google Pay, and PhonePe for UPI payments.
- Travel Insurance
- Travel insurance cover includes lost baggage up to INR 100000, delayed baggage up to INR 25000, loss of passport up to INR 50000, lost ticket up to INR 25000, and missed connection up to INR 25000.
- Zero Lost Card Liability
- Total Protect covers unauthorised transactions in case of loss or theft of card, including up to 48 hours prior to reporting, and counterfeit fraud, up to the credit limit.
Sources
Everything above is extracted from the following issuer documents. Where a figure here and the issuer's page disagree, the issuer's page is authoritative.
- Apply for Platinum RuPay Credit Card Online — Issuer page, retrieved 2026-10-21 (sha256 85eeb1d2…)
- Revision Indusind Bank Credit Card Rewards Program effective 1st August 2019 — Issuer page, retrieved 2026-10-21 (sha256 30f32449…)
- Terms and Conditions: Rupay Credit card Cash Credit - IndusInd Bank — Issuer page, retrieved 2026-10-21 (sha256 ef704f95…)
- Unlock More Miles – Convert IndusInd Bank Credit Card Reward Points to KrisFlyer Miles — Issuer page, retrieved 2026-10-21 (sha256 02c18e76…)
- Fuel_Surcharge_Waiver.pdf — Terms PDF, retrieved 2026-10-21 (sha256 8d6c5e9a…)
- MITC_Premium.pdf — Terms PDF, retrieved 2026-10-21 (sha256 e1c38236…)