IndusInd Bank Platinum Credit Card
INDUSIND · VISA★ 4.0/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
0.50% on Dining
2X reward points on dining
0.50% on Other
2X reward points on all spends
Airport Lounge Access
1 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹999/yr fully waived when you spend ₹1,00,000/year
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (4 visits/yr, worth ~₹2,000)
IndusInd Platinum is a simple mid-tier card for IndusInd account holders — 2X reward points on all spends, 1 domestic lounge visit per quarter, and a 1% fuel surcharge waiver. Reliable everyday card with basic lifestyle perks.
Who is this for?
For IndusInd Bank customers who want a step-up from a basic card. Good as a second card for Indusind account holders whose primary card is with HDFC or ICICI.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.35 (up to ₹0.70 via best route). How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 0.50% | — |
| Other | reward points | 0.50% | — |
Dining: 2X reward points on dining
Other: 2X reward points on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1 complimentary domestic lounge visit per quarter
1% fuel surcharge waiver
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (0.50% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your indusind reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Above-average base value
Premium cards (Pinnacle/Legend)
✈ TRANSFER PARTNERS
The concern
It is outclassed by similarly priced cards from larger banks in every individual category — its case is the IndusInd relationship.
Bottomline
CardAdvisor Rating: 4.0 / 5IndusInd Platinum is a fine secondary card — dependable earn, a lounge visit a quarter, no drama. Nothing here wins a comparison table, and for an IndusInd customer nothing needs to.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IndusInd Bank Platinum Credit Card are taken from INDUSIND's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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