Priya, a happy IndusInd Bank Platinum RuPay Credit Card owner, looked forward to the weekend. She was going shopping, and all her purchases turned into a satisfying experience.

Priya first spent ₹1,500 on groceries and paid with UPI. As her card gives 2 reward points on each ₹100 spent via UPI, she gets 30 reward points (₹1,500 ÷ ₹100 = 15, 15 x 2 = 30).

Then, she purchased clothes amounting to ₹2,000 from a shop nearby. She earned 1 reward point for every ₹100 spent on transactions other than UPI. So, for ₹2,000, she received 20 points (₹2,000 ÷ ₹100 = 20, 20 x 1 = 20).

Finally, Priya fuelled her vehicle with ₹3,000 of fuel. As a result of her Platinum RuPay Credit Card, she benefitted from ₹30 waived off for the fuel surcharge, a good bonus indeed.

By the time Priya went on her shopping spree, she had accumulated 50 reward points and saved on petrol. IndusInd Platinum RuPay Credit Card's seamless UPI integration made her transactions quick and rewarding.

Additionally, Priya can redeem her points as statement credit, airline miles, or vouchers through 'IndusMoments.'

As Soumitra Sen of IndusInd Bank describes, this card is all about streamlining payments and making them more rewarding for the customer.

What is an IndusInd Bank Platinum Rupay Credit Card?

IndusInd Bank Platinum RuPay Credit Card provides seamless UPI integration for convenient and hassle-free transactions. Cardholders get a waiver on fuel surcharges at fuel stations nationwide, saving them on fuel expenses.

The card is made to upgrade your payment experience with seamless UPI access and more savings on daily spending like fuel, making it an excellent option for customers looking for convenience and value.

Key Features and Benefits of IndusInd Bank Platinum Rupay Credit Card:

Features	Description
Zero Joining Fees	One of the most impressive aspects of the Platinum RuPay Credit Card is its no joining fee or annual fee. This is an excellent aspect for users who want a budget-friendly option that does not charge them extra fees.
Platinum Auto Assist	While travelling, unexpected problems like a flat tire or car breakdown can happen. With your IndusInd Bank Platinum Credit Card, you can be helped 24/7, 365 days a year. This is what Platinum Auto Assist offers: Flat Tire Service: Help in changing a flat tire. Locked Keys: Assistance if you lock yourself in your vehicle. Battery Service: Battery replacement anywhere, anytime. Towing: Have your vehicle towed to the workshop of your choice. Accident & Medical Help: For help in case of an accident. Auto Assist can be found in Mumbai, Delhi, Bengaluru, Pune, Chennai, and Kolkata. Dial the Concierge Desk at 1860 267 7777 for more details. Terms and conditions apply.
Earning Reward Points	Earn reward points whenever you shop using your IndusInd Bank Platinum Credit Card for business or recreation. For every ₹150 spent, you get 1.5 Reward Points. Redeeming Reward Points: We offer you flexible points redemption options, including: Cash Credit: 1 Reward Point = ₹0.85 cash equivalent. Airline Miles: Earn miles with our partner airlines. Online Shopping: Shop on our online shopping site. Let’s understand it with an example: Suppose you spend ₹3,000 on your IndusInd Bank Platinum Credit Card. For every ₹150 spent, you earn 1.5 Reward Points. Which means: Total Spend: ₹3,000 Reward Points Earned: ₹3,000 ÷ ₹150 = 20. So, 20 units × 1.5 Reward Points = 30 Reward Points. You now have 30 Reward Points. Here's how you can redeem them: 1. Cash Credit: 1 Reward Point = ₹0.85. So, 30 Reward Points × ₹0.85 = ₹25.50 as cash credit. 2. Airline Miles: If you want to redeem your points for airline miles, the points would be converted based on the partner airlines’ conversion rate (say 1 Reward Point = 1 airline mile). So, 30 Reward Points = 30 airline miles. 3. Online Shopping You can also use your 30 Reward Points on the online shopping portal. The value of points varies depending on the store, but let’s assume 1 Reward Point = ₹1 in the shopping portal. So, 30 Reward Points = ₹30 for online shopping.
Fuel Surcharge Waiver	If the petrol pump charges a 1% fuel surcharge, the surcharge on a ₹2,000 transaction would be ₹20 (1% of ₹2, Since you're using your IndusInd Bank Platinum Credit Card, you’ll get the 1% surcharge waived so that you won’t pay the ₹20 surcharge. However: If you fill up your car for ₹5,000, the surcharge waiver won’t apply because the transaction exceeds ₹4,000. If there's a service tax on the surcharge, let’s say ₹2, the tax will still be your responsibility and won’t be waived. So, in this case, you'd pay ₹2 as a service tax.
Travel Plus	The Travel Plus program provides IndusInd Bank credit cardholders with travel insurance and a maximum of 8 complimentary visits to overseas airport lounges outside India, per terms and conditions. The course is offered for a one-time fee of ₹5,000 per year. After using your 8 free visits, each additional visit will cost ₹2,345. Let’s understand it with the help of an example: Suppose you travel multiple times yearly; the ₹5,000 fee covers all the lounge visits (up to 8) and provides insurance. If you use more than 8 lounge visits, you’ll pay the additional fee of ₹2345 per visit for each extra visit. In summary: Fee: ₹5,000 per year Free Visits: 8 complimentary lounge visits at airports outside India Extra Visits: ₹2345 per visit after the first 8
Travel Insurance	Delayed Baggage: Up to ₹25,000 compensation in case of involuntary purchase of priority items in case of delay of over 12 hours. You must get a non-delivery certificate from the airline for a cl Loss of Passport and Ticket: Max. ₹50,000 as reimbursement for the loss or destruction of your passport and travel documents while they are in the possession of authorities such as police or customs. Missed Connection: Max. ₹25,000 as compensation for a missed connecting flight if your last flight with a foreign airline is delayed by over 6 hours.
Exclusive Lounge Access	As one of the value-added benefits under the premium segment related to the IndusInd Bank Platinum RuPay Credit Card, the card members can gain privileged entry into the lounge at Delhi Airport Terminal 3 (DEL T3). This advantage benefits frequent fliers and business travellers who require a cosy spot to unwind before a flight.
Access to Golf Clubs in India	Cardholders can enjoy complimentary access to select golf clubs in India on weekdays and weekends. Minimum Player Conditions: Weekdays: At least 2 players per group (flight). Weekends/Holidays: At least 3 players per group (flight). Cardholders can bring up to 3 guests per booking, subject to availability. Cardholders can use their green fee benefits once per quarter. Unused benefits cannot be carried over to another month. Weekday bookings must be made at least 2 working days in advance, and weekend/holiday bookings must be made at least 4 working days in advance.

Eligibility Criteria to Apply for IndusInd Bank Platinum Rupay Credit Card:

Occupation: Must be salaried or self-employed.
Age: Between 21 and 60 years (or till retirement age).
Minimum Income: At least ₹20,000 per month.

Documents Required to Apply for IndusInd Bank Platinum Rupay Credit Card:

Here's the list of documents you will require:

Proof of Identity: To identify who you are, you can present:

Passport
Voter ID
Aadhaar Card
Driving License

Proof of Address: To establish where you stay, you can present:

Utility Bills (Electricity, Water, Gas)
Rental Agreement
Passport
Aadhaar Card

Proof of Income: This indicates to the bank whether you can repay the credit.

Salaried employees: Recent salary vouchers, Form 16, Income Tax Returns, and bank statements for the past 3-6 months.

Self-employed persons: Income Tax Returns of the previous two years, evidence of business continuity, and profit/loss statements.

Photograph: Recent passport-sized photograph.

PAN Card: Required for tax and financial dealings.

How to Connect Your Platinum RuPay Credit Card to UPI?

Connecting your Platinum RuPay Credit Card to UPI is easy and can be done via your preferred UPI app. Here's how:

Download the UPI app from the Google Play or Apple Play Store (like PhonePe, Paytm, or Google Pay.)
Install the application on your device.
Open the app and choose ‘Add Credit Card/Link Credit Card.’
Select IndusInd Bank as the issuer.
Choose your Platinum RuPay Credit Card.
Create your UPI PIN with the card information (last six digits, expiry date, and OTP received on your registered mobile number).

After generating the PIN, your card is now ready to be used for UPI-based transactions.

Note: You earn 2 reward points for every ₹100 spent on UPI transactions, 1 reward point for every ₹100 on non-UPI transactions, and ₹0.70 for purchases in select merchant categories

Let’s understand it with an example:

Raj, an IndusInd Bank Platinum RuPay Credit Cardholder, decided to make the most of his card during a shopping spree.

He made:

₹500 UPI payment at the grocery store, earning 10 reward points (2 points per ₹100).
Next, he spent ₹500 on clothes, earning 5 reward points for non-UPI transactions (1 point per ₹100).
Finally, he bought accessories at a select merchant, earning ₹3.50 (₹0.70 per ₹100).

In total, Raj earned 10 reward points for UPI transactions, 5 points for non-UPI, and ₹3.50 for purchases at select merchants, making it a rewarding day!

Benefits of Linking Credit Card to UPI:

Benefit	Details
Easy Payment Process	Link your credit card to UPI once, and payments are fast.
No Need to Carry Your Card	Use your credit card without carrying it physically.
QR Code Payments	Scan the merchant QR code and pay directly via the UPI app.
No CVV or OTP Needed	Quick payments can be made without entering CVV or waiting for OTP.
Rewards on Transactions	Earn rewards for every UPI transaction.

How to Pay Using Your IndusInd Platinum RuPay Credit Card?

Paying using your Platinum RuPay Credit Card is an easy process; let’s see how:

Scan Merchant QR Code or enter Merchant's UPI ID.
Enter Amount to pay or allow the app to auto-fetch it.
Choose your Platinum RuPay Credit Card from the available payment options.
Enter your UPI PIN and click on the ‘Confirm’ option.

You can easily view your transactions in your UPI app's Transaction History.

How to apply for an IndusInd Platinum RuPay Credit Card?

1. Online Process:

Visit the official website of IndusInd Bank.
Click on ‘Cards’ 2nd option in the navigation bar.
Select ‘Platinum RuPay Credit Card’ from the drop-down menu.
Click on ‘Apply Now.’
Enter your name, DOB, and mobile number, and click ‘Get OTP.’
Enter the OTP received on your registered mobile number, accept the terms and conditions, and click ‘Proceed.’
Enter your PAN Card number, Gender, current residential address, and pincode, and click on ‘Proceed.’
Enter your employment details (occupation, company name, net monthly income), then click ‘Continue.’
Click on the ‘Check Best Offers’ option.
On the next page, E-Verify your income.
Click on the ‘Get Your Card’ option.
Complete your KYC by clicking on ‘Aadhar-based E-KYC.’
Enter your Aadhar card number and click on ‘Get OTP.’
Enter the OTP received on your registered mobile number and click on ‘Verify e-KYC.’
On the next page, your application reference number will be generated.
Scroll down a bit and click on ‘Start Video KYC Now.’

Note: Make sure that at the time of Video KYC, you have black paper, a pen, and your original PAN card.

During the KYC video, an employee from IndusInd Bank will appear on your screen and ask you to show him the original PAN card.
Then he’ll ask you to sit straight and capture a photo of you.
After that, he’ll tell you to put your signature on a blank piece of paper before him.
After these steps, your video KYC will be completed.
The card will be delivered to your address within a week

2. Offline Process:

Visit your nearest IndusInd Bank branch.
Request a credit card application form.
Select the IndusInd Platinum Rupay Credit Card.
Fill in your personal and income details in the form carefully.
Attach a photo and sign the form.
Check the form for accuracy and submit it along with the required documents

Annual Fee and Charges of IndusInd Platinum RuPay Credit Card:

IndusInd Platinum RuPay Credit Card Credit Card Fees and Charges:

Fee/Charge	Details
Joining Fee	₹0 (No Fee)
Annual Fee	₹0 (No Fee)
Interest Rate	3.9% per month
Foreign Transaction Fee	1.8% + applicable charges
Cash Payment Fee	₹100
Late Payment Fee	₹0 for less than ₹100
	₹100 for (₹101-₹500)
	₹350 for (₹501-₹1000)
	₹550 for (₹1001-₹10,000)
	₹800 for (₹10,001-₹25,000)
	₹1,100 for (₹25,001-₹50,000)
	₹1,300 for (more than ₹50,000)
Cash Advance Fee	2.5% or ₹300 (whichever is higher)
Over Limit Penalty	2.5% or ₹500 (whichever is higher)
Minimum Repayment	5% of the total amount due

Customer Care details related to IndusInd Platinum RuPay Credit Card:

If you need help, call customer care at 1860 267 7777 or 022-42207777.

If you're a Pioneer customer, email your questions to pioneer@indusind.com.

Exclusive customers can email their queries or complaints to exclusive@indusind.com.

New customers can email their questions to Premium.care@indusind.com.

Conclusion

IndusInd Bank Platinum RuPay Credit Card provides a hassle-free payment experience with UPI integration, where you earn rewards on each transaction. From accumulating points on your grocery purchases to fuel surcharge savings, this card brings value to your day-to-day spending.

Life is easy and rewarding with add-on features such as free lounge access, travel insurance, and easy redemption of rewards. Without a membership or renewal fee, this card is ideal for individuals searching for a hassle-free, rewarding payment tool. Apply now and enjoy the convenience of IndusInd Bank Platinum RuPay Credit Card!

FAQs related to IndusInd Bank Platinum Rupay Credit Card:

Q1: What is the redemption value of 1 reward point on the IndusInd Platinum RuPay Credit Card?

The redemption value of 1 reward point on the IndusInd Platinum RuPay Credit Card is ₹0.40.

Q2: What is the billing cycle for an IndusInd credit card?

The billing cycle for an IndusInd credit card usually lasts a month, starting from the billing date of the previous month and ending a day before the next billing date. All transactions, payments, fees, and charges are accumulated during this period.

Q3: What are the cash withdrawal charges for the IndusInd Bank Platinum credit card?

The cash withdrawal fee for the IndusInd Bank Platinum credit card is 2.5% of the withdrawn amount, with a minimum charge of ₹300. However, this fee is waived for IndusInd Bank Legend Credit cardholders.