IndusInd Bank provides several variants under the credit card to suit individual requirements. IndusInd Aura Edge Credit Card is designed for individuals who are compulsive shoppers. Innumerable privileges along with various reward points plan to make shopping under every category beneficial. The contactless feature of the card makes shopping convenient. A simple wave of the IndusInd Credit Card at merchant establishments where contactless payment will accept the payment, and your shopping is done.
The key highlights of IndusInd Platinum Aura Edge Credit Card are:
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IndusInd Bank Platinum Aura Edge Credit Card is a special card designed for high-achievers. It offers special privileges in travel, shopping, dining, etc. The IndusInd aura edge credit card benefits and features are detailed below:
Different reward plans for different shopping categories. You can earn attractive reward points under each shopping category.
For optimum savings on your purchases, shop under Platinum Aura Edge Shop Plan and earn reward points under each shopping category.
|Shopping Category||Reward Points on every Rs. 100 spent|
|Shopping at departmental stores||4 reward points|
|Purchase of electronic items and consumer durable utility articles||2 reward points|
|On dining out||1.5 points|
|Purchase of books||1.5 points|
|All other spends||0.5 points|
Earn while you shop for your home under various categories under the Platinum Aura Edge Home Plan.
|Shopping category||Reward Points for every Rs. 100 spent|
|Grocery||4 reward points|
|Payment of mobile bill||2.5 reward points|
|Payment of electricity bill||2.5 reward points|
|Payment of insurance premium||1.5 reward points|
|Medical expenses||1.5 reward points|
|All other spends||0.5 reward points|
Adventurers are the ones who benefit immensely from this plan. Every time they spend on the listed categories using the IndusInd Aura Edge Credit Card, they will earn reward points that can be redeemed for air miles or to pay the credit card bill.
|Shopping category||Reward points for every Rs. 100 spent|
|Hotel Expenses||4 reward points|
|Purchase of air tickets||2.5 reward points|
|Car Rentals||1.5 reward points|
|Purchase of train tickets||1.5 reward points|
|On all other spends||0.5 reward points|
Your passion for parties and socialising will be rewarded when you shop with the IndusInd Bank Platinum Aura Edge Credit Card. You will earn reward points that can be redeemed for the credit card dues or air miles.
You travel without the tension of delayed baggage or lost baggage with the travel insurance cover available on IndusInd Aura Edge Credit Card. The extent of insurance cover for various categories under the Travel Plus Program
|Lost Baggage||Upto Rs. 1.00 lakh|
|Delayed Baggage||Upto Rs. 25000/-|
|Passport lost||Upto Rs. 50000/-|
|Ticket Lost||Upto Rs. 25000/-|
|Missed connection||Upto Rs. 25000/-|
You get a cover, up to the credit limit of the primary card and the add-on card in case of fraudulent transactions under Total Protect. In the case of fraudulent transactions on your stolen or lost credit card, you get insurance cover up to 48 hours before you report the loss or theft of the card. Now you can travel across the globe without the fear of fraudulent transactions on your card during your travel expedition.
IndusInd Platinum Aura Edge Credit Card provides you with an air accident cover of up to Rs. 25.00 lakhs
The Contactless Credit Card feature of the IndusInd Aura Edge Credit Card makes purchases convenient, simple and secure. You can just wave the card at merchant establishments that accept contactless payments to make your purchases superfast.
1% fuel surcharge waiver for transactions between Rs. 400/- to Rs. 4000/- for fuel purchase at fuel stations across the country.
The other benefits of the IndusInd Bank Platinum Aura Edge Credit Card are:
The IndusInd Aura Edge Credit Card gives you a new-gen shopping experience.
Additional Info: Also check How to Convert Credit Card Purchase to EMI
The schedule of Indusind bank platinum aura edge credit card fees and charges is detailed below:
|Nature of Charge||Details|
|Joining Fee||Rs. 500|
|Railway booking surcharge||Rs. 250/-|
|Charges for cash payment at IndusInd Bank branch||Rs. 100|
|Request for duplicate statement||Rs. 100/- for statements beyond 3 months|
|Replacement of credit card||Rs. 100/-|
|Issue of charge-slip||Rs. 300/-|
For a minimum balance upto Rs. 100/: Nil
For Rs. 101/- to Rs. 500: Rs.100/-
For Rs. 501 to Rs. 1000: Rs. 350/-
For Rs. 1001 to Rs. 10000: Rs. 550/-
For Rs. 10001 to Rs. 25000: Rs. 800/-
For Rs. 25001 to Rs. 50000: Rs. 1100/-
Beyond Rs. 50000: 1300
Additional Info: Also check Credit Card Interest Rates
To obtain the IndusInd Bank Aura Edge Credit Card, you should fulfil the following eligibility criteria:
Age: The applicant should be in the age group of 18 to 21 at the time of submitting the application.
Income: Should have a steady income and meet the debt to income ratio criterion.
Employment: Both salaried and self-employed are eligible for the credit card.
Credit Score: A good credit score is the main deciding factor. A credit score of 750 and above is desired. Keeping the credit score at a high level implies your creditworthiness and your commitment to debt repayment.
Besides this, the number of existing credit cards, loans and the repayment track is all considered before approving the request for a credit card.
KYC documents and income proof should be submitted along with the application form. The list of accepted documents is given below:
Photo ID Proof
Additional Info: Also check Credit Card Documents Required
Follow the guidelines given below to apply for the IndusInd Bank Aura Edge Credit Card.
Additional Info: Also check IndusInd Bank Credit Card Customer Care
IndusInd Bank Aura Edge Credit Card is designed for individuals who love to travel and shop. There are a lot of reward points plans that help you save to a large extent on your purchases. Before applying for a credit card, there are various aspects that you will have to deliberate on.
If you feel the features and benefits of the card are worthwhile, you can go ahead and apply for the credit card.
Additional Info: Also check Rupay Credit Card
Other Banks have cards designed similar to IndusInd Bank Aura Edge Credit Card. Some of the cards that are similar are given below:
|Credit Card||Joining/Annual Fee||Rewards|
|IndusInd Bank Platinum Aura Edge Credit Card|
Joining Fee: Rs 500/-
Annual Fee: Nil
|4 reward points for every Rs. 100 spent at departmental stores, the purchase of groceries and hotel expenses|
|HDFC Moneyback Credit Card|
Joining Fee: Rs 500
Annual Fee: Rs. 500/-
|4 reward points for every Rs. 150 spent online|
|Amazon Pay ICICI Bank Credit Card|
Joining Fee: Nil
Annual Fee: Nil
|Amazon Prime users get 5% cashback on the spends on Amazon|
|SBI Simply Click Credit Card|
Joining Fee; Rs. 499/-
Annual Fee: Rs. 499/-
10X reward points for online spends on Amazon, Netmeds, Apollo 24x7, EazyDiner, Clear Trip and BookMyShow
5X reward points on all other online spends
|Axis Bank Ace Credit Card|
Joining Fee: Rs. 499/-
Annual Fee: Rs. 499/-
5% cashback on payment of bills and recharge
2 to 4% cashback on all other spends
Additional Info: Also check IndusInd Bank Platinum Aura Credit Card
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At merchant establishments where contactless payment is enabled, your shopping can be fast and convenient as the payment can be made by just waving the credit card. Otherwise, you can swipe the credit card like any other credit card.
Before shopping, ensure that the merchant establishment is enabled for contactless payment. There will be a contactless symbol on the POS machine if it is enabled for contactless payment.
Hold the credit card 4 cm away from the secure contactless reader. 4 green lights will appear within seconds. Once the green light appears, you can remove the card as the transaction will be complete.
Contactless payment is allowed for purchases up to Rs. 5000/- in a day. Beyond this, you will have to swipe the credit card like any other regular card.
When four green lights and a confirmation message are displayed, the transaction is deemed to be complete.
You can contact the IndusInd Bank Credit Card Customer Care helpline to know the status of the transaction.
The moment you realise your card is lost, you should report the same to IndusInd Bank Credit Card Customer Care and get the card blocked.