IndusInd Bank Platinum Aura Credit Card

IndusInd Bank provides a wide range of credit cards to suit the individual requirements of the customers. IndusInd Bank Platinum Aura Credit Card is one such card that provides lifestyle privileges and flexible reward points. To be a proud holder of the IndusInd Bank Aura Credit Card, apply for one after understanding the eligibility criteria and other details as given in the article.

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The key highlights of IndusInd Bank Aura Credit Card are:

Reward Points: Flexible reward points plans that will fetch you maximum reward points.

Insurance: Comprehensive insurance benefits that cover lost baggage, delayed baggage, missed connecting flights, lost passports and lost tickets.

Concierge service: Round the clock concierge service.

Fuel surcharge waiver: Waiver of fuel surcharge for fuel transactions at any petrol pump across the country.

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IndusInd Bank Platinum Aura Credit Card is suitable for individuals who shop regularly. With the flexible reward points programme, you can maximise the reward points collection. 

The IndusInd Platinum Aura Credit Card benefits and features are:

Reward Points: There are flexible reward point plans with a range of reward points. Each Reward Plan has different categories for shopping, and you can earn reward points under each category and have maximum benefit for using the credit card for the purchases. The reward points are for every Rs 100/- spent on the card.

• Platinum Aura Shop Plan: There are various reward points for different categories under the plan.
  • Four reward points for shopping at departmental stores.
  • Two reward points for the purchase of electronic goods and durable utility articles.
  • 1.5 reward points for eating out.
  • 1.5 reward points for the purchase of books.
  • 0.5 reward points for all other purchases.
• Platinum Aura Travel Plan: Frequent fliers can benefit from this plan by earning reward points for shopping during travel under the various categories mentioned below.
  • Four reward points for hotel expenses
  • 2.5 reward points for the purchase of air tickets.
  • 1.5 reward points for car rentals
  • 1.5 reward points for the purchase of train tickets
  • 0.5 reward points for all other spends.
• Platinum Aura Home Plan: This plan gives you the flexibility to earn various reward points while you spend for your home under the various categories of the plan.
  • Four reward points for the purchase of groceries
  • 2.5 points each for paying mobile bills and electricity bills.
  • 1.5 reward points each for paying insurance premiums and medical expenses.
  • 0.5 reward points for all other expenses.
• Platinum Aura Party Plan: Enjoy the benefit of reward points for every spend on the IndusInd Platinum Aura Credit Card. The reward points for each category are defined.
  • Four reward points on restaurant bills
  • Two reward points for purchases at Departmental Stores
  • Two reward points for spending at pubs and bars
  • 1.5 points for the purchase of movie tickets.
  • 0.5 reward points for all other purchases.

Each reward point=Re. 0.50 or 0.50 Airmiles

Comprehensive Insurance: Insurance covers for lost baggage, delayed baggage, missed connection, lost passport and lost tickets to the extent given below:

Lost Baggage: Insurance Cover up to Rs. 1.00 lakh

Delayed Baggage: Insurance Cover up to Rs. 25000/-

Passport lost: Insurance Cover up to Rs. 50000/-

Ticket Lost: Insurance Cover up to Rs. 25000/-

Missed connection: Insurance Cover up to Rs. 25000/-

Concierge Service: 24x7 Concierge service to arrange several services like sending gifts or flowers to that someone special.

Auto Assist: You could be stuck on the road for various reasons while on travel. It could be a flat tyre, vehicle breakdown, short supply of fuel, lost keys, etc. All these problems can be fixed with the Auto Assist provided by IndusInd bank for IndusInd Bank Platinum Aura Credit Cardholders. You can call for assistance round the clock on all 365 days and get the issue fixed.

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The following are the IndusInd bank platinum aura credit card fees.

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Not all of them will be eligible for the IndusInd Platinum Aura Credit Card. Certain eligibility criteria have to be met for the credit card application to be approved:

• The age of the applicant should be between 18 years to 65 years.
• Both self-employed, as well as salaried individuals, are eligible for the card.
• The applicant should have a steady income.
• The credit score should be 750 and above at the time of applying for the credit card.

To ascertain the identity, whereabouts and income of the applicant, the bank will need certain documents. These documents have to be submitted along with the credit application:

Address Proof: Aadhar Card, Voter’s ID Card, Passport, Driving Licence(anyone)

Photo ID Proof: PAN Card, Passport, Driving Licence, Aadhar Card (anyone)

Income Proof: 

• 3 months Salary Slip, Latest Form 16, ITR and six months bank statements for salaried individuals.
• Audited balance sheet and profit and loss account for the last three years, ITR for the last three years and bank statement for the last 12 months for the self-employed.
• The latest coloured photograph should also be submitted.

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To Apply for an IndusInd Bank Credit Card, you will have to follow the procedure given below:

• Access the official website of the bank.
• Under the ‘Products’ option, choose credit cards.
• Click on the ‘Apply Now’ option.
• A page will open up where you will have to fill in the details of PAN, Mobile Number, Email ID and the current Pincode.
• Agree to the terms and conditions by ticking the box in the left-hand corner.
• There is also a declaration that has to be accepted by ticking the box on the left-hand corner.
• Further, to verify the mobile number, click on the ‘Verify Mobile No’ tab.
• On verification of the mobile number, a list of best offers will be displayed on the screen.
• Choose ‘Platinum Aura Credit Card’ and click to continue.
• Click on the ‘Check Eligibility” tab against IndusInd Aura Credit Card
• There will be a pop-up message that says,’ Have you applied for this card in the last six months. We suggest you do not reapply within six months
• If you choose to continue, there will be an application form that you will have to complete and submit.
• A representative of the bank will contact you for further details. 

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Before applying for the IndusInd Bank Credit Card, you should consider the following.

• Do you really need a credit card? Are you going to use the credit card extensively?
• If you are going to use the credit card for all your purchases and bill payments, then it is worthwhile to apply for the card as you can earn attractive reward points. These reward points can be utilised to pay the credit card bill.
• The option to convert reward points to air miles can be an advantage if you are a frequent traveller.
• You should also consider the joining fee and the annual fee that has to be paid.
• Will you be able to make the payment of the total amount due in each billing statement? If you do not resort to the minimum amount of payment, then you can benefit from credit card usage. Else, you will be incurring additional expenses to the extent of 3.83% per month. 
• There are several advantages like comprehensive insurance that covers baggage loss, delayed baggage, passport loss, ticket loss and missed connection that can be useful if you are a frequent traveller.
• While on travel, you will be able to get discounts for various transactions that can be cost-saving.
• You can refrain from carrying heavy cash when you are travelling.

Deliberate on the above points, and if you feel that availing of an IndusInd Bank Credit Card is advantageous to you, then you can go ahead.

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