IndusInd Bank Platinum Credit Card
IndusInd Bank · Visa
Why this card?
- 0.4% back in reward points on eligible spends
- Lifetime free — no joining or annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- IndusInd Bank
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 0.4% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
IndusInd Platinum is the bank's basic lifetime-free entry card, with a minimum monthly income of ₹20,000. Rewards are minimal at about 0.4% back as points and the card has no premium perks. Best understood as a starter before upgrading to Platinum Aura Edge, Legend, or Pinnacle.
Pros
- Lifetime free — no joining or annual fee
- Low income requirement of ₹20,000 per month
- Fuel surcharge waiver
- Simple reward structure
Cons
- Very low reward earn rate of about 0.4% back as points
- No lounge access
- 3.5% forex markup
- Better entry cards exist at the same fee level from private banks