IndusInd Aura Edge

Product Overview

Eligibility Criteria

✔️ Applicant must be an Indian resident.

✔️ Age: 18 to 70 Years.

✔️ Salaried or Self-Employed Individual.

✔️ Stable Source of Income.

✔️ Good CIBIL Score (750+ preferred).

✔️ Subject to IndusInd Bank's credit assessment and verification process.

Features and Benefits

✔️ Choose from 4 Reward Plans:

Shop Plan
Home Plan
Travel Plan
Party Plan

✔️ Earn up to 8X Reward Points on select merchant categories.

✔️ Reward Points Never Expire.

✔️ Convert Reward Points into Cash Credit or redeem against rewards.

✔️ 1% Fuel Surcharge Waiver across fuel stations in India.

✔️ Complimentary Personal Air Accident Insurance Cover up to ₹25 Lakh.

✔️ Travel Insurance Benefits including:

Lost Baggage Cover
Delayed Baggage Cover
Loss of Passport
Lost Ticket Cover
Missed Connection Cover

✔️ Contactless Payment Technology for fast and secure transactions.

✔️ Interest-Free Credit Period of up to 50 Days.

Fees & Charges

✔️ Joining Fee: Nil.

✔️ Annual Fee: Nil (Lifetime Free).

✔️ Add-on Card Fee: Nil.

✔️ Finance Charges: 3.95% per month (47.40% p.a.).

✔️ Interest-Free Period: Up to 50 Days.

✔️ Cash Advance Charges: As per bank policy.

✔️ Late Payment Charges: As per applicable statement balance slabs.

Documents Required

✔️ PAN Card

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / Form 16 / ITR)

✔️ Bank Statements (Last 3–6 Months)

FAQs

Q1. Is IndusInd Aura Edge Credit Card Lifetime Free?

Ans. Yes, the card comes with zero joining fee and zero annual fee.

Q2. What makes Aura Edge different from other cards?

Ans. The card allows users to choose from four lifestyle-based reward plans and earn accelerated reward points accordingly.

Q3. Do Reward Points expire?

Ans. No, reward points earned on the card do not expire.

Q4. Does the card offer fuel benefits?

Ans. Yes, cardholders receive a 1% fuel surcharge waiver on eligible fuel transactions.

Q5. Does the card provide insurance coverage?

Ans. Yes, the card offers personal air accident insurance and travel insurance benefits.

Terms & Conditions

✔️ Reward earning varies according to the selected reward plan.

✔️ Fuel surcharge waiver is available on eligible fuel transactions only.

✔️ Insurance benefits are subject to policy terms and conditions.

✔️ Reward Points can be redeemed as per the IndusMoments rewards program.

✔️ Approval is subject to bank verification and credit policies.