IndusInd Platinum

Product Overview

Eligibility Criteria

✔️ Applicant must be an Indian resident.

✔️ Age: 18 to 70 Years.

✔️ Salaried or Self-Employed Individual.

✔️ Minimum Net Monthly Income: ₹20,000.

✔️ Good CIBIL Score (750+ preferred).

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

Features and Benefits

✔️ Earn 1.5 Reward Points for every ₹150 spent on retail transactions.

✔️ Reward Points can be redeemed against popular brands including Amazon, Flipkart, Uber, Ola, Apollo Pharmacy and more.

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

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

✔️ Comprehensive Travel Insurance Benefits.

✔️ Comprehensive Golf Program Benefits.

✔️ Contactless Payment Technology for secure transactions.

✔️ Reward Points help maximize savings on everyday spending.

✔️ 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: Up to 3.95% per month (47.40% p.a.).

✔️ Cash Withdrawal Charges: 2.5% of amount withdrawn or ₹300, whichever is higher.

✔️ Forex Markup Fee: 3.5%.

✔️ 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)

✔️ Passport Size Photograph (if applicable)

FAQs

Q1. Is IndusInd Platinum Visa Credit Card Lifetime Free?

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

Q2. How many Reward Points can I earn?

Ans. You earn 1.5 Reward Points for every ₹150 spent on eligible retail transactions.

Q3. Does the card provide insurance coverage?

Ans. Yes, it offers Personal Air Accident Insurance Cover up to ₹25 lakh along with travel-related insurance benefits.

Q4. Is fuel surcharge waiver available?

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

Q5. Who should apply for this card?

Ans. Individuals looking for a lifetime free credit card with rewards, insurance benefits, fuel savings, and lifestyle privileges.

Terms & Conditions

✔️ Reward Points are credited only on eligible transactions.

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

✔️ Insurance benefits are subject to policy terms and conditions.

✔️ Reward redemption is governed by the bank's rewards programme guidelines.

✔️ Approval is subject to bank verification and credit assessment.