Introduction
The IndusInd Bank Platinum Aura Edge Visa Card is designed to provide a seamless blend of rewards and privileges tailored for everyday spending. This card offers a variety of benefits, including cashback, reward points, and lifestyle privileges, making it a versatile option for a broad range of users. In this comprehensive review, we delve into its key features and benefits to help you determine if it meets your financial needs.
Table of Contents
Overview
| Feature | Details |
|---|---|
| Card Type | Rewards Credit Card |
| Reward Rate | Up to 4 Reward Points per ₹100 spent |
| Annual Fee | ₹999 + GST |
| Unique Selling Points | Cashback, reward points, lifestyle privileges |
| Rating (out of 5) | 4.2 |
Joining Fees
| Fee Type | Details |
|---|---|
| Joining Fee | ₹999 + GST |
| Renewal Fee | ₹999 + GST |
| Welcome Benefits | NA |
| Renewal Fee Waivers | Waived off on spending ₹1 lakh annually |
Membership Benefits
The IndusInd Bank Platinum Aura Edge Visa Card offers a range of membership benefits that enhance your daily spending experience:
- Cashback: Get cashback on select categories like fuel, utility bills, and grocery.
- Reward Points: Earn up to 4 Reward Points for every ₹100 spent on retail purchases.
- Lifestyle Privileges: Access to exclusive lifestyle privileges, including dining and wellness offers.
- Concierge Services: 24×7 concierge services for travel, dining, and entertainment.
Rewards
| Spend Category | Reward Rate |
|---|---|
| Retail Spending | Up to 4 Reward Points per ₹100 spent |
| Utility Bills | 1 Reward Point per ₹100 spent |
| Fuel Spending | 1 Reward Point per ₹100 spent |
| Reward Points Cap | No cap on reward points |
Milestone Benefits
| Spending Milestone | Reward Earned |
|---|---|
| ₹1 Lakh Spent Annually | Annual fee waiver |
| NA | NA |
Redemption
Cardholders can redeem their Reward Points through various channels:
- Travel: Book flights and hotels via the IndusInd Bank travel portal.
- Merchandise: Choose from a wide range of products at the rewards store.
- Gift Vouchers: Redeem points for gift vouchers from leading brands.
- Cashback: Convert points into cashback credited to your card account.
Airport Lounge Access
| Access Type | Details |
|---|---|
| Domestic Lounges | 2 complimentary visits per quarter |
| International Lounges | NA |
| Add-on Cardholder Benefits | Same benefits as primary cardholder |
Airport Transfers
The IndusInd Bank Platinum Aura Edge Visa Card does not offer complimentary airport transfer services. However, cardholders can benefit from other travel-related discounts and offers.
Forex Markup Fee
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% of the transaction amount |
| Reward Rate for International Spends | Up to 4 Reward Points per ₹100 spent |
Eligibility
To apply for the IndusInd Bank Platinum Aura Edge Visa Card, applicants must meet the following criteria:
- Age: Minimum 21 years old
- Income: Minimum annual income as required by the bank (varies by region)
- Credit Score: Good credit history
How to Apply?
Applying for the IndusInd Bank Platinum Aura Edge Visa Card is straightforward:
- Online Application:
- Visit the IndusInd Bank website.
- Navigate to the “Credit Cards” section and select the “Platinum Aura Edge Visa Card”.
- Click on the “Apply Now” button and fill out the required personal and financial information.
- Submit the necessary documents online as per the instructions.
- Offline Application:
- Visit the nearest IndusInd Bank branch.
- Request an application form for the Platinum Aura Edge Visa Card.
- Fill out the form with accurate details and attach the required documents.
- Submit the form at the branch and await approval.
Card Review
The IndusInd Bank Platinum Aura Edge Visa Card is a well-rounded option for individuals looking for a rewards credit card with diverse benefits. Its combination of cashback, reward points, and lifestyle privileges makes it a versatile choice for everyday use.
Rating: (out of 5)
- Overall Rating: 4.2
- Benefits: 4.5
- Fees: 3.8
- Customer Service: 4.0
Pros and Cons
Advantages of the Credit Card:
- Up to 4 Reward Points per ₹100 spent on retail purchases.
- Cashback on fuel, utility bills, and groceries.
- Complimentary domestic lounge access.
Potential Drawbacks:
- No international lounge access.
- High forex markup fee of 3.5%.
- Annual fee waiver requires spending ₹1 lakh annually.
For those interested in applying for the card, you can follow these simple steps and start enjoying the exclusive benefits offered by IndusInd Bank. Visit the official IndusInd Bank website to get started on your application.
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For more detailed information about IndusInd Bank credit cards and other financial products, you can visit the official IndusInd Bank website. Here are some links to relevant resources:
