IndusInd Bank Platinum RuPay Credit Card
Lifetime Free RuPay credit card with 2X rewards on UPI spends and domestic lounge perks.
Overview
The IndusInd Bank Platinum RuPay Credit Card bridges the gap between traditional credit card perks and daily merchant digital payments. Offered primarily as a Lifetime Free (LTF) option, it doubles your reward generation velocity for scan-and-pay transactions and adds domestic lounge access via the RuPay network.
Features & Benefits
Joining & Renewal Benefits
Access to brand discount vouchers matching your profile tier upon successful card setup and digital onboarding.
Lifetime Free card with zero annual recurring fees.
Cashback & Rewards
- • Vouchers / Merchandise Catalogue: 1 RP = ₹0.60 on the IndusMoments portal.
- • Cash Credit: 1 RP = ₹0.35 to ₹0.40 as statement credit, capped at 2,500 points per month.
- • AirMiles: 1 RP = 1 AirMile / CV Point on partner airlines.
- • Special categories: 0.70 Reward Points for every ₹100 spent on select utility/insurance merchants.
Reward redemption is managed online through the IndusMoments portal. Users can redeem points for vouchers, merchandise, statement credit, AirMiles, or use Pay with Rewards at partner checkouts.
Lifestyle Benefits
- • 2 complimentary domestic lounge visits per quarter via the RuPay Select platform framework.
- • Includes access to exclusive terminal setups like the RuPay lounge at DEL T3, subject to localized capping rules.
- • Personal Air Accident Protection Cover: Up to ₹25 Lakhs.
- • Lost Baggage compensation: Up to ₹1,00,000.
- • Delayed Baggage cover: Up to ₹25,000.
- • Loss of Passport recovery indemnity: Up to ₹50,000.
- • Lost Ticket / Missed Connecting Flight support: Up to ₹25,000.
- • Total Protect Program covers unauthorized transaction fraud, counterfeit card duplication, and physical card theft.
- • Roadside Auto-Assist includes 24x7 breakdown support, tire changes, urgent towing, and roadside fuel drops.
Uncapped 1% fuel surcharge waiver across all petrol pumps in India on individual bills between ₹400 and ₹4,000.
3.5% on international transactions. Finance charges are 3.95% per month / 47.40% per annum.
Fees & Charges
- • 100% Lifetime Free with 2X reward multiplier on small digital merchant QR scans.
- • Rare inclusion of free domestic lounge access, up to 8 visits per year, on an LTF starter card.
- • Direct integration into third-party payment systems like GPay, PhonePe, or Paytm via the RuPay framework.
- • Highly competitive insurance portfolio and free emergency roadside help.
- • Base cash credit statement value is low at ₹0.35 - ₹0.40 per point.
- • Monthly statement cash redemption is capped at 2,500 reward points.
- • Fuel purchases do not yield reward points.
- • Restricted transactions include P2P transfers, digital account openings, lending platforms, e-RUPI, IPO funding, and mutual fund transfers.
Available with identical limits and zero extra setup charges.
- • Age: 21–60 years.
- • Indian Resident.
- • Available for thin-file / beginner-tier consumers looking to establish a credit profile via digital applications.