IndusInd Bank Platinum Visa Credit Card - Features, Benefits, Fees & Charges

Induslnd Bank Platinum Visa Credit Card (3.9)

Regular Best For: Lifestyle
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The IndusInd Platinum Visa Credit Card is a high-end credit card designed for individuals who enjoy a luxurious lifestyle and travel frequently. You earn 1.5 reward points for every ₹150 spent, and the card offers complimentary travel insurance, access to airport lounges, discounts on flights and hotels, and much more. The joining fee for this card is ₹3,000. Keep reading to learn more.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus
  • Exciting offers and deals on premium brands such as Montblanc, Vero Moda, ALDO, and William Penn. 
  • Receive Luxe Gift Cards, Amazon gift cards, and Apollo Pharmacy gift cards.
Reward Points

Earn 1.5 reward points for every ₹150 spent. 

Reward Rate: 0.5% to 1.5%

Travel Benefit

A complimentary Priority Pass membership, which gives access to over 1,000 lounges worldwide.

Fuel Surcharge

1% waiver on fuel surcharge at all petrol pumps across India 

Note - It applies for all transactions between ₹400 and ₹4000.

Insurance Benefit
  • Get coverage for accidental air death, lost baggage, delayed baggage, loss of passport, lost ticket and missed connection.
  • The coverage amounts range from ₹25,000 to ₹1,00,000.

Concierge Services
  • Assistance for hotel/flight bookings is available 24x7 for IndusInd Platinum Visa Credit Card.
  • Phone: 1860 267 7777
  • Email: indulge.care@indusind.com
Other Benefit
  • Get 4 complimentary golf games and 4 lessons per year. 
  • Access to Auto Assist services such as roadside repair, emergency fuel supply, and emergency towing assistance.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹3,000

Annual Fee

Nil

Annual Percentage Rate

46%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.85
Late Payment Charges

Balance below ₹100

₹ 0

Balance from ₹101 to ₹500

₹ 100

Balance from ₹501 to ₹1000

₹ 350

Balance from ₹1001 to ₹10000

₹ 550

Balance from ₹10001 to ₹25000

₹ 800

Balance from ₹25000 to ₹50000

₹ 1100

Balance more than ₹50000

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. A wide range of offers and deals on premium brands.
  2. Priority Pass membership with lounge access.
  3. Cardholders can avail of dining discounts.
  4. Air accident cover and card liability protection.
Cons

Aspects this credit card lacks.

  1. Low reward points compared to other credit cards.
  2. It comes with a high joining fee.
  3. The card has a high-interest rate on outstanding balances.
  4. The card may not be accepted by all merchants, leading to inconvenience while using the card.
Induslnd Bank Platinum Visa Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3)

Customer Service

(3)

Induslnd Bank Platinum Visa Credit Card Review

The IndusInd Bank Platinum Visa Credit Card offers various benefits that may interest its users. For example, the card provides 24/7 concierge services to assist with travel and entertainment needs. Additionally, users can earn rewards with every purchase and receive discounts when dining out. The card also comes with comprehensive insurance coverage that includes protection against air accidents and lost cards, which offers an added sense of security. However, it's important to note that the card may not suit everyone. For instance, the card has a joining fee that some users may find expensive. Additionally, the benefits provided by the card may not be as useful or attractive to users who do not shop or travel frequently.

Overview

Card Type Mid-level Credit Card
Best Suited Shopping
Rewards 1.5 Rewards for every ₹150 spent excluding fuel
Annual Fee Nil
Joining Fee ₹3000

Who should get this card? 

The Indusind Platinum Visa Credit Card is a great choice for people who love to travel, shop and dine in style. It comes with amazing benefits like free fuel, travel insurance, and 24/7 help from a personal assistant. Plus, users don't have to worry about a fixed credit limit and paying too much when using it abroad. If a user wants a credit card that gives him/her top-notch perks and rewards for spending, the Indusind Platinum Visa Credit Card is worth considering.

Reward Points

Every ₹150 spent with the card results in 1.5 Reward Points.

  • For redemption against AirMiles, 100 Reward Points = 100 Airmiles.

  • For redemption against Cash Credit, 1 Reward Point = ₹0.85

  • The rewards points earned by the cardholder can be redeemed against AirMiles (InterMiles and Vistara) as well as Cash Credits and IndusMoments (which can be used to purchase select products and shopping vouchers).

  • AirMiles or Cash Credits can only be redeemed after accumulating 500 Reward Points.

  • Each statement cycle can redeem a maximum of 10,000 reward points.

How to apply for Induslnd Bank Platinum Credit Card?

Applying for the IndusInd Bank Platinum Visa Credit Card is simple and straightforward:

  • Go to the IndusInd Bank website.

  • Click on “Products” and “Select Cards”.

  • Select Credit Card.

  • Choose "Platinum Visa Credit Card."

  • Fill out the online application form with the personal, financial, and employment information

  • Submit the required documents, such as ID proof, address proof, and income proof.

  • Wait for the bank to process the application and run a credit check.

  • If approved, the bank will contact you with details on activating the card.

  • Once activated, start enjoying the various benefits and rewards of the IndusInd Bank Platinum Visa Credit Card.

Users can also apply for this card offline by visiting an IndusInd Bank branch and filling out a physical application form.

Induslnd Bank Platinum Visa Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
IndusInd Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

IndusInd Bank

IndusInd Bank Credit Card Customer Care Number:

1860 267 7777

IndusInd Bank Card Offers:

View Offers

Total Cards:

29,36,739
IndusInd Bank Credit Card News

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Induslnd Bank Platinum Visa Customer Reviews

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Frequently Asked Questions

The billing cycle will range from 20 to 40 days. Your credit card statement will be issued at the end of a billing cycle. This will be sent to you via e-mail or your communication address.

Privileges on food, lifestyle, and shopping are available with the IndusInd Platinum Card. You may acquire gift cards from popular brands like EazyDiner, Montblanc, Luxe Gift Card, The Postcard Hotel, and more as well as reward points for every transaction.

You must sign in to the rewards system in order to use your IndusInd credit card reward points online. According to your needs, you can use the reward points to purchase things or gift cards online. You can use the steps listed below to redeem your reward points online:

  • Step 1: Visit the IndusInd Bank rewards website, www.indusmoments.com.

  • Step 2: Choose a service category from the several that are provided.

  • Step 3: From the available selection, choose the item you wish to buy.

  • Step 4: Choose Redeem or Book Now according to your needs.

  • Step 5: Click the "Add to Cart" button to add things to the cart.

  • Step 6: To begin a transaction, click "Proceed to Checkout".

  • Step 7:Enter your credit card details and complete the transaction.

Platinum Credit Card offers a waiver for fuel surcharges. The 1% fuel cost exemption applies to transactions between Rs. 400 and Rs. 4000. The waiver is valid at all Indian gas stations.

Through the IndusInd Bank website, you may apply for a Platinum Visa Credit Card in 3 simple steps

Add your contact information.

The bank will find the best offer for you based on your information.

Digitally sign the application to finish it immediately. V-KYC

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