IndusInd Platinum RuPay Card

Key Features & Benefits

The IndusInd Platinum RuPay Card is designed for users seeking a cost-effective credit card with valuable everyday benefits. As a lifetime free card with no joining or annual fees, it provides excellent savings for those who prefer to avoid hidden charges. The card rewards customers generously on UPI transactions, offering 2 reward points per ₹100 spent, which makes it highly attractive for digital payment enthusiasts and frequent UPI users. Non-UPI spends also earn rewards, helping users accumulate points on various purchases.

Additionally, the card offers a fuel surcharge waiver, which lets cardholders save on fuel expenses—a real-life perk for drivers. With a simple rewards structure and no complicated terms, the card suits salaried individuals, business owners, and self-employed professionals looking for a basic yet rewarding credit option without the burden of fees. While it lacks premium perks like airport lounge access, the IndusInd Platinum RuPay Card’s low-cost benefits, reward points on everyday transactions, and fuel surcharge waiver make it a practical and accessible choice for regular spenders prioritizing value and savings.

All You Need to Know About: IndusInd Platinum RuPay Card

The IndusInd Platinum RuPay Credit Card is a lifetime free credit card offered by IndusInd Bank that comes with no joining or annual fees. It is designed for users who want a simple, cost-effective card for everyday digital payments, especially on UPI platforms. The card rewards users with 2 reward points per ₹100 spent on UPI transactions and 1 point per ₹100 on other spends, making it an attractive option for frequent digital wallet and UPI users. Additionally, the card offers a fuel surcharge waiver of 1% on fuel transactions between ₹400 and ₹4,000.

This card does not provide premium travel benefits like airport lounge access but focuses on practical everyday perks and a straightforward fee structure. It charges an interest rate of around 3.95% per month on unpaid balances and a foreign currency markup fee of about 1.8% on international spending. Cash advances attract a charge of 2.5% of the amount withdrawn or a minimum ₹300, and late payments or over-limit transactions incur nominal fees.

Ideal for salaried individuals, business owners, and self-employed professionals, the IndusInd Platinum RuPay Card helps users save on fuel charges and earn rewards on digital transactions without the burden of fees. It is suited for those who prioritize simple rewards and cost-effective credit card usage. The card can be applied for easily online through the official IndusInd Bank website, ensuring quick access and convenience for prospective users.

Pros & Cons

How to Apply

1. Visit the official IndusInd Bank Platinum RuPay Credit Card application page.

2. Click the “Apply Now” button to start your online application.

3. Fill out the form with your personal details such as name, contact information, and income details.

4. Complete the video KYC or document verification as required and submit your application.

Detailed Fee Structure

The IndusInd Platinum RuPay Credit Card comes with zero joining and annual fees, making it a truly lifetime free credit card with no hidden charges. This makes it an affordable option for users who want to enjoy credit card benefits without worrying about recurring fees. The card charges an interest rate of 3.95% per month (approximately 47.4% per annum) on any unpaid balance. Additionally, it levies a foreign exchange markup fee of 1.8% on international transactions.

Other ancillary fees include cash advance charges of 2.5% of the withdrawal amount (minimum ₹300), over-limit charges of 2.5% or ₹500 whichever is higher, and late payment fees ranging from ₹100 to ₹1,300 based on the outstanding amount. Fuel surcharge waiver of 1% is available on fuel transactions between ₹400 and ₹4,000. Services like statement copy requests and returned payments attract nominal fees, ensuring transparent and straightforward charges throughout the card’s use.

Who Should Get This Card?

The IndusInd Platinum RuPay Card is best suited for digital-savvy users who primarily use UPI for transactions and want a no-cost, lifetime free credit card. It appeals to salaried professionals, business owners, and self-employed individuals seeking basic rewards on everyday spends without worrying about joining or annual fees. Ideal for users looking for fuel surcharge waivers and simple, transparent charges, this card is not tailored for travelers or luxury benefits seekers but perfect for those who want easy rewards and savings on routine payments.

Alternatives & Competitor Comparison

Feature	IndusInd Platinum RuPay Card	Axis Bank My Zone Credit Card
Card Image
Card Network	RuPay	Mastercard, RuPay, Visa
USP	The IndusInd Platinum RuPay Card is a lifetime free, no-fee credit card ideal for frequent UPI users, offering rewarding cashback and points on digital payments with seamless fuel surcharge waivers and simple, cost-effective benefits	Axis Bank My Zone Credit Card is designed for lifestyle-savvy users who want maximum savings on dining, streaming subscriptions, bill payments, and online orders. Enjoy exclusive cashback offers, reward points on everyday spends, and hassle-free UPI transactions, making it a smart choice for millennials and frequent spenders seeking convenience and value.
Annual Fee	N/A	500 Lifetime free for select channels
Joining Fee	N/A	500 Lifetime free for select channels
Welcome Benefits	N/A	Complimentary SonyLiv Premium annual subscription worth ₹1,499 on your first card transaction within 30 days of issuance
Lounge Access	N/A	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months
Reward Rate	2 reward points per ₹100 spent on UPI transactions and 1 reward point per ₹100 on other spends	Earn 4 EDGE reward points for every ₹200 spent (reward rate ~0.4%).
Interest Rate	3.83% per month (around 46% per annum)	3.75% per month (equivalent to approx. 46.78% per annum) on unpaid amounts and cash advances.
Best For	UPI	Food Ordering, Movies
Apply Now	Apply Now	Apply Now

Frequently Asked Questions