IndusInd Bank Platinum Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Earn 1.5 reward points for every ₹ 150 spent on this card (excluding fuel purchases). Receive a complimentary air accidental death cover worth up to ₹ 25 lakh. Enjoy a fuel surcharge waiver of 1%. Benefit from round-the-clock concierge services and auto assist.

The IndusInd Bank Platinum Credit Card is a versatile option for avid shoppers.

Boasting a zero joining fee and zero renewal fee, this card is light on the pocket and heavy on benefits.

Rewarding you with Reward Points (RPs), it truly maximizes your shopping experience.

With this card, you earn 1.5 RPs for every Rs. 100 spent on shopping, making it a lucrative choice for shopaholics.

Additionally, it offers 1.2 RPs for every Rs. 100 spent on utilities and insurance categories.

While the card does not offer specific welcome benefits or movie dining perks, its focus on shopping-related benefits is commendable.

In terms of travel benefits, domestic and international lounges and golf privileges are not covered.

However, the IndusInd Bank Platinum Credit Card provides a noteworthy insurance benefit.

You are entitled to a complimentary Air Accidental death cover worth Rs. 25 Lakhs, offering you peace of mind during your travels.

Unfortunately, this card does not offer any spend-based waiver, but it does require a rewards redemption fee of Rs. 100.

For international transactions, it is important to note that the card charges a foreign currency markup of 3.5% of the transacted amount.

The interest rate on this card is 3.83% p.m. (46% p.a.), which should be taken into account when managing your finances.

To sweeten the deal, the IndusInd Bank Platinum Credit Card also includes a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at all fuel stations in India.

If you require cash advances, be aware that a fee of Rs. 300 or 2.5% of the amount withdrawn (whichever is higher) applies.

In summary, the IndusInd Bank Platinum Credit Card is an excellent choice for individuals who love to shop.

With its rewards structure and insurance protection, it provides a well-rounded experience.

However, it may not be the ideal option for avid travelers or those seeking specific welcome benefits or movie dining perks.