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IndusInd Bank · Visa · हिन्दी

IndusInd Platinum Credit Card: full review

The IndusInd Platinum Aura Edge is a solid lifetime free card for first-time credit card users. Consistent 1.5% cashback with lounge access at zero cost is hard to beat as a starter card.

Apply now ↗Annual fee: ₹0
Last updated: August 2026 · Current terms verified
INDUSIND BANK
VISA
)))
PLATINUM
ASHOK KUMAR
12/28
₹0 (lifetime free)Annual fee
1.5% cashback on all spends; 2X on weekend diningReward structure
2 visits/year (domestic)Lounge access

Key benefits of the IndusInd Platinum Credit Card

Lifetime free, zero annual fee1.5% cashback on all spends2X points on weekend dining2 domestic lounge visits/yearEasy online approval
Apply now ↗ Min. income: ₹3L+ per year · Credit score: 650+
Pros and cons
Pros
✓ Lifetime free with lounge access
✓ Consistent 1.5% on everything
✓ Easy approval for first-time applicants
✓ No minimum spend requirement
Cons
✗ Only 2 lounge visits/year
✗ Lower cashback than category-specific cards
✗ Limited premium benefits
Quick facts
Issuer IndusInd Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 (lifetime free)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 visits/year (domestic)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+
SourceIndusInd Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for IndusInd Platinum Credit Card is ₹0 (lifetime free). This card is lifetime free with no annual fee.
The main benefits of the IndusInd Platinum Credit Card are: Lifetime free, zero annual fee; 1.5% cashback on all spends; 2X points on weekend dining; 2 domestic lounge visits/year; Easy online approval.
1.5% cashback on all spends; 2X on weekend dining
IndusInd Platinum Credit Card is best for Lifetime free with consistent cashback. The IndusInd Platinum Aura Edge is a solid lifetime free card for first-time credit card users. Consistent 1.5% cashback with lounge access at zero cost is hard to beat as a starter card.
The minimum income requirement for IndusInd Platinum Credit Card is ₹3L+ per year. A minimum credit score of 650+ is also recommended.
Yes, IndusInd Platinum Credit Card offers 2 visits/year (domestic).
IndusInd Platinum Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Cashback Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Students →
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