Key features
- RuPay card linked to UPI; pay by scanning any UPI QR through BHIM, Google Pay, PhonePe, or Paytm
- 2 reward points per ₹100 on UPI spends, 1 point per ₹100 on other spends, at ₹0.35 a point
- ₹0.70 per ₹100 cash value on select merchant categories
- Lifetime free on the product page: zero joining fee and zero annual fee
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- Cash redemption capped at 2,500 reward points a calendar month
- Travel insurance covering lost baggage up to ₹1,00,000, passport loss ₹50,000, and missed connection ₹25,000
- Total Protect cover against unauthorised transactions up to the credit limit
Rewards
| Category | Rate | Detail |
|---|---|---|
| upi | 2× | 2 reward points per ₹100 on UPI merchant transactions, versus 1 point per ₹100 otherwise |
| Default earn rate | 1× | All other eligible retail spends |
Fees
| Joining fee | ₹0 |
| Annual fee | ₹0 |
Eligibility
Frequently asked questions
Is the IndusInd Platinum RuPay Credit Card lifetime free?
The live IndusInd product page markets it as lifetime free, with zero joining fee and zero annual fee. One caveat: the bank's consolidated Premium-card MITC lists a ₹10,000 joining fee against this card, so the two official sources disagree. Confirm the fee in writing before accepting the card.
How do rewards work on the IndusInd Platinum RuPay card?
UPI merchant spends earn 2 reward points per ₹100, and other spends earn 1 point per ₹100, with each point worth ₹0.35 on cash redemption. That is about 0.7% back on UPI and 0.35% on swipes. Cash redemption is capped at 2,500 points a month.
Can the IndusInd Platinum RuPay card be used for UPI payments?
Yes. As a RuPay credit card it links to UPI apps like BHIM, Google Pay, PhonePe, and Paytm, so you can scan UPI QR codes and pay from the credit line at merchants that accept UPI but not cards. UPI spends also earn the higher 2-points-per-₹100 rate.
Does the IndusInd Platinum RuPay card offer lounge access?
No. The card carries no complimentary domestic or international lounge access. Its value is the UPI reward rate and the lifetime-free positioning, so it works best as a free secondary card rather than a travel card.
Ready to apply for the IndusInd Bank Platinum RuPay Credit Card?
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