IndusInd Bank Platinum Aura Edge Credit Card - Flexible Rewards & Cashback
13 Jan 2025 5 mins Credit Cards
The IndusInd Bank Platinum Aura Edge Credit Card is a perfect blend of luxury, convenience, and benefits. Whether you are looking to save on shopping, dining, travel, or household expenses, this credit card offers tailored plans to suit your lifestyle. Let’s explore everything you need to know about the Platinum Aura Edge Credit Card, including its annual fee, benefits, and charges.
Key Features of the Platinum Aura Edge Credit Card
Contactless Payment Technology:
Convenience: Just tap your card at a compatible terminal for instant payment—no need to enter a PIN for small transactions.
Security: Advanced chip-based technology ensures secure transactions, both online and offline.
Global Usability: Accepted at over 30 million outlets worldwide and 10 lakh merchants in India.
Reward Plans That Match Your Lifestyle
1) Choose from Four Flexible Reward Plans
Shop Plan: Best for frequent shoppers and those who spend on electronics and departmental stores.
Home Plan: Ideal for managing household expenses like groceries, medical bills, and utilities.
Travel Plan: Tailored for frequent travelers with rewards on flights, hotels, and car rentals.
Party Plan: Perfect for those who enjoy dining out, bars, and entertainment.
2) Earn Reward Points Effortlessly
Earn up to 8X reward points for every ₹100 spent in select categories.
Redeem your reward points for credit card dues or convert them into airline miles.
Understanding the Platinum Aura Edge Credit Card Annual Fee
Fee Structure
The annual fee for the Platinum Aura Edge Credit Card varies depending on the chosen fee plan. While some plans come with a nominal fee, others offer welcome gifts that make the fee worthwhile. Always check the specific terms for your selected plan to maximize value.
Platinum Aura Edge Credit Card Benefits
Comprehensive Lifestyle Benefits
Dining Privileges: Earn up to 4X reward points on restaurant bills.
Shopping Offers: Enjoy discounts and vouchers from brands like Amazon, Flipkart, and Pantaloons.
Fuel Savings: Avail a 1% fuel surcharge waiver at petrol pumps across India.
Exclusive Travel Perks
Insurance Coverage: Get up to ₹1 lakh for lost baggage and ₹25,000 for delayed baggage.
Personal Accident Insurance: Complimentary air accident insurance of up to ₹25 lakh.
Missed Connections: Coverage of up to ₹25,000 for missed connections.
Platinum Aura Edge Credit Card Charges
Feature | Details |
Interest Rates | Competitive rates applied on revolving credit balances. |
Late Payment Fees | Applicable if the minimum due is not paid on time. |
Overlimit Fees | Charges incurred if your spending exceeds the credit limit. |
Transparency in Fees and Charges
The Platinum Aura Edge Credit Card offers a clear fee structure to ensure you’re never caught off guard. Here are some common charges:
Interest Rates: Competitive rates applied on revolving credit balances.
Late Payment Fees: Applicable if the minimum due is not paid on time.
Overlimit Fees: Charges incurred if your spending exceeds the credit limit.
Maximizing Rewards with the Platinum Aura Edge Credit Card
1) Platinum Aura Shop Plan
Category: Shopping at departmental stores
Reward Rate: 4 points per ₹100 spent
Annual Savings: Save ₹800 for ₹20,000 spent annually.
2)Platinum Aura Travel Plan
Category: Hotel stays
Reward Rate: 4 points per ₹100 spent
Annual Savings: Save ₹1,400 for ₹35,000 spent annually.
Why Choose the Platinum Aura Edge Credit Card?
Tailored Rewards
Align rewards with your spending habits to maximize benefits.
Flexible redemption options, including credit card dues and airline miles.
Enhanced Security
Chip-based technology ensures secure transactions.
Complimentary insurance protects against unauthorized usage and fraud.
Value for Money
Minimal annual fees with substantial rewards.
Significant savings across multiple categories, including shopping, dining, and travel.
Conclusion
The Platinum Aura Edge Credit Card is more than just a financial tool; it’s a lifestyle enabler. With its tailored reward plans, robust security features, and unmatched benefits, this card is perfect for high-achievers who want to make the most of their spending. From saving on everyday purchases to enjoying exclusive travel perks, this credit card is designed to enhance every aspect of your life. Explore the Platinum Aura Edge Credit Card benefits today and experience a world of convenience and rewards.
FAQs
Q1: What is the annual fee for the Platinum Aura Edge Credit Card?
The Platinum Aura Edge Credit Card annual fee varies based on the chosen fee plan. Some plans include welcome gifts that offset the fee.
Q2: What are the key benefits of the Platinum Aura Edge Credit Card?
Key benefits include up to 8X reward points, lifestyle discounts, fuel surcharge waivers, and comprehensive travel insurance.
Q3: Are there any hidden charges for the Platinum Aura Edge Credit Card?
No, the Platinum Aura Edge Credit Card charges are transparent and include standard fees like interest rates, late payment fees, and overlimit charges.
Q4: Can I redeem reward points for cash?
Reward points can be redeemed for credit card dues or converted into airline miles, providing flexibility and value.
Q5: Is the Platinum Aura Edge Credit Card suitable for frequent travelers?
Yes, with its travel-centric reward plan and insurance coverage, the card is ideal for frequent travelers.
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Author - Abhishek Sonawane
Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.