IndusInd Rupay UPI

IndusInd Bank Platinum RuPay Credit Card Overview

Elevate Your Spending, Reward Your Lifestyle - with Platinum RuPay Credit Card.

Introducing one of the best IndusInd Bank credit cards in India – the Platinum RuPay Credit Card, a lifetime free card that enriches your spending experience. This innovative offering from IndusInd Bank, designed for the savvy spender, rewards you with 2 Reward Points for every Rs. 100 spent on UPI transactions. 

It's the perfect financial companion for those who frequently use UPI apps like Google Pay, PhonePe, and Paytm, providing a seamless way to earn rewards on daily expenses. As a Platinum cardholder, you enjoy the exclusivity and the convenience of the RuPay network, known for its wide acceptance. 

Whether you're a seasoned card user or exploring credit options for the first time, the Platinum RuPay Credit Card stands out with its benefits, making it an ideal choice for your wallet. Embrace the future of transactions with this lifetime free credit card that promises value with every swipe.

IndusInd Bank Platinum RuPay Credit Card Features & Benefits

The IndusInd Bank Platinum RuPay Credit Card stands out as one of the best credit cards in India, offering a plethora of features and benefits. It's a lifetime free card that rewards you every time you use it. With its wide acceptance and additional privileges, this card is designed to enhance your spending experience while offering substantial savings through rewards, making it an indispensable tool for smart spenders

IndusInd Bank Platinum RuPay Card UPI Benefits

If you are looking for a credit card that is easy to use and can be integrated with the UPI platforms easily, this is definitely one of the best selections. Also, the card is designed so that you can access all the features online, saving your time to a great extent. 

To link your card with the UPI applications, follow the simple steps below:

• Launch any UPI-enabled app on your smartphone, such as BHIM, PhonePe, Paytm, or Google Pay.
• Look for the option to add or link a new credit card within the app's payment settings.
• When prompted, choose IndusInd Bank from the list of credit card issuers.
• Identify and select your Platinum RuPay Credit Card from the options provided.
• Follow the prompts to create a new UPI PIN for your credit card.

Now, once you have linked your card, you can set the PIN using the following benefits:

• Within the UPI app, navigate to the 'Generate PIN' section and select your Platinum RuPay Credit Card.
• Input the last six digits of your card and the expiry date to receive a One-Time Password (OTP) on your registered mobile number.
• Enter the received OTP and choose a new UPI PIN according to your preference.

IndusInd Platinum Card UPI Payment Benefits

Making payments is easy once your card is linked and your UPI PIN is set. With just a click, you can amke the payments for anything you need without any hassle or delay at all. 

• Scan the merchant's QR code or input the merchant's UPI ID at the point of sale.
• Enter the payment amount manually if it isn’t automatically populated.
• Choose your Platinum RuPay Credit Card from your list of linked payment methods.
• Input your UPI PIN when prompted to validate the transaction and finalize the payment

IndusInd Platinum Card Insurance Benefits

Travel with peace of mind knowing that the IndusInd Bank Platinum RuPay Credit Card comes with a suite of travel insurance benefits, courtesy of a strategic partnership with The Oriental Insurance Company Ltd. These benefits are designed to protect you against unforeseen inconveniences that can disrupt your journeys, ensuring a more secure and hassle--free travel experience.

• Receive up to ₹1,00,000 for lost baggage, offering compensation for the inconvenience and loss.
• Get covered for up to ₹25,000 for delayed baggage, easing the stress of waiting for your belongings.
• Secure up to ₹50,000 coverage for loss of passport, providing support in the event of such a critical travel document going missing.
• Claim up to ₹25,000 for a lost ticket, mitigating the financial impact of losing your travel tickets.
• Benefit from up to ₹25,000 for missed connections, compensating you for disrupting your travel plans.
• Get the INR 25 Lakhs air accident cover to safeguard yourself and your family.

IndusInd Platinum Card Fuel Benefits

Experience the convenience of fueling up with the IndusInd Bank Platinum RuPay Credit Card, which liberates you from the extra charges at petrol stations. This card offers a waiver on fuel surcharges across India, letting you save more on travel expenses.

• Enjoy a 1% surcharge waiver on fuel purchases.

IndusInd Platinum Card Additional Benefits

As a cardholder, you enjoy privileges beyond the usual, providing more value on every transaction. This card complements your discerning taste, offering exclusive services and rewards that make every experience legendary. The added benefits are as follows:

• Enjoy a 3.5% discounted foreign currency markup fee on international transactions.
• Enjoy the concierge services well.
• Benefit from the lost card liability.
• Enjoy the benefit of online banking.
• Get the customer support services 24*7.

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IndusInd Bank Platinum RuPay Credit Card Reward Benefits 

The Platinum RuPay, with its exceptional reward structure, stands tall among the best shopping credit cards in India, offering a premium blend of benefits and versatility in rewards redemption tailored for the discerning shopper.

• For every ₹100 spent via UPI, amass 2 Reward Points, doubling the joy of your transactions.
• Every ₹100 spent on transactions other than UPI fetches you 1 Reward Point, keeping the rewards coming.
• Special merchant categories offer an earning of ₹0.70 for each ₹100 spent, applicable to both UPI and non-UPI transactions, enhancing your savings.
• Note that fuel purchases do not earn Reward Points, and points accrue up to your assigned credit limit each statement cycle.

IndusInd Platinum Card Reward Redemption Benefits

Elevate your spending power with one of the best rewards credit cards in India that offers diverse redemption choices. Turn your points into lifestyle rewards, airline miles with leading carriers, a statement credit to offset card bills, or pay directly for purchases. Indulge in a seamless redemption experience that rewards your every transaction.

• Redeem your points through IndusMoments for a vast array of lifestyle products and experiences.
• Convert your points to airline miles with InterMiles or Vistara, taking your travel aspirations to new heights.
• Opt for a Cash Credit to your card account, offsetting your expenses with the Reward Points earned.
• Utilize the Pay with Rewards feature to directly cover purchases using your accumulated points for instant gratification.

IndusInd Bank Platinum RuPay Credit Card Fees & Charges

The IndusInd Bank Platinum RuPay Credit Card is structured to provide value with a clear and competitive fee schedule, ensuring transparency and cost-effectiveness for cardholders seeking premium benefits without the burden of excessive charges.

Cash Advance Limit: 2.5% or INR 300 ( whichever is higher)

Over Limit Penalty: 2.5% or INR 500 ( whichever is higher)

Minimum Repayment Amount: 5% of the total amount due

Card replacement fees: INR 100

Duplicate statement charges: INR 100 / statement for more than 3 months

Late Payment Fees

• Below ₹100: ₹0
• From ₹101 to ₹500: ₹100
• From ₹501 to ₹1000: ₹350
• From ₹1001 to ₹10000: ₹550
• From ₹10001 to ₹25000: ₹800
• From ₹25001 to ₹50000: ₹1100
• Above ₹50000: ₹1300