Verify your identity to get your credit score and analysis worth ₹1200 for FREE

Why should I give my PAN?
PAN is required to identify your profile and fetch your credit score from the credit bureau
I am
I am

By applying for my credit score, I agree to the


  • Per 100₹ spent on,
    • Shopping in departmental stores - Get 4 savings points
    • Purchase of consumer durables or electronic items – Get 2 savings points
    • Restaurant bills – Get 1.5 savings points
    • Books – Get 1.5 savings points
    • All Other Spends – Get 0.5 savings points
  • Redeem your Reward Points from The More Store, Cash Credit for 1 RP = INR 0.50, Airline Miles on partner airlines, Genesis Luxury Vouchers, Oberoi Hotels & Resorts Stay vouchers
  • Fuel Surcharge waiver for transactions between INR 400 to 4000


  • APR – 46%
  • Annual fees - 0
  • Joining fees – 0

Documents Required

  • Duly filled and Signed application Copy.
  • KYC documents ( List attached)
  • Address proof of latest address - In case permanent address proof provided as part of KYC address proof.
  • Pay Slip of last three months
  • Salary Bank account mandatory to be filled in application Copy.
Sorry! We couldn't find any offer matching this category.

IndusInd Bank Credit Cards

Based in Mumbai, IndusInd Bank was established in 1994. The bank offers a wide range of commercial, transactional and electronic banking products and services. IndusInd Bank is the first among the new-generation private banks in India. The bank has 1004 branches and 1885 ATMs across 625 locations in India. IndusInd Bank provides tailor made products to satisfy each customer requirement which can clearly be seen in their credit card offers.

Types of Credit Cards Offered by IndusInd Bank

IndusInd Bank offers multiple types of credit cards like

Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs.

Travel: These are credit cards made for people who love to travel and get benefits in form of reward points or miles which can be redeemed for attractive gifts or free tickets

Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month.

The Platinum Aura Edge

IndusInd Bank provides unique a feature with their credit card as in the customer can choose the benefits that they require from the following

The Platinum Aura Edge Shop Plan

The Platinum Aura Edge Shop Plan highlights:

  • Shopping in Departmental Stores: Enjoy 4 Reward Points and above all the promotional schemes at various stores and shop till you drop.
  • Purchase of Consumer Durables or Electronic Items: Earn 2 Reward Points on purchase of Consumer Durables or Electronic Items
  • Restaurant Bills: Earn 1.5 Reward Points on your entire bill including food, drinks and tax.
  • Books: Earn 1.5 Reward Points on purchase of books.
  • Any other spends on your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.

The Platinum Aura Edge Home Plan

The Platinum Aura Edge Home Plan highlights:

  • Grocery: Make buying groceries even more exciting with 4 Reward Points on your total grocery and supermarket expenses.
  • Cellphone Bills: Pay cellphone bills through your card and earn 2.5 Reward Points on your total bill amount.
  • Electricity Bills: Pay electricity bills through your card and earn 2.5 Savings Points on your total bill amount.
  • Insurance Premium: Pay your insurance premium with your card and earn up to 1.5 Reward Points.
  • Medical Spends: Enjoy 1.5 Reward Points on medical expenses.
  • Any other spends on Your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.

The Platinum Aura Edge Travel Plan

The Platinum Aura Edge Party Plan highlight:

  • Hotel Expenditure: Enjoy up to 4 Reward Points with your card every time you check out of a hotel.
  • Airline Ticket: Earn up to 2.5 Reward Points on the air ticket prices each time you use your card to make the payment.
  • Car Rental Expenses: Earn 1.5 Reward Points on your car rental expenses.
  • Railway Tickets: Travelers rejoice, you can earn 1.5 Reward Points on your railway ticket for bookings done through IRCTC.
  • Any other spends on Your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.

The Platinum Aura Edge Party Plan

The Platinum Aura Edge Party Plan highlight:

  • Restaurant Bills: Earn 4 Reward Points on your entire bill including food, drinks and tax.
  • Shopping in Departmental Store: Enjoy 2 Reward Points over and above all the promotional schemes at various stores, and shop till you drop.
  • Parties in Bars and Pubs: Whether you decide to let your hair down at the trendiest discotheque in the city or just chill out with your pals at a popular pub, you will earn up to 2 Reward Points on your bill amount.
  • Movies Tickets: Going for a movie? Get a total of 1.5 Reward Points when you buy movie tickets.
  • Any other spends on Your Card apart from the above listed categories; you earn 0.5 Reward Points for every Rs.100 spent.

Why choose IndusInd Bank Credit Cards

IndusInd Bank provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.

Apply for IndusInd Bank Credit Card

Knowing the need of the customer and making it comfortable for them IndusInd Bank provides multiple ways by which an individual can apply for a credit card.

Apply for IndusInd Bank Credit Card Online

IndusInd Bank Website

You can go to IndusInd Bank website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you make sure your card application is not rejected and thus your credit score is not affected.

IndusInd Bank Credit Card Eligibility and Documentation


There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are

AgeMinimum 21 years
Maximum 65 years
Employment TypeSalaried or Self-employed
Employment statusEmployed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum IncomeThis varies from card to card, but minimum salary required is Rs.3 lakhs per annum
Credit ScorePreferred 750

These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.


The documentation required for an IndusInd Bank Credit Card is very simple. You will require the following:

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

IndusInd Bank Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you

1. Sign on bonuses: Some of the credit cards from IndusInd Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your IndusInd Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your IndusInd Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some IndusInd Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

IndusInd Bank Credit Card FAQ

What is the eligibility criteria for getting IndusInd Bank Credit Card?

You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.

How to do IndusInd Bank credit card bill payment?

You can pay the bill on the IndusInd Bank website by logging into their internet banking portal or you can download their mobile app which also has the option of IndusInd Bank credit card bill payment. The offline method is where you can pay your bill at any IndusInd Bank branch.

Why was my IndusInd Bank credit card application rejected?

It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact IndusInd Bank credit card customer care for further information.

How can I check my credit card usage?

You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.

About dvweek

dvweek pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free.

Click here to sign up and apply for loans and credit cards, the dvweek way!

dvweek Youtube
×Thank you! Your comment will be reviewed and posted shortly.

Write a review