IndusInd Platinum RuPay Credit Card: Fees, Rewards & Benefits
Rewards card
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The IndusInd Platinum RuPay is a lifetime-free UPI-enabled card that earns 2X on merchant UPI payments and bundles surprisingly strong free travel insurance and fraud cover. Its low 0.35/point value and complete lack of lounge access keep returns and perks modest.
Rewards card
The Bottom Line
The IndusInd Platinum RuPay is built for upi-first spender and no-fee insurance seeker. With no annual fee, it offers 0.7% rewards on other and personal air accident cover. It makes the most sense if your spending matches upi-first spender and no-fee insurance seeker.
It earns a base reward rate of 0.7% and stacks best when your spending lines up with UPI-first spender, No-fee insurance seeker.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers who pay merchants via UPI and want a free RuPay card earning 2X on those spends with strong insurance.
Those wanting a lifetime-free card with Rs.25 lakh air accident cover and Total Protect fraud protection.
Probably not for
SkipZero lounge access and a high forex markup make it unsuitable for frequent or international travellers.
The 0.35/point value keeps even the 2X UPI rate below 1% effective return.
Is It Worth It For You?
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Reward Rates
IndusInd Platinum RuPay offers 0.7% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 700
- Age 18-65, min monthly income Rs 20,000 (salaried) / Rs 6 lakh annual ITR (self-employed); CIBIL 700+; lifetime-free RuPay card.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Withdrawal / Cash Advance
- Cash withdrawal at merchants and ATM is a restricted transaction on credit card via UPI and does not earn reward points.
Peer-to-peer (P2P) / Money transfer via UPI
- Restricted transaction type on credit card via UPI; only merchant payments are permitted. P2P payments are not allowed.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IndusInd Bank website.
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