Credit Card Compare

IndusInd Bank Platinum RuPay Credit Card

Data last updated 25 October 2026
47.40%
Purchase rate
₹10,000
Annual fee
Not published
Interest-free

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Application

CardIQ

30Basic

Basic

Overall score, out of 100 · How this works

  • Rewards30

Customer reviews

No reviews yet. Be the first to review the IndusInd Bank Platinum RuPay Credit Card.

Pros & cons

What's good

  • Earns 2 Reward Points per ₹100 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹10,000; no annual fee from year 2 (lifetime free thereafter). No add-on card fee. GST applicable on fees at current rate. No spend-based waiver mentioned for joining fee. The ₹10,000 annual fee is still high for a Platinum card, where the typical fee is about ₹1,000.
  • The 47.4% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns 1 Reward Point per ₹100 on everyday spend, below the dataset average.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IndusInd Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
47.40% p.a.
Purchases
47.40% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹10,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
2% of Total Amount Due or such other amount as may be determined by IndusInd Bank at its sole discretion

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 Reward Point per ₹100
Bonus categories
2 Reward Points per ₹100 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Rewards value₹1,080 a yearNot as good as most cards (46th of 61 cards)
Purchase rate47.40%Not as good as most cards (72nd of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
IndusInd Bank