Platinum RuPay Credit Card
Indusind Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
IndusInd Bank Platinum RuPay Credit Card is a lifetime free UPI-enabled credit card designed for everyday spending. Link the card to leading UPI apps and earn rewards on every tap-and-pay or scan-and-pay transaction. Enjoy 2 reward points per ₹100 on UPI spends, 1 reward point per ₹100 on other purchases, plus fuel surcharge waiver and travel insurance benefits. This RuPay credit card is ideal for beginners and value-seekers who want a simple, low-cost way to build credit while earning rewards.
Features of Platinum RuPay Credit Card which makes it unique
Lifetime Free RuPay Credit Card
Enjoy a lifetime free IndusInd Bank Platinum RuPay Credit Card with no joining or annual fee.
Ideal for first-time credit card users who want to avoid recurring card charges.
Most entry-level cards charge annual fees; this one remains lifetime free.
UPI-First Rewards Design
Optimized for UPI payments so you earn higher rewards whenever you pay via UPI.
Maximize rewards on day-to-day expenses like grocery, utilities and local shopping.
Many cards reward POS spends; this card specifically boosts UPI-linked transactions.
Rewards Structure of Platinum RuPay Credit Card
Fuel Transactions
baseFuel purchases at petrol pumps
Fuel spends do not earn reward points but enjoy 1% fuel surcharge waiver within eligible transaction range.
UPI Transactions
acceleratedTransactions made via UPI using linked Platinum RuPay Credit Card
Best value for everyday QR code and UPI spends at offline and online merchants.
Non-UPI Transactions
baseAll eligible POS and online spends not routed through UPI
Earn base reward points on regular card swipes and online payments.
Select Merchant Categories
baseEligible spends on select merchant categories specified by IndusInd Bank
Higher effective return on partner categories, applicable on both UPI and non-UPI transactions.
Fees & Charges of Platinum RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card with no annual renewal fee.
Fee Explanation Fees and charges follow IndusInd Bank’s latest schedule for Platinum RuPay Credit Card; they may change with prior notice from the bank.
Detailed Explanation of Platinum RuPay Credit Card Fees
Joining Fee: ₹0 (one-time)
Lifetime free; no joining fee is charged for new Platinum RuPay Credit Card customers.
Annual Fee: ₹0 (yearly)
Lifetime free; no annual or renewal fee is charged.
Finance Charges: 3.95% per month (47.40% p.a.) (monthly)
Applied on unpaid dues and cash advances as per IndusInd Bank’s MITC for Platinum RuPay Credit Card.
Cash Advance Fee: 2.5% (min ₹300) (transaction)
Charged on each cash withdrawal at ATMs or over-the-counter cash advances.
Late Payment Fee: Up to ₹1,300 (per statement)
Slab-wise late fee based on total outstanding; charged when Minimum Amount Due is not paid by due date.
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (per statement)
Charged when total outstanding exceeds the assigned credit limit.
Fuel Surcharge Waiver: 1% waiver (transaction)
Valid for fuel transactions between ₹400 and ₹4,000 at petrol pumps across India; GST on surcharge is not waived.
Forex Mark-up: 3.5% of transaction value (transaction)
Applies to international transactions and online purchases billed in foreign currency.
Insurance Coverage with Platinum RuPay Credit Card
Travel Insurance
Up to ₹2,25,000Includes lost baggage up to ₹1,00,000, loss of passport up to ₹50,000, and delayed baggage / lost ticket / missed connection up to ₹25,000 each for eligible trips.
Personal Air Accident Cover
Up to ₹25,00,000Applicable as per IndusInd Bank’s group insurance policy terms for active cardholders.
Fraud Liability Cover
As per bank policyProtection against unauthorized transactions after card loss is reported; detailed terms available in cardholder agreement.
Additional Features of Platinum RuPay Credit Card
Credit Card on UPI
Link the card to popular UPI apps and pay using QR codes or UPI IDs directly from your credit limit.
Available on supported UPI apps such as BHIM, phone pay, google pay and paytm.
EMI Conversion
Convert larger purchases into convenient EMIs via IndusEasy EMI and other EMI options.
EMI conversion is subject to transaction amount, tenure, processing fee and interest rate specified by IndusInd Bank.
Add-on Cards
Option to request add-on cards for family members and track all spends in a single statement.
Add-on applicants must meet age and KYC requirements defined by IndusInd Bank.
Contactless Payments
Tap-and-pay enabled for small ticket transactions at contactless-enabled POS terminals.
Contactless limits and OTP requirements follow current RBI and bank guidelines.
Welcome Bonus with Platinum RuPay Credit Card
Welcome Bonus: Lifetime free
Bonus Conditions: No joining or annual fee is charged as per current IndusInd Bank offer; standard eligibility criteria apply.
Application Process for Platinum RuPay Credit Card
Processing Time
Instant online decision for eligible applicants; physical card typically dispatched within 5–7 working days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the official IndusInd Bank website and select the Platinum RuPay Credit Card.
Click on Apply Now and fill in your personal, contact and income details.
Complete digital KYC or video KYC and upload required documents online.
Wait for IndusInd Bank’s approval decision and credit limit assignment.
On approval, receive your virtual card details for online and UPI usage, followed by dispatch of the physical card.
Required Documents for Platinum RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Business and Income Proof
self-employedAccepted documents:
Platinum RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at RuPay-enabled POS terminals, online merchants and UPI QR codes.
International Acceptance
Can be used at international merchants and online websites that accept RuPay; forex mark-up applies on such transactions.
Online Acceptance
Yes, works on most Indian e-commerce and bill payment platforms that support RuPay.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Platinum RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN, Aadhaar-linked mobile number, and meet IndusInd Bank’s internal underwriting policies.
How Approval Is Decided
- Indian resident with stable income and clean credit history.
- Minimum age of 21 years for primary cardholder.
- Income and credit score meeting IndusInd Bank’s internal eligibility norms.
Pros of Platinum RuPay Credit Card
- Lifetime free with zero joining and annual fees.
- UPI-enabled RuPay credit card ideal for QR and online payments.
- Simple and transparent rewards structure for UPI and non-UPI spends.
- Fuel surcharge waiver and complimentary insurance benefits.
Cons of Platinum RuPay Credit Card
- No complimentary airport lounge access.
- Standard 3.5% forex mark-up makes it less suitable for heavy international spending.
- Reward rates are better for UPI spends than for regular POS transactions.
Frequently Asked Questions about Platinum RuPay Credit Card
Is the IndusInd Bank Platinum RuPay Credit Card really lifetime free?
Yes. The Platinum RuPay Credit Card is currently offered as a lifetime free credit card with zero joining and annual fees, making it a great low-cost option for everyday spending.
How do rewards work on the Platinum RuPay Credit Card for UPI and non-UPI payments?
You earn 2 reward points for every ₹100 spent via UPI and 1 reward point for every ₹100 spent on non-UPI transactions. On select merchant categories, you can get higher effective value of up to ₹0.70 per ₹100 spent.
Can I link my Platinum RuPay Credit Card to UPI apps?
Yes. You can link this RuPay credit card to major UPI apps like BHIM, google pay, phone pay and paytm, and then pay using your credit limit by scanning QR codes or entering UPI IDs.
Do fuel transactions earn reward points on the Platinum RuPay Credit Card?
Fuel transactions do not earn reward points, but you get a 1% fuel surcharge waiver on eligible fuel spends between ₹400 and ₹4,000 at petrol pumps across India.
What type of insurance cover is available on the Platinum RuPay Credit Card?
The card offers travel insurance benefits worth up to ₹2.25 lakh across lost baggage, passport loss, delayed baggage, lost ticket and missed connections, along with a personal air accident cover of up to ₹25 lakh for eligible cardholders.
Is the Platinum RuPay Credit Card good for international transactions?
You can use the card for international spends, but a standard forex mark-up of around 3.5% applies on foreign currency transactions, so it is better suited for domestic and UPI-based usage.
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