IndusInd Bank Platinum Visa Credit Card
IndusInd Bank
Sources directly conflict on the joining fee (Nil vs ₹3,000) — both aggregators' own critical reviews call this card's ~0.40% reward rate low compared to alternatives.
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried occupation
Sources disagree: Direct conflict: Paisabazaar states Nil joining fee; MyRupaya states ₹3,000. Verify directly with the bank.
Lounge access
0 domestic / 0 international visits per year
Key features
- 1 point/₹100 flat
- ₹1 lakh lost-baggage cover, ₹25 lakh air accident cover
Reward details
1 reward point per ₹100 spent (flat)
Redemption
1 point = ₹0.40 cash credit.
Ratio: 400 points = 100 KrisFlyer miles
Excluded from rewards: fuel
- 1% fuel surcharge waiver capped ₹100/month, on ₹500-3,000 transactions.
- Travel insurance: lost baggage ₹1 lakh, delayed baggage ₹25,000, air accident ₹25 lakh.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Complaints
- 0.40% reward rate too low compared to IDFC First Select or SBI Prime — Paisabazaar
- Overall a disappointing card due to lack of perks and low cashback rate — MyRupaya
Sources
- Official — marketing copy only
- Aggregator — fees, eligibility, rewards
- Aggregator — fees, sentiment