IndusInd Bank Poonawalla Fincorp eLITE RuPay Credit Card
IndusInd Bank
The bank's URL slug still says 'Platinum,' but the actual product name confirmed by both aggregators is the eLITE RuPay card — not to be confused with the separate Platinum RuPay card.
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.
Sources disagree: URL slug says 'poonawalla-platinum-rupay-credit-card' but official page title and both aggregators confirm the actual name is 'eLITE RuPay,' not 'Platinum' — a naming mismatch, not a data conflict.
Lounge access
0 domestic / 0 international visits per year
MyRupaya explicitly states no free airport lounge visits.
Key features
- 2.5 pts/₹100 e-commerce (~1.25% effective)
- 1 pt/₹100 POS
- 3,000 bonus points at ₹4L annual spend
Reward details
1 reward point per ₹100 (other/POS transactions)
- 2.5 points per ₹100 on E-commerce/online purchases
- ₹4 lakh annual spend: 3,000 bonus points
Redemption
A variety of redemption options per one source; MyRupaya states a ₹100 redemption fee.
- 1 free/BOGO movie ticket monthly via BookMyShow, capped ₹200.
- 1% fuel surcharge waiver, ₹400-4,000 transactions.
- 'Total Protect' covering card theft, counterfeiting, and air accident cover up to ₹25 lakh.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Complaints
- An average card with multiple competitors offering better benefits — MyRupaya
Sources
- Official — marketing copy only, confirms actual product name
- Aggregator — fees, rewards
- Aggregator — fees, rewards, sentiment