IndusInd Bank Platinum RuPay Credit Card

By: OurMoneyGuide || Last updated on: April 17, 2024

IndusInd Bank Platinum RuPay Credit Card is a credit card on the RuPay platform, and hence can be used to make UPI payments also. It is a lifetime free credit card.

Features & Benefits of the IndusInd Bank Platinum RuPay Credit Card

 On UPI spends – 0.7% cashback, OR 2% reward (in terms of Club Vistara Points/InterMiles)

✔︎ On all other card spends – 0.35% cashback, OR 1% reward (in terms of Club Vistara Points/InterMiles)

You get 2 rewards points (worth ₹0.70 as cashback, OR 2 Club Vistara Points/2 InterMiles), on every ₹100 of UPI spends.

You get 1 rewards points (worth ₹0.35 as cashback, OR 1 Club Vistara Point/1 InterMile), on every ₹100 you spend on all other spends (non-UPI).

1 rewards point = ₹0.35, and can be redeemed as cashback into your credit card statement. You can also transfer reward points to Club Vistara and Intermiles, 1 reward point = 1 Club Vistara Point/ 1 InterMile.

Exceptions :
– You get 0.70 reward points worth ₹0.24 (24 paise), on the following spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.
– No reward points are given on fuel purchases

Fuel surcharge waiver, upto ₹480 per year 

You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only, at all fuel pumps.

This surcharge waiver is valid only on fuel purchases upto ₹4000 per month, since the waiver amount is restricted to ₹40 per month.

Complimentary insurance benefits

You get a complimentary air accident insurance of ₹25 lakhs. 

You get a complimentary ‘Total Protect’ cover. This covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card. You need to report loss of card to the bank within 48 hours of losing your card. 

You also get complimentary travel insurance covers-
– Lost baggage cover of ₹1 lakh
– Delayed baggage cover of ₹25000
– Loss of passport cover of ₹50000
– Lost ticket cover of ₹25000
– Missed connection cover of ₹25000

How to link your Platinum RuPay Credit Card on UPI?

Step 1: Open your UPI app (BHIM, PhonePe, Paytm, Google Pay)*
Step 2: Select the option “Add Credit Card/Link Credit Card”
Step 3: Select Credit Card Issuer Bank (IndusInd Bank)
Step 4: Select your IndusInd Bank Platinum RuPay Credit Card
Step 5: Proceed to generate UPI PIN
*(Download the UPI app from Playstore/App Store if you are not registered on any UPI app yet, verify your mobile no. and continue from Step 2 as shared above)

Set UPI Pin
Step 1: Select Generate PIN option > Select Platinum RuPay Credit Card
Step 2: Enter Platinum RuPay Credit Card Details:
– Last 6 digits
– Expiry Date
(OTP will be triggered on your registered mobile number)
Step 3: Enter OTP and Set PIN of your choice

Making UPI Payments with your Platinum RuPay Credit Card
– Scan Merchant QR Code or enter Merchant UPI ID
– Enter Amount to be paid or pay auto-fetched amount
– Select Platinum Rupay Credit Card from the list of payment options
– Enter UPI PIN of your Credit Card & Click Confirm
(Transaction status can be seen in Transaction History of your UPI App)

24/7 IndusInd customer support 

You can reach IndusInd Bank 24 hours a day, please click here for all the options to contact the bank. 

It is recommended to call the bank from your registered mobile number, this will ensure you are instantly connected to a phone banking officer.

Eligibility Criteria

Documents required

Application Process