IndusInd Bank Platinum RuPay Credit Card Review
Is the IndusInd Bank Platinum RuPay credit card worth it? Yes, because it’s a lifetime free credit card offering reward points on UPI and non-UPI payments without any joining or annual fees.
Overview
The IndusInd Bank Platinum RuPay Credit Card is a remarkable entry-level credit card integrated with the RuPay payment network. It’s groundbreaking because it allows users to earn rewards on both UPI and non-UPI transactions.For a comparison with other cards in the same segment, you may want to check the IDFC First WOW Credit Card Review.
Fees and Charges
Perhaps the most enticing feature of this credit card is that it’s lifetime free. Here’s a breakdown of the fees and charges:
| Type of Fee | Charge |
|---|---|
| Joining Fee | Zero – Lifetime Free |
| Annual Fee | Zero – Lifetime Free |
| Foreign Currency Markup | 3.5%+GST (~4.13%) |
| Interest Charges | 3.95% per month (47.4% annually) |
Additionally, this card does not impose extra charges on rent payments, making it ideal for users who pay rent via UPI.For those who want a card offering rent payment rewards, the Axis Bank My Zone Credit Card Review may be worth considering.
Rewards Structure
This card offers a straightforward and rewarding points system:
| Spend Category | Rewards | Return |
|---|---|---|
| UPI Payments | 2 Reward Points for every ₹100 | 0.7% |
| Non-UPI Payments | 1 Reward Point for every ₹100 | 0.35% |
| Utility, Insurance, Govt. Services, Education | 0.7 Reward Points for every ₹100 | 0.25% |
| Fuel | No rewards | Zero |
Rewards points can be redeemed for statement credit or transferred to Club Vistara at a 1:1 ratio. For more robust reward structures, take a look at the Axis Magnus Card Review.
Partner Discounts
- Flat 10% Off sitewide on boAt products
- Get 10% instant discount (Upto Rs 250) on minimum purchase of Rs 2000 on BigBasket
- PVR: Get Rs 100 Off on Food & Beverage Orders over Rs 350
- Lifestyle: Get Additional 15% Off on Lifestyle orders over Rs 1999
- Amazing offers on Swiggy, Titan, Reliance & more
For more amazing discount offers, Check Here: Indus Moments
Benefits
Unfortunately, the card does not include complimentary airport lounge access. However, it does offer a 1% fuel surcharge waiver for transactions between ₹400 and ₹4000.If airport lounge access is important to you, consider the ICICI Emeralde Credit Card Benefits.
Final Thoughts
The IndusInd Bank Platinum RuPay Credit Card is a solid choice if you are okay with its limitations, such as no airport lounge access and lower than average UPI rewards compared to other cards. However, if you often make UPI payments and desire to earn Club Vistara points, this card can be very beneficial.For more comparisons, you might want to check the IndusInd Bank Legend Credit Card Review.
Frequently Asked Questions
Which UPI spends are not eligible for earning rewards?
Only fuel spends are not eligible for rewards. Utility, insurance, government services, and education spends do earn rewards but at a reduced rate.
Do we get airport lounge access on this card?
No, complimentary airport lounge access is not available with this card.If you require this feature, you can explore the SBI Cashback Credit Card Review.
