IndusInd Bank Platinum RuPay
IndusInd Bank · Checked 2026-10-09
IndusInd Bank Platinum RuPay is a no-annual-fee option centred on shopping rewards and reward points.
CardIQ editorial view
Our take
IndusInd Bank Platinum RuPay is a no-annual-fee option centred on shopping rewards and reward points.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise reward points.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 2 points per ₹100 on eligible UPI transactions; 1 on other eligible purchases.
- Distinct fee and reward programme from the Platinum Visa product; not a duplicated network listing.
Trade-offs to understand
- 1 point = ₹0.60 for eligible non-cash redemptions excluding air miles.
CardIQ verdict
A sensible long-term choice when you want shopping rewards and reward points without a recurring membership charge. Check this condition before applying: 1 point = ₹0.60 for eligible non-cash redemptions excluding air miles.
Compare before deciding
- AU LIT — A similarly priced alternative for comparing shopping rewards and reward points.
- AU NOMO — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- Specified categories earn 0.7 points per ₹100; fuel earns no points.
- 1 point = ₹0.60 for eligible non-cash redemptions excluding air miles.
- Distinct fee and reward programme from the Platinum Visa product; not a duplicated network listing.