LIFETIME FREE Visa, Mastercard 📡 Contactless NFC

IndusInd Bank Platinum Aura Edge Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Cardholders looking for a Lifetime Free credit card customizable to their specific spending habits (shopping, dining, or travel) with 1:0.5 value points and dining discounts.

Who Should Avoid

Users seeking airport lounge access or high uncapped offline cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome gift discount vouchers from leading brands upon card activation and setup

4X Reward Points on Chosen Plan

Earn up to 4 Reward Points per ₹100 on your chosen lifestyle spending plan (Shop, Home, Travel, or Party).

Dining Discounts via Culinary Treats

Save a minimum of 15% on dining bills across 2,500+ partner restaurants with IndusInd Culinary Treats.

Lifetime Free Credit Card

Unconditionally Lifetime Free credit card with zero annual and maintenance charges.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.5

Standard Base Earning

0.5 Reward Points per ₹100 spent on all other retail transactions (0.25% return)

Accelerated / Partner Rate

4 Reward Points per ₹100 (2.0% return; 1 RP = ₹0.50) on top category based on chosen plan (Shop Plan: Departmental stores; Home Plan: Grocery/Bills; Travel Plan: Hotel/Rail/Air; Party Plan: Dining/Pubs); 2 Reward Points per ₹100 on secondary categories

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Cash Credit (1 RP = ₹0.50), Air Mile Transfers (InterMiles / Air India at 1 RP = 0.50 Mile), Brand Vouchers & Electronics Catalog

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹30,000

Min. Credit Score725 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.83% per month (46.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the IndusInd Bank Platinum Aura Edge Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 725 CIBIL Score LTF Cards for Salary Under ₹30,000 All IndusInd Bank Credit Cards Lifetime Free Credit Cards Best Visa Credit Cards Best Mastercard Credit Cards

Frequently Asked Questions

Yes, the IndusInd Bank Platinum Aura Edge Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

IndusInd Bank Platinum Aura Edge Credit Card Lifetime Free (₹0)