LIFETIME FREE RuPay 📡 Contactless NFC

IndusInd Bank Platinum RuPay Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Everyday UPI users looking for a Lifetime Free virtual RuPay card earning flat 0.80% valueback on daily merchant scan-and-pay transactions with direct statement cash redemption.

Who Should Avoid

Users seeking physical cards, offline perks, or airport lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Instant digital issuance with immediate UPI linking on Google Pay, PhonePe, Paytm, and CRED

2 Reward Points on UPI Payments

Earn 2 Reward Points per ₹100 (0.80% valueback) on merchant UPI QR transactions via any UPI app.

1 Reward Point on Regular Spends

1 Reward Point per ₹100 on all other non-UPI retail transactions.

Lifetime Free Credit Card

Unconditionally Lifetime Free digital credit card with zero joining and annual renewal charges.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.4

Standard Base Earning

1 Reward Point per ₹100 spent on regular non-UPI retail purchases (0.40% return; 1 RP = ₹0.40)

Accelerated / Partner Rate

2 Reward Points per ₹100 (0.80% return; 1 RP = ₹0.40) on all merchant RuPay UPI QR scan & pay transactions across Google Pay, PhonePe, Paytm, and CRED

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Cash Credit (1 RP = ₹0.40, min 500 points), Brand Vouchers & Electronics Catalog via IndusMoments

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Utilities Cash Advances

🛋️ 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) virtual credit card with zero joining and annual fees

UPI Payments Support✓ Supported (RuPay)

2 Reward Points per ₹100 on merchant RuPay UPI QR transactions (1 RP = ₹0.40)

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₹25,000

Min. Credit Score720 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 RuPay Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

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Personalized Card Matcher

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Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹25,000 All IndusInd Bank Credit Cards RuPay UPI Credit Cards Lifetime Free Credit Cards Best RuPay Credit Cards

Frequently Asked Questions

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

IndusInd Bank Platinum RuPay Credit Card Lifetime Free (₹0)