← Part of IndusInd Credit Cards in India
The IndusInd Bank Platinum RuPay Credit Card, launched as the bank’s first RuPay offering, is a lifetime-free card designed for seamless UPI transactions. IT offers 2 reward points per ₹100 spent on UPI payments and 1 reward point per ₹100 on non-UPI purchases, making IT attractive for daily spending.
| Parameter | Details |
|---|---|
| Card Name | IndusInd Bank Platinum RuPay Credit Card |
| Card Type | Entry-level, Lifetime Free Credit Card |
| Payment Network | RuPay |
| Issuing Bank | IndusInd Bank |
| Joining Fee | Nil (Lifetime Free) |
| Annual Fee | Nil (Lifetime Free) |
| UPI Transaction Rewards | 2 Reward Points per ₹100 spent (as of 2026) |
| Non-UPI Transaction Rewards | 1 Reward Point per ₹100 spent (as of 2026) |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹4,000 (as of 2026) |
| Travel Insurance (Lost Baggage) | ₹1 lakh coverage |
| Travel Insurance (Lost Passport) | ₹50,000 coverage |
| Travel Insurance (Delayed Baggage) | ₹25,000 coverage |
| Travel Insurance (Missed Connection) | ₹25,000 coverage |
| Travel Insurance (Lost Ticket) | ₹25,000 coverage |
| Fraud Protection | Insurance cover for unauthorised transactions (up to 48 hours before reporting loss/theft) |
| Counterfeit Fraud Protection | Insurance cover provided |
| UPI App Compatibility | BHIM, Google Pay, PhonePe, Paytm |
| Rent Payment Charges via UPI | Zero (unique among IndusInd cards) |
| Minimum Monthly Income (Salaried) | ₹20,000 (for entry-level cards) |
| Best For | Beginners, new-to-credit users, UPI-first spenders |
This card offers a strong reward system for both UPI and non-UPI transactions, coupled with travel and fraud protection benefits, making IT a strong contender for everyday use in 2026.
Features & Benefits: Platinum RuPay
The IndusInd Bank Platinum RuPay Credit Card offers a lifetime free membership with no joining or annual charges. Cardholders earn 2 reward points for every ₹100 spent on UPI transactions, daily digital payments.
| Feature | Details | Key Benefit |
|---|---|---|
| Lifetime Free Credit Card | No joining or renewal fees are applicable for the card. | Cost-effective ownership without recurring charges. |
| UPI Transaction Rewards | Earn 2 reward points for every ₹100 spent on UPI transactions (as of 2026). | Accelerated rewards on everyday digital payments via UPI apps. |
| Non-UPI Transaction Rewards | Earn 1 reward point for every ₹100 spent on non-UPI transactions (as of 2026). | Consistent reward earnings across all types of card spending. |
| Fuel Surcharge Waiver | Receive a 1% waiver on fuel surcharge for transactions between ₹400 and ₹4000 at any petrol pump in India. | Savings on fuel expenses for regular commuters. |
| Travel Insurance Coverage | Includes ₹1 lakh for lost baggage, ₹50,000 for lost passport, and ₹25,000 each for delayed baggage, lost ticket, and missed connection. | full financial protection during domestic and international travel. |
| Personal Air Accident Insurance | Complimentary personal air accident insurance cover of up to ₹25 lakh. | d security and peace of mind for air travelers. |
| Total Protect Program (Fraud Protection) | Insurance cover for unauthorized transactions up to 48 hours before reporting card loss/theft, and protection against counterfeit fraud. | strong security against card fraud and misuse. |
| UPI Linking Convenience | Effortlessly link the card to popular UPI applications such as BHIM, Google Pay, PhonePe, and Paytm. | Seamless and convenient digital payments using credit. |
| Rent Payment Charges | Zero additional fees for rent payments made via UPI. | Cost savings on monthly rent payments. |
| Reward Points Redemption | Redeem 400 reward points for 100 KrisFlyer Miles, among other options. | Flexible redemption options, including air miles for travel. |
| Restricted UPI Transactions | UPI transactions are restricted for peer-to-peer (P2P), cash withdrawals, e-RUPI, IPO, and mutual fund payments. | Ensures responsible credit usage per RBI guidelines. |
The card’s protection benefits, including travel insurance and fraud protection, offer significant security for cardholders. IT is designed for new-to-credit users and those seeking relaxed eligibility criteria.
Rewards & Surcharge Waiver: Data
The IndusInd Bank Platinum RuPay Credit Card offers 2 reward points for every ₹100 spent on UPI transactions and a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. This lifetime-free card provides insurance coverage for travel-related incidents and fraud protection, its value for everyday use.
| Reward/Waiver Type | Value/Benefit | Applicable Criteria |
|---|---|---|
| Reward Points on UPI Transactions | 2 reward points per ₹100 spent | All UPI transactions (excluding restricted categories) |
| Reward Points on Non-UPI Transactions | 1 reward point per ₹100 spent | All non-UPI purchases |
| Reward Points on Select Merchant Categories | ₹0.70 for every ₹100 spent | Utility, Insurance, Government Services, Education spends |
| Fuel Surcharge Waiver | 1% waiver | Fuel transactions between ₹400 and ₹4,000 at any petrol pump in India |
| Maximum Monthly Fuel Surcharge Waiver | ₹100 per month (estimated) | Across all eligible fuel transactions |
| Maximum Annual Fuel Surcharge Waiver | ₹480 annually (estimated) | Across all eligible fuel transactions |
| Lost Baggage Insurance | ₹1 lakh coverage | Travel-related loss of baggage |
| Lost Passport Insurance | ₹50,000 coverage | Travel-related loss of passport |
| Delayed Baggage Insurance | ₹25,000 coverage | Travel-related delayed baggage |
| Missed Connection Insurance | ₹25,000 coverage | Travel-related missed flight connection |
| Lost Ticket Insurance | ₹25,000 coverage | Travel-related loss of ticket |
| Unauthorized Transaction Insurance | Coverage up to 48 hours before reporting loss/theft | Fraudulent transactions in case of card loss or theft |
| Counterfeit Fraud Insurance | Protection against card or card detail theft | Incidents involving counterfeit card usage |
| Reward Point Value (non-cash redemption) | 1 Reward point = ₹0.060 (effective from December 15, 2024) | For redemption towards gifts, vouchers, etc. |
| Reward Point Redemption for Air Miles | 400 reward points = 100 KrisFlyer Miles | Specific air mile redemption option |
The card’s reward structure prioritizes UPI usage, offering double points, while also providing substantial travel and fraud protection, making IT a strong choice for daily spending in 2026.
How to Link Platinum RuPay to UPI
The IndusInd Bank Platinum RuPay Credit Card integrates seamlessly with major UPI applications, allowing credit-based transactions for everyday spending. Cardholders can link their card to apps like BHIM, Google Pay, PhonePe, and Paytm for convenient payments.
This linking process enables users to earn 2 reward points for every ₹100 spent on UPI transactions, as of 2026, the card’s value for digital payments.
- Step 1: Open UPI App
Launch your preferred UPI application, such as BHIM, PhonePe, Paytm, or Google Pay, on your mobile device. - Step 2: Select ‘Add Credit Card’
to the section within the app that allows you to add or link a new credit card to your UPI profile. - Step 3: Choose IndusInd Bank
From the list of available credit card issuers, select “IndusInd Bank” as your card provider. - Step 4: Select Platinum RuPay Card
Choose your IndusInd Bank Platinum RuPay Credit Card from the displayed options. - Step 5: Enter UPI PIN and Confirm
Generate a UPI PIN for your credit card within the app, then enter IT to confirm the linking process and activate UPI transactions.
Once linked, the card supports UPI payments for most domestic transactions, though certain categories like peer-to-peer transfers, cash withdrawals, and mutual fund investments are restricted.
Eligibility & Required Documents
To apply for the IndusInd Bank Platinum RuPay Credit Card in 2026, applicants must be either salaried or self-employed individuals who meet the bank’s specified income criteria. IndusInd Bank also offers specialized RuPay cards, such as the Samman RuPay card, exclusively for government employees.
The specific documents required for the application process can vary, but generally include proof of identity, address, and income. Ensure all documents are current and valid for a smooth application.
- Age Criteria: Applicants typically need to be between 21 and 60 years old for salaried individuals, and up to 65 years for self-employed applicants.
- Income Requirement: While specific figures are not publicly disclosed, applicants must meet the bank’s minimum monthly or annual income threshold, which varies by card type.
- CIBIL Score: A strong CIBIL score, generally above 700-750, significantly improves approval chances and may lead to better credit limits.
- Employment Status: Both salaried individuals with stable employment and self-employed professionals with a consistent income history are eligible.
- Identity Proof: Valid documents include an Aadhaar Card, PAN Card, Passport, or Voter ID.
- Address Proof: Acceptable proofs are Aadhaar Card, Passport, Utility Bills (electricity, water, gas) not older than 3 months, or a Rent Agreement.
- Income Proof: Salaried applicants typically submit their latest 3 months’ salary slips, bank statements, and Form 16. Self-employed individuals provide their latest ITR with income computation, business financial statements, and bank statements.
IndusInd Bank reserves the right to request additional documents based on individual applicant profiles and internal policies.
Fees & Charges: Platinum RuPay
The IndusInd Bank Platinum RuPay Credit Card is lifetime free, meaning no joining or annual fees are charged. IT also uniquely offers zero charges on rent payments made via UPI, a benefit not typically found on other IndusInd credit cards.
| Fee Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee | 0 | Lifetime free membership |
| Annual Fee | 0 | No annual fee is charged |
| Renewal Fee | 0 | No renewal fee is charged |
| Rent Payment Charges | 0 | Zero charges for rent payments made via UPI, a unique feature for this card. |
| Fuel Surcharge Waiver | 1% | Applicable on fuel transactions between ₹400 and ₹4,000 at petrol pumps across India. |
| Interest Rates (Monthly) | 1.79% to 3.95% | Varies based on cardholder’s profile and bank policies. |
| Utility Payment Charges | 1% + GST | Applicable for utility payments exceeding ₹25,000. |
| Reward Redemption Fees | Not Applicable | No fees for redeeming reward points. |
Cardholders should review the Most Important Terms and Conditions (MITC) for any additional charges or policy updates as of 2026.
Platinum RuPay vs Other RuPay Cards
The IndusInd Bank Platinum RuPay Credit Card offers lifetime free membership and 2 reward points per ₹100 on UPI transactions, targeting new-to-credit users. In contrast, the IndusInd Bank Samman RuPay Credit Card is designed exclusively for government employees, providing 1% cashback on all retail spends. Other RuPay cards from various banks offer diverse benefits, from fuel waivers to lounge access, catering to specific user needs.
| Feature | IndusInd Bank Platinum RuPay Credit Card | IndusInd Bank Samman RuPay Credit Card | Other RuPay Card (Example) |
|---|---|---|---|
| Joining/Annual Fee | Lifetime Free | Not explicitly stated as Lifetime Free; implied for government employees | Several IndusInd RuPay cards are lifetime free (e.g., Poonawalla Fincorp eLITE RuPay) |
| Eligibility | Relaxed criteria, good for beginners/new-to-credit users (min. Monthly income ₹20,000 for salaried) | Exclusively for government employees (central, state, PSU staff) | Varies by card (e.g., CRED IndusInd Bank RuPay for CRED members, Indian Bank IB RuPay Platinum for general users) |
| UPI Reward Points | 2 Reward Points per ₹100 spent on UPI transactions | Scan & pay via UPI, offers 1% cashback on all retail spends | CRED IndusInd Bank RuPay offers 1% reward points on UPI via CRED Scan and Pay |
| Non-UPI Reward Points | 1 Reward Point per ₹100 spent on non-UPI transactions | 1% cashback on all retail spends | CRED IndusInd Bank RuPay offers 1% reward points on offline transactions |
| Fuel Surcharge Waiver | 1% waiver on fuel surcharge (transactions ₹400-₹4000) | Not explicitly mentioned | CRED IndusInd Bank RuPay offers 1% waiver on fuel surcharges |
| Travel Benefits | Travel insurance (lost baggage ₹1 lakh, lost passport ₹50,000, delayed baggage/missed connection/lost ticket ₹25,000) | Not explicitly mentioned | Indian Bank IB RuPay Platinum offers complimentary lounge access; CRED IndusInd Bank RuPay offers complimentary travel insurance |
| Target User Group | Beginners, new-to-credit users, those seeking UPI convenience | Salaried individuals in public service | Varies (e.g., CRED members, specific bank customers) |
| Rent Payment Charges | Zero rent payment charges via UPI | Not explicitly mentioned | Varies by card; some cards may charge a fee for rent payments |
The Platinum RuPay card prioritizes UPI rewards and insurance, making IT suitable for everyday use and new cardholders. Other RuPay cards, including those from IndusInd Bank, often cater to niche segments with specialized benefits like higher cashback or specific travel perks.
Important Terms & Conditions
The IndusInd Bank Platinum RuPay Credit Card offers lifetime free membership, meaning no joining or annual fees apply. Cardholders must update their mobile number if changed, as IT is for UPI transactions and card security.
- Restricted Transactions: The card cannot be used for peer-to-peer (P2P) transfers, digital account opening, lending platforms, cash withdrawals at merchants or ATMs, e-RUPI, IPOs, foreign inward remittances, or mutual fund transactions.
- UPI Usage: UPI transactions using this card are restricted to within India and do not support international QR codes.
- Mobile Number Update: Cardholders must ensure their registered mobile number is current with IndusInd Bank for seamless UPI functionality and card-related communications.
- Insurance Coverage: The card provides insurance cover for unauthorized transactions up to 48 hours before reporting loss/theft, and protection against counterfeit fraud.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies to transactions between ₹400 and ₹4000 at any petrol pump across India.
IndusInd Bank, as a group manager, partners with The Oriental Insurance Company Ltd. For travel insurance benefits included with the card.
Key Takeaways
- The IndusInd Bank Platinum RuPay Credit Card is lifetime free, offering 2 reward points per ₹100 on UPI spends and 1 point per ₹100 on non-UPI spends.
- Specific transaction types, including cash withdrawals and mutual fund investments, are restricted from being processed via this RuPay Credit Card on UPI.
- Cardholders receive insurance benefits for lost baggage (₹1 lakh), lost passport (₹50,000), and delayed baggage/missed connections/lost tickets (₹25,000 each).
Review the full Most Important Terms and Conditions on the IndusInd Bank website before applying.
Frequently Asked Questions (FAQs)
Can I earn reward points on UPI transactions with the IndusInd Bank Platinum RuPay Credit Card?
Yes, the IndusInd Bank Platinum RuPay Credit Card offers reward points on both UPI and non-UPI transactions. You earn 2 reward points for every ₹100 spent via UPI, and 1 reward point for every ₹100 spent on non-UPI transactions. This makes IT a rewarding option for daily digital payments.
How do I link my IndusInd Bank Platinum RuPay Credit Card to a UPI app?
You can link your IndusInd Bank Platinum RuPay Credit Card to UPI apps like BHIM, Google Pay, PhonePe, or Paytm in a few steps. Open your chosen UPI app, select ‘Add Credit Card/Link Credit Card,’ and then choose IndusInd Bank as the issuer. Ensure your mobile number is updated with the bank for seamless linking.
What are the restricted transactions for UPI payments using the IndusInd Bank Platinum RuPay Credit Card?
Certain transactions are restricted when using your IndusInd Bank Platinum RuPay Credit Card for UPI payments. These include peer-to-peer (P2P) transfers, cash withdrawals at ATMs or merchants, digital account opening, and payments to lending platforms or mutual funds. UPI transactions with this card are also limited to within India.
Does the IndusInd Bank Platinum RuPay Credit Card offer any insurance benefits?
Yes, the IndusInd Bank Platinum RuPay Credit Card provides several insurance benefits, including coverage for lost baggage up to ₹1 lakh and lost passport up to ₹50,000. IT also offers ₹25,000 for delayed baggage, missed connections, and lost tickets, along with fraud protection for unauthorized transactions. These benefits are provided in partnership with The Oriental Insurance Company.
Is the IndusInd Bank Platinum RuPay Credit Card a lifetime free card?
Yes, the IndusInd Bank Platinum RuPay Credit Card is a lifetime free credit card. This means IT typically comes with no annual fees, making IT a cost-effective option for users. Always confirm the latest terms and conditions directly with IndusInd Bank.
What are the eligibility criteria for the IndusInd Bank Platinum RuPay Credit Card?
Eligibility for the IndusInd Bank Platinum RuPay Credit Card generally includes a minimum age of 21 years and a stable income source. Specific income requirements and credit score expectations (typically a CIBIL score of 750 or higher) vary by applicant profile. The bank may also require specific documents like income proof and identity verification.
Can I use my IndusInd Bank Platinum RuPay Credit Card for international UPI transactions?
No, you cannot use your IndusInd Bank Platinum RuPay Credit Card for international UPI transactions. UPI transactions carried out through RuPay Credit Cards are currently restricted to within India only. This applies even when scanning international QR codes.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.