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IndusInd Bank

IndusInd Bank Platinum Visa Credit Card

Source-traced to issuer Verified 2026-08-20
View on official site →

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You'll land on the issuer's official application portal at indusind.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Platinum Visa Credit Card by IndusInd Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

NIL.

Verified · mitc · 2026-08-20 · source

Annual / renewal fee

NIL.

Verified · mitc · 2026-08-20 · source

Fee waiver

  • No condition for waiver of annual fee (NA).
  • Annual fee is NIL.

Verified · mitc · 2026-08-20 · source

Rewards

Reward exclusion

Cash AdvancesEMI paymentsBalance Transfer transactionsand fees such as joining feeannual feeAdd-On Card feeinterest chargesor any other fee/charges; points not accrued on transactions subsequently reversed

Verified · cardholder_agreement · 2026-08-20 · source

Travel & lounge

Lounge access

Priority Pass is not available on IndusInd Bank Platinum Credit Card.

Verified · mitc · 2026-08-20 · source

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

3.5% (Foreign Currency Mark-Up for all other credit cards not specified otherwise; GST as per standard rate applicable).

Verified · mitc · 2026-08-20 · source

Charge

  • Interest charges (revolving credit & cash advances): 3.95% p.m. / 47.40% p.a. Cash Advance Charges: 2.5% of advance amount subject to minimum of ₹300.
  • Over Limit Charges: 2.5% of over limit amount subject to minimum of ₹500.
  • Returned Payments: ₹250.
  • Foreign Currency Mark-Up: 3.5% (GST as per standard rate applicable).
  • Dynamic Currency Conversion Fee: 1% Mark-up fee plus taxes.
  • Balance Enquiry on Non-IndusInd ATMs: ₹25.
  • Cash Payment Fee at IndusInd Bank Branch: ₹100.
  • Duplicate Physical Statement Request: ₹100 per statement (beyond last 3 months).
  • Re-issue/Replacement: ₹100.
  • Charge-slip Request: ₹300.
  • Reward Redemption Fee: Cash Redemption ₹149 w.e.f 1 April 2025, all other category redemption ₹100.
  • Rent payments through third-party merchants: 2% Fee + GST.
  • Late Payment Charges (till 14 June 2026): Up to ₹100 NIL.
  • ₹101-500 ₹100.
  • ₹501-1,000 ₹350.
  • ₹1001-10,000 ₹550.
  • ₹10,001-25,000 ₹800.
  • ₹25,001-50,000 ₹1,100.
  • Above ₹50,000 ₹1,300.
  • Late Payment Charges (Effective 15 June 2026): Up to ₹100 NIL.
  • ₹101-500 ₹100.
  • ₹501-1,000 ₹500.
  • ₹1001-5,000 ₹600.
  • ₹5001-10,000 ₹750.
  • ₹10001-25,000 ₹900.
  • ₹25,001-50,000 ₹1,100.
  • Above ₹50,000 ₹1,300.
  • Utility payment: 1% Fee + GST on cumulative utility spends more than ₹25,000 in a statement cycle.
  • Wallet Loading: 1% Fee + GST on cumulative wallet loading more than ₹20,000 in a statement cycle.
  • Education Payment (third-party): 1% Fee + GST on cumulative education payments more than ₹45,000 in a statement cycle.
  • Fuel Transactions (effective 15 June 2026): 1% Fee + GST on cumulative fuel transactions exceeding ₹30,000 in a statement cycle.
  • (till 14 June 2026): 1% Fee + GST exceeding ₹50,000 in a statement cycle.
  • Transport (excluding air, effective 15 June 2026): 1% Fee + GST on cumulative transactions (MCCs 4111,4112,4784,4131) exceeding ₹40,000 in a statement cycle.
  • Savings Plan Change: ₹250.

Verified · mitc · 2026-08-20 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Platinum Visa Credit Card?

Officially traced: NIL.

mitc

What is the joining fee on the Platinum Visa Credit Card?

Officially traced: NIL.

mitc

Is the Platinum Visa Credit Card annual fee ever waived?

No condition for waiver of annual fee (NA).

mitc

What lounge access does the Platinum Visa Credit Card include?

Priority Pass is not available on IndusInd Bank Platinum Credit Card.

mitc

What are the transfer ratios for Platinum Visa Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

What is one point on the Platinum Visa Credit Card worth?

Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pagemitccardholder_agreement

Verified 2026-08-20 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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