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IndusInd Bank Platinum Master Credit Card

IndusInd Bank's Platinum Master Credit card is a travel credit card which offers a wide variety of offers on travel and lifestyle. This card offers countless travel and lifestyle benefits, a comprehensive rewards programme, and other exciting features that make it suitable for people with all kinds of lifestyle requirements. Try it to enhance your experience of using credit cards.

IndusInd Bank

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1st Year Fee

₹0₹0
  • First year fee upto:

    ₹0

Card Fee Type

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 100% Paperless Approval
No hard copies of documents required for approval

  • IndusInd Bank Platinum Card

    1st year fee

    :  

    ₹ 0

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Updated On - 13 Dec 2025
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IndusInd Bank Platinum Master Credit Card Key Highlights

Enjoy the power and freedom of maximum flexibility and access without the restrictions and limitations imposed by other programs.

Features and Benefits of the IndusInd Bank Platinum Master Credit Card

Insurance benefits

Sum Assured (up to)

Lost baggage

Rs.1 lakh

Delayed baggage

Rs.25,000

Loss of passport

Rs.50,000

Lost ticket

Rs.25,000

Missed connection

Rs.25,000

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Credit limit on the IndusInd Bank Platinum Master Credit Card

Your credit limit on the Platinum Credit Card would be decided by IndusInd Bank based on several parameters like your income, credit history, repaying capacity, etc. The same would be communicated to you at the time of issuance of the card.

Reward Points on the IndusInd Platinum Master Credit Card

By using this card, you can earn rewards for every everyday purchase you make while still benefiting from an additional steady stream of points. Whether it is an essential product, a meal at a restaurant or a work-based trip, you can effortlessly accumulate points simply by doing all your shopping. 

  1.  Your purchases allow you to accumulate 1.5 Reward Points per Rs.150 spent: There are some categories where you will earn 1.5 Reward Points per Rs.150 spent. Therefore, regular purchases (groceries, eating out, retail shopping, and internet shopping) continuously increase your reward balance. Because there are a number of different spending categories that qualify for this earning rate, it caters to the average user as well as more frequent users of the card. 
  1. The reward points collected through the usage of this card do not lose their value too quickly: This is an advantage of using this card because it allows you to build a substantial amount of reward points for later, bigger and more valuable redemptions rather than redeeming them shortly after usage for small amounts. 

IndusInd Bank Platinum Master Credit Card Reward Points Redemption

IndusInd Bank offers a broad catalogue with an easy-to-navigate interface, making redemption simple even for first-time users. You can redeem reward points for: 

  1. Shopping vouchers  
  1. Electronics and gadgets 
  1. Luxury lifestyle products 
  1. Travel benefits  
  1. Curated experiences  
  1. Digital gift cards 

How to Redeem Reward Points using different methods

The table below outlines in detail the different methods used to redeem reward points: 

Redemption Method 

Step-by-Step Process 

1. IndusMoments (Catalogue Redemption) 

Step 1:Visit theIndusMomentsrewards portal.Step 2:Log in using your registered mobile number or credit card credentials.Step 3:Browse categories such as lifestyle, electronics, travel, home essentials, and more.Step 4:Select the product, voucher, or experience you want to redeem.Step 5:Review the reward point requirement and confirm availability.Step 6:Add the item to your cart andproceedto checkout.Step 7: Confirm your redemption and receive delivery or voucher details. 

2. Pay with Rewards (Instant Redemption at Merchant Outlets) 

Step 1:Shop at any participating merchant outlet or online platform.Step 2:Select‘Pay with Rewards’at checkout.Step 3:Log in using your registered mobile number or OTP.Step 4:Check available reward points.Step 5:Select how many points you wish touse.Step 6:Confirm the transaction and deduct the applicable amount from yourbill.Step 7: Pay any remaining balance using your card if needed. 

3. Airline Miles Conversion (KrisFlyer) 

Step 1:Visit the IndusInd rewards platform or miles conversion page.Step 2:Log in using your credit card credentials.Step 3:Choose theKrisFlyermiles conversionoption.Step 4:Enter your activeKrisFlyermembershipnumber.Step 5:Check the conversion rate and minimum eligibletransfer.Step 6:Select the number of points toconvert.Step 7: Confirm that the transfer miles will be credited to your KrisFlyer account in due time. 

4. Cash Credit Redemption (Statement Credit) 

Step 1:Log in toIndusMobile, Internet Banking, or the rewards website.Step 2:Go to the Rewards / Cash Credit section.Step 3:Check available points eligible for cash redemption.Step 4:Review the point-to-cash conversionvalue.Step 5:Enter the number of points you wish to convert into cashcredit.Step 6:Confirm your redemptionrequest.Step 7: Cash credit reflects your next billing cycle and reduces your outstanding balance. 

Note: Redemption towards Club Vistara Airmiles will discontinue from 31 October 2024. Redemption towards InterMiles will discontinue from 21 January 2025. 

Fees and Charges of IndusInd Platinum Master Credit Card

Type of Fee

Amount (Rs.)

Interest charge

3.95% per month

Cash withdrawal charges

2.5% of the withdrawal amount or Rs.300, whichever is higher

Add-on credit card fee

NIL

Late payment charges

  1. For outstanding balance up to Rs.100 - NIL
  2. For Rs.101 to Rs.500 - Rs.100
  3. For Rs.501 to Rs.Rs.1,000 - Rs.350
  4. For Rs.1,001 to Rs.10,000 - Rs.550
  5. For Rs.10,000 to Rs.25,000 - Rs.800
  6. For Rs.25,000 to Rs.50,000 - Rs.1.100
  7. Above Rs.50,000 - Rs.1,300

Over limit charges

2.5% of the over limit amount subject to a minimum of Rs.500

Cheque return or bounce charges

Rs.250 per return

Foreign currency mark-up fee

3.5%

Cash payment fee (over the counter)

Rs.100

Re-issue of lost or stolen card

Rs.100

Duplicate statement request charge

Rs.100 per statement (beyond last 3 months)

Eligibility to Apply for IndusInd Platinum Master Credit Card

To apply for the card, you should have a good credit score and a stable source of income. The precise eligibility criteria would be communicated to you at the time of applying for the card.

Documents needed to Apply for the IndusInd Bank Platinum Master Credit Card

You would have to submit your income proof, address proof, and identity proof to get the Platinum Master credit card. The exact list of documents would be communicated to you at the time of applying for the card.

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How to Apply for IndusInd Bank Platinum Master Credit Card Online

You can apply for IndusInd Bank Platinum Master Credit Card directly from the IndusInd Bank's official website.

Alternatively, you can also apply for the card online through the BankBazaar website by following the steps listed below.

  1. Step 1: Visit the BankBazaar website for the IndusInd Platinum MasterCard, and click on ‘Apply Now’.  
  1. Step 2: Complete the eligibility form with your information. You will need to provide your name, location, phone number, and monthly income.  
  1. Step 3: If eligible, you will then be directed to the Application Form.  
  1. Step 4: When completing the Application Form, you must enter personal and financial information about yourself accurately.  
  1. Step 5: At this point, you will need to provide your documents. You will need to verify your identity, address, and employment/financial information.  
  1. Step 6: You will take part in a process called Video KYC or video Know Your Customer. The KYC specialist will verify it's you across a video call.  
  1. Step 7: Lastly, you or somebody else must review your information and then submit the Application for you.  
  1. Step 8: After completing the application, you will receive a Application ID where you can then check your credit card application or reroute others to complete the application. 
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FAQs on IndusInd Bank Platinum Credit Card

  • What are the conditions to avail the fuel surcharge waiver on the Platinum Master Credit Card?

    You get a fuel surcharge waiver of 1% when you use your card at petrol pumps across the country. This offer only applies to transactions between Rs.500 to Rs.3,000 with a capping of Rs.100 per billing cycle.

  • How do I contact IndusInd Bank credit card customer care?

    Dial 1860 267 7777 to contact the customer care centre of IndusInd Bank.

  • How do I update my address for an IndusInd Bank Platinum Master credit card?

    You easily can update the address online through internet banking. You should submit scanned copies of the new address proof. You can also call IndusInd credit card customer care and ask for the address to be updated.

  • How do I check the available balance and the outstanding balance on my card?

    You can check the outstanding credit card balance and available credit card balance online via the internet banking portal or the mobile app. You can also check the balance through SMS.

  • What is the payment mode for IndusInd Bank Platinum Master Credit Card?

    You can pay the bills of your IndusInd Bank Platinum credit Master card online via Internet Banking, NEFT, set up an auto-debit payment mode, Mobile banking, and NACH Facility. You can also visit the nearest bank branch and pay via cash or cheque.

  • What is the billing cycle of IndusInd Bank Platinum Master credit card?

    The billing cycle will range from 20 to 40 days. Your credit card statement will be issued at the end of the billing cycle. This will be sent to you via e-mail or to your communication address.

  • How can I follow the billing cycle for my IndusInd Bank Platinum Master credit card?

    The time frame in which a credit card bill is generated is known as the billing cycle. The monthly credit card statements, which include a comprehensive list of all transactions done during the period, are sent to the email address you registered with. Additionally, you can examine your statements via the IndusMobile mobile banking app and Net Banking (IndusNet).

  • Is there any add-on card facility for IndusInd Bank Credit Cards?

    Yes, you can easily apply for up to 5 add-on cards if you have the Classic credit cards by IndusInd bank. The cardholders of the add-on credit card will have the same privileges and benefits as the primary credit card.

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