IndusInd Bank · RuPay · RuPay on UPI, Lifetime free, Entry-level
IndusInd Bank Platinum RuPay Credit Card
Best for uPI credit card users. 2 RP on UPI transactions (festive promo per official page)
Terms as of 2026-09-27 · Checked 29 September 2026Annual fee
Free
Joining FreeIndusInd Bank Platinum RuPay Credit Card at a glance
Joining feeFree
Annual feeFree
Base reward valueSee rewards
Forex markup—
NetworkRuPay
IssuerIndusInd Bank
CategoryRuPay on UPI
Fee waiverLifetime free
Who it suits: UPI credit card users
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2 RP on UPI transactions (festive promo per official page) |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% fuel surcharge waiver |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-60 |
| Credit score | 750+ improves approval chances |
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Frequently asked questions
What is the annual fee of the IndusInd Bank Platinum RuPay Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
2 RP on UPI transactions (festive promo per official page)
Is the IndusInd Bank Platinum RuPay Credit Card good for me?
Best for: UPI credit card users. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.indusind.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IndusInd Bank’s website before applying. FinancePortal is not affiliated with the issuer.