IndusInd Platinum RuPay credit card

IndusInd Platinum RuPay

IndusInd Bank · Rupay

IndusInd Platinum RuPay credit card lets you pay via UPI at zero MDR merchants while earning reward points on all transactions.

Annual Fee

₹499

Waived at ₹1.0L spend

Joining Fee

₹499

Base Reward Rate

2X

₹0.5/pt

Min CIBIL

700

₹3L+ income

Key Features

RuPay credit card — supports UPI credit card payments
Earn reward points on all UPI and regular spends
2X points on UPI transactions
1X on offline spends
Zero fuel surcharge at petrol pumps
Accepted at all RuPay POS and online merchants
Interest-free credit up to 50 days
Contactless payment enabled

Welcome Benefits

✓

UPI Credit Card Access

Link to PhonePe, Google Pay or any UPI app — earn credit card rewards on UPI payments

✓

Welcome Reward Points

Earn bonus reward points on first transaction within 90 days

Reward Rates by Category

Dining

3X

Travel

3X

Online

3X

Shopping

3X

Grocery

3X

Fuel

2X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
All UPI MerchantsUPI Payments2X

Airport Lounge Access

Domestic

2 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹1 Lakh

Zero Liability

Report loss promptly

100% fraudulent charges

Pros

  • UPI credit via RuPay network
  • Domestic lounge access
  • Fuel surcharge waiver
  • Annual fee waived on spend
  • Works on all UPI apps

Cons

  • Limited international acceptance
  • Basic reward rate
  • No premium travel benefits

Frequently Asked Questions

Can I use this on UPI?+
Yes — RuPay credit card links to any UPI app. Pay via UPI and earn credit card reward points on every transaction.
Where is it accepted?+
All RuPay POS, QR codes and online merchants in India. International acceptance may be limited.
What earn rate on UPI?+
2X reward points on UPI transactions. 1X on offline spends.
Annual fee?+
Low annual fee — check IndusInd Bank website for current fee and waiver threshold.
Advantage over debit card?+
Earn reward points, get interest-free credit for 50 days and build your credit score — all while using UPI.

Ready to apply?

Apply on the IndusInd Bank website. Usually takes 10 minutes.

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IndusInd Platinum RuPay

₹499/yr · 2X rewards