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Induslnd Bank Platinum Visa Credit Card
★★★☆★(3.9)The IndusInd Platinum Visa Credit Card is a high-end credit card designed for individuals who enjoy a luxurious lifestyle and travel frequently. You earn 1.5 reward points for every ₹150 spent, and the card offers complimentary travel insurance, access to airport lounges, discounts on flights and hotels, and much more. The joining fee for this card is ₹3,000. Keep reading to learn more.
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹3,000Annual Fee
NilAnnual Percentage Rate
46%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹0.85Balance from ₹25000 to ₹50000
₹1100Balance more than ₹50000
₹1300Pros
Aspects that make this credit card amazing.
- ⮚A wide range of offers and deals on premium brands.
- ⮚Priority Pass membership with lounge access.
- ⮚Cardholders can avail of dining discounts.
- ⮚Air accident cover and card liability protection.
Cons
Aspects this credit card lacks.
- ⮚Low reward points compared to other credit cards.
- ⮚It comes with a high joining fee.
- ⮚The card has a high-interest rate on outstanding balances.
- ⮚The card may not be accepted by all merchants, leading to inconvenience while using the card.
Induslnd Bank Platinum Visa Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
The IndusInd Bank Platinum Visa Credit Card offers various benefits that may interest its users. For example, the card provides 24/7 concierge services to assist with travel and entertainment needs. Additionally, users can earn rewards with every purchase and receive discounts when dining out. The card also comes with comprehensive insurance coverage that includes protection against air accidents and lost cards, which offers an added sense of security. However, it's important to note that the card may not suit everyone. For instance, the card has a joining fee that some users may find expensive. Additionally, the benefits provided by the card may not be as useful or attractive to users who do not shop or travel frequently.
Overview
| Card Type | Mid-level Credit Card |
|---|---|
| Best Suited | Shopping |
| Rewards | 1.5 Rewards for every ₹150 spent excluding fuel |
| Annual Fee | Nil |
| Joining Fee | ₹3000 |
Who should get an Induslnd Bank Platinum Visa Credit Card?
The Indusind Platinum Visa Credit Card is a great choice for people who love to travel, shop and dine in style. It comes with amazing benefits like free fuel, travel insurance, and 24/7 help from a personal assistant. Plus, users don't have to worry about a fixed credit limit and paying too much when using it abroad. If a user wants a credit card that gives him/her top-notch perks and rewards for spending, the Indusind Platinum Visa Credit Card is worth considering.
How to Apply for an Induslnd Bank Platinum Visa Credit Card?
Applying for the IndusInd Bank Platinum Visa Credit Card is simple and straightforward:
Induslnd Bank Platinum Visa Credit Card Eligibility
Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.