Aura Edge Credit Card
Key Highlights of IndusInd Aura Edge Credit Card
The key highlights of IndusInd Platinum Aura Edge Credit Card are:
- Shopping is made fast and easy with a contactless payment feature.
- Various reward points plan to make shopping under different categories rewarding.
- Fuel surcharge waiver for fuel purchase at any fuel station across the country.
- Nominal joining fee at Rs.500/-. No annual fee will be charged.
- Personal air accident insurance covers up to Rs. 25.00 lakhs
- Total protection plan wherein insurance cover will be provided up to the credit limit of both primary as well as add-on cards. In the case of any fraudulent transactions on your card, protection will be provided up to 48 hours before your reporting the fraud. Insurance protection against transactions done by stealing the details of your card, i.e., counterfeit fraud, will also be provided.
IndusInd Aura Edge Credit Card Features & Benefits
IndusInd Bank Platinum Aura Edge Credit Card is a special card designed for high-achievers. It offers special privileges in travel, shopping, dining, etc. The IndusInd aura edge credit card benefits and features are detailed below:
Reward Points
Different reward plans for different shopping categories. You can earn attractive reward points under each shopping category.
Platinum Aura Edge Shop Plan
For optimum savings on your purchases, shop under Platinum Aura Edge Shop Plan and earn reward points under each shopping category.
| Shopping Category | Reward Points on every Rs. 100 spent |
|---|---|
| Shopping at departmental stores | 4 reward points |
| Purchase of electronic items and consumer durable utility articles | 2 reward points |
| On dining out | 1.5 points |
| Purchase of books | 1.5 points |
| All other spends | 0.5 points |
Platinum Aura Edge Home Plan
Earn while you shop for your home under various categories under the Platinum Aura Edge Home Plan.
| Shopping category | Reward Points for every Rs. 100 spent |
|---|---|
| Grocery | 4 reward points |
| Payment of mobile bill | 2.5 reward points |
| Payment of electricity bill | 2.5 reward points |
| Payment of insurance premium | 1.5 reward points |
| Medical expenses | 1.5 reward points |
| All other spends | 0.5 reward points |
Platinum Aura Edge Travel Plan
Adventurers are the ones who benefit immensely from this plan. Every time they spend on the listed categories using the IndusInd Aura Edge Credit Card, they will earn reward points that can be redeemed for air miles or to pay the credit card bill.
| Shopping category | Reward points for every Rs. 100 spent |
|---|---|
| Hotel Expenses | 4 reward points |
| Purchase of air tickets | 2.5 reward points |
| Car Rentals | 1.5 reward points |
| Purchase of train tickets | 1.5 reward points |
| On all other spends | 0.5 reward points |
Platinum Aura Edge Party Plan
Your passion for parties and socialising will be rewarded when you shop with the IndusInd Bank Platinum Aura Edge Credit Card. You will earn reward points that can be redeemed for the credit card dues or air miles.
Travel Insurance Cover
You travel without the tension of delayed baggage or lost baggage with the travel insurance cover available on IndusInd Aura Edge Credit Card. The extent of insurance cover for various categories under the Travel Plus Program
| Category | Insurance Cover |
|---|---|
| Lost Baggage | Upto Rs. 1.00 lakh |
| Delayed Baggage | Upto Rs. 25000/- |
| Passport lost | Upto Rs. 50000/- |
| Ticket Lost | Upto Rs. 25000/- |
| Missed connection | Upto Rs. 25000/- |
Total Protect
You get a cover, up to the credit limit of the primary card and the add-on card in case of fraudulent transactions under Total Protect. In the case of fraudulent transactions on your stolen or lost credit card, you get insurance cover up to 48 hours before you report the loss or theft of the card. Now you can travel across the globe without the fear of fraudulent transactions on your card during your travel expedition.
Accident Cover
IndusInd Platinum Aura Edge Credit Card provides you with an air accident cover of up to Rs. 25.00 lakhs
Contactless Feature
The Contactless Credit Card feature of the IndusInd Aura Edge Credit Card makes purchases convenient, simple and secure. You can just wave the card at merchant establishments that accept contactless payments to make your purchases superfast.
Fuel Surcharge Waiver
1% fuel surcharge waiver for transactions between Rs. 400/- to Rs. 4000/- for fuel purchase at fuel stations across the country.
The other benefits of the IndusInd Bank Platinum Aura Edge Credit Card are:
- You can make secure payments for online transactions. You can use the card for online shopping, purchase of air tickets and rail tickets online, hotel and restaurant bookings, booking of movie tickets etc.
- The credit card is accepted globally thus widening the utilisation.
- You can shop at over 10 million merchant establishments the world over.
The IndusInd Aura Edge Credit Card gives you a new-gen shopping experience.
IndusInd Aura Edge Credit Card Fees & Charges
The schedule of Indusind bank platinum aura edge credit card fees and charges is detailed below:
| Nature of Charge | Details |
|---|---|
| Joining Fee | Rs. 500 |
| Annual Fee | Nil |
| Railway booking surcharge | Rs. 250/- |
| Charges for cash payment at IndusInd Bank branch | Rs. 100 |
| Request for duplicate statement | Rs. 100/- for statements beyond 3 months |
| Replacement of credit card | Rs. 100/- |
| Issue of charge-slip |
Eligibility Criteria to Apply for IndusInd Aura Edge Credit Card
To obtain the IndusInd Bank Aura Edge Credit Card, you should fulfil the following eligibility criteria:
Age: The applicant should be in the age group of 18 to 21 at the time of submitting the application.
Income: Should have a steady income and meet the debt to income ratio criterion.
Employment: Both salaried and self-employed are eligible for the credit card.
Credit Score: A good credit score is the main deciding factor. A credit score of 750 and above is desired. Keeping the credit score at a high level implies your creditworthiness and your commitment to debt repayment.
Besides this, the number of existing credit cards, loans and the repayment track is all considered before approving the request for a credit card.
Documents Required to Avail IndusInd Aura Edge Credit Card
KYC documents and income proof should be submitted along with the application form. The list of accepted documents is given below:
Address Proof:
- Aadhar Card
- Voter's ID Card
- Passport
- Driving Licence
- Property documents like sale deed or tax paid receipt.
- Utility bills (latest)
Photo ID Proof
- PAN Card
- ID Card issued by the employer
- Driving Licence
- Passport
- Voter's ID Card
- Aadhar Card
Income Proof
- Salaried individuals to submit:
- Three months salary slips
- Form 16 (latest)
- ITR (latest)
- Bank account statement for the last six months
- Self-employed individuals to submit:
- Audited financial documents like balance sheet and profit and loss account for the last two years.
- ITR for the last two years
- Bank account statement for the last 12 months
How to Apply for IndusInd Aura Edge Credit Card
IndusInd Bank Aura Edge Credit Card is designed for individuals who love to travel and shop. There are a lot of reward points plans that help you save to a large extent on your purchases. Before applying for a credit card, there are various aspects that you will have to deliberate on.
- The card is accepted globally and is convenient if you are an international traveller.
- The IndusInd aura edge credit card fees are nominal. The joining fee is Rs. 500/- and the annual fee is Nil.
- You can be stress-free about your baggage while travelling as there is considerable insurance cover for lost and delayed baggage.
- During travel, if you even lose your passport or your tickets, you need not panic as there is an insurance cover for that as well.
- Missed the connecting flight. Don't worry. You will have a missed connection cover up to Rs. 25000/- that will come in handy.
- You even need not worry about loss or theft of the credit card as there is an insurance cover up to the credit limit. You will be protected up to 48 hours prior to your reporting the loss to the bank.
- You will have attractive discounts for hotel and restaurant bookings if done through Eazydiner.
- For first-time credit card applicants, this is the most suitable card as the eligibility criteria are very simple and can easily be complied with.
- If you intend to build a credit score, this is the best card. You will have access to special privileges while your credit score will be soaring high.
If you feel the features and benefits of the card are worthwhile, you can go ahead and apply for the credit card.
Indusind Aura Edge Credit Card FAQs
At merchant establishments where contactless payment is enabled, your shopping can be fast and convenient as the payment can be made by just waving the credit card. Otherwise, you can swipe the credit card like any other credit card.
Before shopping, ensure that the merchant establishment is enabled for contactless payment. There will be a contactless symbol on the POS machine if it is enabled for contactless payment.
Hold the credit card 4 cm away from the secure contactless reader. 4 green lights will appear within seconds. Once the green light appears, you can remove the card as the transaction will be complete.
Contactless payment is allowed for purchases up to Rs. 5000/- in a day. Beyond this, you will have to swipe the credit card like any other regular card.
You can contact the IndusInd Bank Credit Card Customer Care helpline to know the status of the transaction.
The moment you realise your card is lost, you should report the same to IndusInd Bank Credit Card Customer Care and get the card blocked.