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▾IndusInd Platinum Plus Credit Card Review
Best for: IndusInd account holders wanting an entry-level card at a modest fee.
- Low ₹749 fee
- Welcome vouchers on fee payment
- 2 domestic lounges
- Accepts globally on Visa
- Easy eligibility
- Weak earn rate
- Only 2 lounges/year
- No international benefits
- Redemption value limited
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹749 + GST |
| Renewal fee | ₹749 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Base 2 RP per ₹100 (1% on 1:0.50 Amazon redemption). Dining earns 4 RP per ₹100. Category caps on utilities, wallet, rent.
Key benefits
- 2 domestic lounges/year
- Welcome voucher ₹500 (Amazon or Cleartrip)
- Fuel surcharge waiver 1%
- Add-on card for family
Who the IndusInd Platinum Plus is for
IndusInd savings-account customers wanting a basic card. Better independent options (Axis Flipkart, SBI SimplyCLICK) exist at this fee level.
Final verdict
Decent entry card but nothing standout. Pick only if IndusInd is your primary bank.
FAQ
Does it come with international lounge access?
No — only 2 domestic visits/year. For international, upgrade to Legend or Crest.
What is the spend waiver?
Typically ₹50K annual spend waives the renewal fee.
Can I upgrade from Platinum Plus?
Yes — IndusInd allows upgrades to Aura Edge, Crest, Legend within the card family.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.