IndusInd Platinum Aura
DowngradeThe Aura Edge's grid, one product older — and a fee the bank stopped printing.
no published fee to price it against
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Vouchagram vouchers, footnoted "only applicable on select fee plan" — and IndusInd publishes no fee plan for this card, so there is no way to tell which one qualifies.
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. Everything we can source — the earn rate, the transfer routes, the lounge doors — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until IndusInd Bank publishes a fee schedule we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · the network variants
Two published marks, and they disagree. The product page says "From 1st March 2024, the value of non-cash redemption (excluding airmiles) will be 1 RP = Rs.0.35"; the card's own cash-credit T&C says "1 reward point = Rs. 0.40 of cash value". We price at the ₹0.40 — the better of the two, and the same mark its sibling Platinum Aura Edge carries, which matters because the two cards run one grid. Not the ₹0.80 house value: that belongs to the Tiger's 1:1 Air India Maharaja route and not to this card. The KrisFlyer exit is the bank's 400-for-100 table, ₹0.25 a point.
Best real exit: Singapore Airlines KrisFlyer at ₹0.28/pt (4:1 transfer).
The take
If you hold this, you hold the Platinum Aura Edge. IndusInd's two pages carry identical plan tables and the bank's own rewards-revision notice treats the pair as one grid under two names; the only published difference is a banner, "up to 4X" here against "up to 8X" on the Edge, and no table on either page substantiates either number. So the case is the Edge's case: pick the Travel Plan and you get 4 savings points per ₹100 on hotels and 2.5 on airline tickets — 1.6% and 1.0% at the ₹0.40 IndusInd's own T&C says a point is worth — and 0.5 points, or 0.2%, on everything outside your chosen plan. One plan at a time, and changing it costs ₹250. There is no lounge benefit: no IndusInd document gives this card one. Forex is the full 3.5%. What separates it from the Edge is the thing we cannot tell you. The Edge is documented lifetime free — NIL joining, NIL annual, NIL add-on, printed in the MITC. This card has no fee row at all; it sits in the MITC's "Discontinued cards" line, which carries no numbers, and its page still footnotes a welcome gift as applying "only on select fee plan", which is the bank telling you fee plans existed without telling you what they cost. We will not write ₹0 and call it lifetime free, so this card is shown with its benefits and no valuation at all. Check your own statement, then ask whether a 0.2% everyday rate is worth whatever it says.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
IndusInd Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 25 Aug 2026 Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus a program these points reach
- 20 Aug 2026 IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Travel Plan pays 4 points/₹100 on hotels (≈1.6%) and 2.5 on airline tickets (≈1.0%)
- Four selectable plans — Shop, Home, Travel, Party — each with its own 4-points top category
- The Shop, Travel and Party plans are exempt from IndusInd's low-MCC earn cut
- Total Protect fraud cover to the card limit, and a 1% fuel surcharge waiver
Watch out
- No fee is published anywhere — the MITC gives this card no row, only a mention in the discontinued list. We decline to value it rather than score an unknown fee as ₹0
- Discontinued for new sourcing, and named in the MITC's "Discontinued cards" line
- 0.5 points per ₹100 — about 0.2% — on everything outside your chosen plan's categories
- One plan at a time, and switching costs ₹250 per IndusInd's own fee schedule
- No lounge access of any kind: no IndusInd document gives this card a lounge programme
- Forex is the full 3.5%, plus a 2% dynamic-currency-conversion fee on rupee-billed foreign spends from 15-Jun-2026
- The page's own non-cash redemption mark is ₹0.35 a point — below the ₹0.40 its cash-credit T&C promises
- KrisFlyer is a decoy at 400 points for 100 miles — ₹0.25 a point against the ₹0.40 you get in cash credit
- Cash redemption is capped at 2,500 points a calendar month and carries a ₹149 fee
- Sits in IndusInd's most expensive interest tier — 3.95% a month, 47.40% a year
- 1% fee on fuel above ₹30,000 a statement cycle from 15-Jun-2026
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 21 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Delhi → Singapore Economy 76,000 IndusInd Reward Points via Singapore Airlines KrisFlyer at 4:1 the play
- Bengaluru → Singapore Business 180,000 IndusInd Reward Points via Singapore Airlines KrisFlyer at 4:1
- Mumbai → Delhi First 320,000 IndusInd Reward Points via Air Canada Aeroplan at 12.8:1 (through Singapore Airlines KrisFlyer → Marriott Bonvoy) the play
Where the miles go
1 program
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every IndusInd Bank route, side by side → · the IndusInd Reward Points hub →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
IndusInd Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official IndusInd Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
NOT PUBLISHED — this card appears in the MITC only in the "Discontinued cards" line, which carries no fee figures, and its product page has no fees-and-charges block while still footnoting a welcome gift as applying "only on select fee plan". Joining, annual and add-on fees are all unknown, and the site declines to value the card rather than record a ₹0 that would read as lifetime free (our no-guess rule). Its live sibling Platinum Aura Edge, running the same reward grid, IS documented at NIL/NIL/NIL — which is exactly why a ₹0 here would be an assumption rather than a fact. Changing your savings plan costs ₹250. No lounge programme on any network. 2% dynamic-currency-conversion fee from 15-Jun-2026, and 1% + GST on fuel above ₹30,000 a statement cycle. Cash redemption capped at 2,500 points a calendar month.
per the official IndusInd Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years
- 6 Aug 2026MaxCoins' full transfer catalogue surfaces — Accor at 2:1 re-prices the coin to ₹1.08
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
- 2 Aug 2026Flipkart SuperCoins into Maharaja Club improve to 2:1
- 26 Jul 2026Air India's quiet network retreat: Tokyo moves, Paris and San Francisco go, Malé pauses
Every IndusInd Bank change we've dated → 10 events since 2016, 8 of them nerfs — worst year 2025.
Verified against IndusInd Bank's own documents on
Not published , and we will not invent it: the annual fee.
Every document behind this page — 5 of them, each with the day we read it
- official Product page — the four reward plans, the ₹0.35 non-cash redemption mark, the 2,500-point monthly cash cap and the discontinuation notice
- official MITC / fee schedule — no fee row for this card, only a mention in the "Discontinued cards" line; interest 3.95%/mo and a ₹250 savings-plan change fee are named
- official Cash-credit redemption T&C — "Your reward points will be converted into cash credit @ 1 reward point = Rs. 0.40 of cash value"
- official Rewards-revision notice — Aura and Aura Edge are listed as separate rows with identical treatment, the issuer's own confirmation that they run one grid
- official Bank KrisFlyer redemption T&C — 400 reward points = 100 KrisFlyer miles, the 4:1 exit this card's Rewards section links to