Card Image
IndusInd Aura
Annual Fee
₹499
Rewards/₹100 ⓘ
₹0.25 - ₹0.50
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
700+
At a Glance
Key Benefits
2X rewards on shopping, movie discounts, fuel surcharge waiver
Lounge Access
No lounge access
Eligibility
Salaried: Rs 25,000+/month, Age: 21-60
Quick Details
Annual Fee
₹499
#75
Joining Fee
₹499
#78
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.25 - ₹0.50
#238
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee ₹500
Cash Advance Fee 2.50% (min ₹300)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Base
All Spends
₹0.25 /₹100
Cat
Shopping
₹0.50 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability.
Quick Analysis
The IndusInd Bank IndusInd Aura is a solid credit card option. With an annual fee of ₹499, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee?
Rs 499 joining and annual fee, waived on Rs 50,000 annual spend.
What rewards on shopping?
2X reward points on shopping, capped at Rs 1,500 per month.
Are there movie benefits?
Yes, discounts on movie tickets at partner theaters.
Is fuel surcharge waived?
Yes, 1% fuel surcharge waiver on Rs 400-4000 transactions.
Can I convert purchases to EMI?
Yes, EMI conversion available on purchases above Rs 2,500.
User Reviews
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