How to Apply for the IndusInd Platinum Aura Credit Card in 2026

title: "How to Apply for the IndusInd Platinum Aura Credit Card in 2026" slug: how-to-apply-for-indusind-platinum-aura excerpt: "Apply for the lifetime-free IndusInd Platinum Aura Credit Card with 2X reward points on every spend. Eligibility, benefits, and the application process." category: how-to-apply tags:

• indusind
• platinum-aura
• lifetime-free
• rewards
• beginners relatedCards:
• indusind-platinum-aura heroImage: /images/guides/indusind-platinum-aura.svg publishedAt: "2026-06-18T16:57:29.696Z"

The IndusInd Platinum Aura Credit Card is a lifetime-free entry-level card with 2 reward points per ₹100 on all retail spends, 1% fuel surcharge waiver, 1 free domestic lounge visit per year, and 0% APR on EMI conversions. The card is targeted at first-time credit card users and is the easiest IndusInd card to get.

Why this matters

Platinum Aura is one of the few lifetime-free cards with 1 free lounge visit per year. The 2 reward points per ₹100 on all categories is competitive with paid cards. The 0% APR on EMI conversions is a unique feature that no other card offers.

Related cards

How to Apply for the IndusInd Platinum Aura Credit Card in 2026

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    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">1</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Check Platinum Aura eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via IndusInd website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit indusind.com → Cards → Credit Cards → Platinum Aura. Click Apply Now. The form is pre-filled if you are an existing IndusInd customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in the IndusInd app. Approval takes 5–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card and activate</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, the card is delivered within 5 working days. Activate via IVR, IndusInd app, or at any IndusInd ATM by setting a 4-digit PIN.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the card for all spends to earn 2X</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card for all retail spends to earn 2 reward points per ₹100. The 2X is uncapped — no monthly cap.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the 1 free lounge visit and 0% EMI</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The card includes 1 domestic lounge visit per year via Dreamfolks. Convert any purchase to EMI at 0% APR for 3, 6, 9, or 12 months.</p>
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Common mistakes to avoid

The 2X is uncapped but excluded from fuel, EMI, and cash advances. The 1 free lounge visit is via Dreamfolks — register before your first travel. The 0% EMI is only on partner merchants — check the list in the IndusInd app.

Pro tips

• Use Platinum Aura as your default card for all retail spends
• Register on Dreamfolks and link the card before your first trip
• Pair with IndusInd Tiger for fuel and utility
• Track the 0% EMI partner merchants in the IndusInd app

Frequently asked questions

Is IndusInd Platinum Aura lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 2X cap?

2X on all retail is uncapped. There is no monthly cap.

How does the 0% EMI work?

Convert any purchase above ₹2,500 at a partner merchant to EMI at 0% APR for 3, 6, 9, or 12 months. The processing fee is 0% on partner merchants.