The Indusind Aura Edge Credit Card offers a unique blend of features exclusively for government sector employees. This card brings unmatched privileges such as cashback, low-interest rates on EMI transactions, free movie tickets, and more. With its contactless payment option, it ensures a smooth, fast, and secure shopping experience.
Table of Contents
Cashback and Benefits Breakdown
Monthly Cashback Illustration:
For spends up to ₹10,000 per statement cycle, you can earn up to ₹100 cashback, as illustrated below:
| Spends in a Cycle | Cashback @ 1% |
|---|---|
| ₹5,000 | ₹50 |
| ₹10,000 | ₹100 |
| ₹15,000 | ₹100* |
| ₹20,000 | ₹100* |
*Note: Cashback is capped at ₹100 for spends exceeding ₹10,000.
Entertainment Perks
Movie Ticket Offer
IndusInd has partnered with BookMyShow to offer a complimentary movie ticket worth ₹200 every 6 months. Enjoy seamless booking across all major theatres through BookMyShow’s platform.
Information in Table format
| Feature | Details | Real-Life Example |
|---|---|---|
| Cashback | 1% cashback on spends up to ₹10,000 (max ₹100 per statement cycle). | If you spend ₹8,000 on groceries, you’ll receive ₹80 cashback on your next billing cycle. |
| Movie Ticket Offer | Complimentary movie ticket worth ₹200 every 6 months via BookMyShow. | After 6 months, you can book a free movie ticket for a weekend show with your family. |
| Insurance Coverage | – Lost Baggage: ₹1,00,000 – Delayed Baggage: ₹25,000 – Lost Passport: ₹50,000 – Lost Ticket: ₹25,000 – Missed Connection: ₹25,000 | On a business trip, if your luggage gets lost, you can claim up to ₹1,00,000 for replacement essentials. |
| Total Protect Program | Protection against unauthorized card usage, including fraud and theft, up to 48 hours before reporting loss. | If your card is stolen and used before you realize it, you’re protected for transactions made within 48 hours. |
| Air Accident Insurance | Complimentary air accident insurance cover of up to ₹25 lakh. | If you’re traveling for work and an unfortunate air accident occurs, your family can receive compensation of ₹25 lakh. |
| Reward Points | Earn reward points on different categories (Shop, Home, Travel, Party plans). | Earn 4 points per ₹100 spent on home appliances like a new refrigerator or air conditioner. |
| Annual Savings (Reward Points) | Spend on department stores, consumer electronics, restaurants, etc., and accumulate reward points for redemption. | Spend ₹40,000 annually on department store shopping and earn 1,600 points to redeem for air miles or as credit. |
| Reward Redemption | Redeem points for air miles or credit. Max 2,500 points redeemable per month. | After accumulating 2,500 points, redeem them to reduce your credit card bill by converting points to credit. |
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Travel Benefits and Insurance
Insurance Coverage
As a cardholder, you are automatically eligible for the following insurance covers when you travel:
| Insurance Cover | Sum Assured (up to) |
|---|---|
| Lost Baggage | ₹1,00,000 |
| Delayed Baggage | ₹25,000 |
| Loss of Passport | ₹50,000 |
| Lost Ticket | ₹25,000 |
| Missed Connection | ₹25,000 |
Exclusive Security: Total Protect Program
IndusInd Bank’s Total Protect program ensures that your card is safeguarded against unauthorized usage, including counterfeit fraud and theft. The coverage extends to transactions up to 48 hours before you report the card as lost or stolen.
Air Accident Insurance
IndusInd Bank offers a complimentary air accident insurance cover of up to ₹25 lakh for cardholders. Travel stress-free, knowing that you are covered in case of any unfortunate incidents.
Reward Points and Savings
Flexible Reward Plans
IndusInd Bank provides the flexibility to choose from four reward plans to maximize your earnings. Cardholders can earn up to 8x reward points on select categories, making it easy to accumulate points that can be redeemed for cash credit or air miles.
- Shop Plan: 4 points on department store spends
- Home Plan: Earn points on home and lifestyle purchases
- Travel Plan: Earn points on travel-related spends
- Party Plan: Get rewards for dining and entertainment expenses
Example of Annual Savings on Reward Points:
| Spend Category | Savings Points per ₹100 | Estimated Annual Spends | Annual Savings Points |
|---|---|---|---|
| Department Store Shopping | 4 points | ₹40,000 | 1,600 |
| Consumer Durables and Electronics | 2 points | ₹35,000 | 700 |
| Restaurant Bills | 1.5 points | ₹24,000 | 360 |
| Books | 1.5 points | ₹4,000 | 60 |
| Other General Spends | 0.5 points | ₹15,000 | 75 |
| Total Savings Points | 2,795 |
*Note: Reward points cannot be earned on fuel transactions.
How to Redeem Your Rewards
Reward points can be redeemed for air miles or as credit against outstanding dues. A maximum of 2,500 reward points can be redeemed per month, starting from September 2024.
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Final Thoughts
The IndusInd Platinum Aura Edge Credit Card is packed with features and benefits tailored to help you save on everyday expenses. Whether you’re shopping, traveling, or enjoying entertainment, this card offers incredible rewards and comprehensive protections, making it an excellent choice for government employees.
Enjoy the privileges of modern banking with the IndusInd Platinum Aura Edge Credit Card.
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FAQs for the IndusInd Bank Platinum Aura Edge Credit Card:
1. What are the key features of the IndusInd Bank Platinum Aura Edge Credit Card?
The IndusInd Bank Platinum Aura Edge Credit Card offers a variety of features specifically designed for government sector employees. Key features include:
- 1% cashback on spends up to ₹10,000 per statement cycle
- Free movie tickets worth ₹200 every 6 months via BookMyShow
- Comprehensive travel insurance benefits
- Contactless payment for secure, fast transactions
- Rewards on various spend categories with the flexibility to choose a reward plan
- Air accident insurance of up to ₹25 lakh
2. How does the cashback program work?
The card offers 1% cashback on all spends up to ₹10,000 per statement cycle. For example:
- Spend ₹5,000, earn ₹50 cashback
- Spend ₹10,000, earn ₹100 cashback
However, cashback is capped at ₹100, even if the monthly spends exceed ₹10,000.
3. What are the entertainment perks available with this card?
Cardholders are eligible for a complimentary movie ticket worth ₹200 every 6 months, redeemable through BookMyShow. The offer allows seamless booking across major theatres via the BookMyShow platform.
4. What travel insurance benefits are provided with the Platinum Aura Edge Credit Card?
As a cardholder, you get the following travel insurance benefits:
- Lost baggage: ₹1,00,000
- Delayed baggage: ₹25,000
- Loss of passport: ₹50,000
- Lost ticket: ₹25,000
- Missed connection: ₹25,000
These coverages are provided automatically whenever you travel, ensuring peace of mind.
5. What is the Total Protect Program, and how does it work?
The Total Protect Program ensures that your card is covered against fraudulent and unauthorized transactions. This includes protection from counterfeit fraud and theft. The program covers transactions up to 48 hours before you report the card as lost or stolen, adding an extra layer of security.
6. Does the card offer any accident insurance?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card offers complimentary air accident insurance coverage of up to ₹25 lakh. This ensures that you are financially protected in the event of any unfortunate incidents while traveling by air.
7. How do reward points work, and what categories earn points?
The card provides flexible reward plans tailored to your spending habits. You can choose from four different reward plans:
- Shop Plan: Earn 4 points on department store purchases
- Home Plan: Points for home and lifestyle purchases
- Travel Plan: Points for travel-related spends
- Party Plan: Rewards for dining and entertainment expenses
Points can be accumulated and redeemed for air miles or credit against your card’s outstanding dues.
8. How do I redeem my reward points?
Reward points can be redeemed in two ways:
- For air miles
- As credit against your outstanding dues
Starting from September 2024, a maximum of 2,500 reward points can be redeemed per month. This gives flexibility to cardholders to utilize their points based on their preferences.
9. Are there any exclusions in the rewards or cashback program?
Yes, reward points cannot be earned on fuel transactions. Additionally, cashback is capped at ₹100 for spends exceeding ₹10,000 in a statement cycle.
10. Is the IndusInd Bank Platinum Aura Edge Credit Card a good choice for government employees?
Yes, the IndusInd Bank Platinum Aura Edge Credit Card is an excellent choice for government employees, offering cashback, reward points, comprehensive insurance coverage, and exclusive entertainment perks. Its tailored features make it ideal for managing everyday expenses while earning valuable rewards.