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Platinum Visa Credit Card - IndusInd Bank

IndusInd Bank Platinum RuPay Credit Card

  • Pay Now with UPI

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Platinum RuPay Credit Card

Get Platinum Visa Credit Card - IndusInd Bank

Platinum RuPay Credit Card

Pay Now with UPI on your IndusInd Bank Platinum RuPay Credit Card.

Credit Card enabled on UPI

Earn 2 Reward Points on every ₹ 100 transaction done through UPI

1% Fuel Surcharge Waiver* T&C Apply

No Annual Fees

    From 15th December 2024, the value of non-cash redemption (excluding airmiles) will be 1 RP = Rs.0.60

    Effective 1st September 2024, maximum reward points allowed for cash redemption will be 2500 per calendar month

Not Holding any IndusInd Bank Credit Card? Apply Now

Platinum RuPay Credit Card Rewards

IndusInd Bank Platinum RuPay Credit Card Benefits

Benefits of Platinum Master Credit Card - IndusInd Bank

Enjoy the benefits of a Credit Card with the convenience of UPI—best of both worlds—with the IndusInd Bank Platinum RuPay Credit Card. Effortlessly link your card to popular UPI apps such as BHIM, Google Pay, PhonePe etc. and enjoy seamless digital payment experience with rewards on every transaction.

Earn 2 reward points for every ₹100 spent via UPI and 1 reward point for non-UPI transactions, with flexible redemption options. That’s not all! With your UPI-linked RuPay Credit Card, enjoy additional perks including fuel surcharge waivers, travel insurance, and fraud protection coverage. Apply for your RuPay Credit Card now!

Pay Now with UPI on your IndusInd Bank Platinum RuPay Credit Card.

Link your Platinum RuPay Credit Card on UPI in Few Steps

Step 1: Open your UPI app* BHIM, PhonePe, Paytm, Google Pay.

Step 2: Select the option "Add Credit Card/Link Credit Card"

Step 3: Select Credit Card Issuer Bank (IndusInd Bank)

Step 4: Select your IndusInd Bank Platinum RuPay Credit Card

Step 5: Proceed to generate UPI PIN

*(Download the UPI app from Playstore/App Store if you are not registered on any UPI app yet, verify your mobile no. and continue from Step 2 as shared above)

Set UPI Pin

Step 1: Select Generate PIN option > Select Platinum RuPay Credit Card

Step 2: Enter Platinum RuPay Credit Card Details:

  • Last 6 digits
  • Expiry Date

(OTP will be triggered on your registered mobile number)

Step 3: Enter OTP and Set PIN of your choice

Making UPI Payments with your Platinum RuPay Credit Card

  • Scan Merchant QR Code or enter Merchant UPI ID
  • Enter Amount to be paid or pay auto-fetched amount
  • Select Platinum Rupay Credit Card from the list of payment options
  • Enter UPI PIN of your Credit Card & Click Confirm

(Transaction status can be seen in Transaction History of your UPI App)

Click here for FAQs for UPI on CC 

Here Is Why You Should Opt For UPI Payments Via Credit Cards

Travel Insurance Cover Details

Travel insurance is a priority document for all your trips. IndusInd Bank has tied up with The Oriental Insurance Company Ltd. (‘Insurance Company’) as a group manager to provide cardholders with the following insurance cover under its program:

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

Click here for terms and conditions 

Click here to view the Most Important Terms and Conditions

Click here to view the Card Holder's Agreement

Avail freedom from surcharge on petrol at petrol pumps across India. Enjoy a waiver* of 1% on fuel surcharge at any petrol pump within India.

Value Offering

Petrol Surcharge Waiver Monthly Savings Annual Savings
Monthly fuel usage @ Rs 4000 Rs 40 Rs 480

The information given in the value offering is based on certain assumptions and is for illustration purposes only. Actual savings will depend on the usage pattern of the individual cardholder.

Click here for terms and conditions

Total Protect

Has your card fallen into wrong hands? Attempted fraudulent usage of your card can no more pose a threat! Total Protect is a first-of-its-kind program that covers you for a sum up to the credit limit on your credit card and is available on add-on cards as well. With us, you can be completely worry-free about any fraudulent transactions performed using your card.

Total Protect covers you for the following:

  • Unauthorised transactions in case of loss/theft of card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your card to IndusInd Bank.
  • Counterfeit fraud: It is possible that your card or card details are stolen and used unscrupulously by producing counterfeit plastic. We offer you insurance to protect yourself against such incidents.

*Click here for terms and conditions of the applicable insurance policy.

Click here to view the Most Important Terms and Conditions

Click here to view the Card Holder's Agreement

IndusInd Bank Platinum RuPay Credit Card

Pay Now with UPI

Unlock Smart Savings by linking your Platinum RuPay credit card to UPI! Scan & Pay at any Merchant QR. Get 2 Reward Points per Rs.100 on every UPI transaction.

Apply Now
  • 1

IndusInd Bank Platinum RuPay Credit Card

Pay Now with UPI

Unlock Smart Savings by linking your Platinum RuPay credit card to UPI!Scan & Pay at any Merchant QR. Get 2 Reward Points per Rs.100 on every UPI transaction.

Apply Now

FAQs

Can I use my Platinum RuPay Credit Card for online purchases from international merchants?

Yes, you can use the Platinum RuPay Credit Card for international transactions. However, note that it comes with 3.5% Forex Mark-up. Hence, it is advisable to use it cautiously.

Are there any special benefits or discounts exclusive to Platinum RuPay Credit Card holders?

Platinum RuPay Credit Card holders enjoy several exclusive benefits, such as:

  • 2 reward points on every ₹100 spent via UPI transactions
  • 1 reward point for every ₹100 spent via non-UPI transactions
  • 1% fuel surcharge waiver
  • Travel insurance coverage worth 2.25L, with lost baggage coverage up to ₹1 lakh, passport loss cover up to ₹50,000 and Delayed baggage/ Lost ticket/ Missed connection up to ₹25,000 each.

Most importantly, you can use the card to make payments via UPI. This way, you can make purchases even when you do not have a physical credit card with you.

How to apply for Platinum RuPay Credit Card? 

To apply for the RuPay Credit Card, you can visit the IndusInd Bank website or click the ‘Apply Now’ button. Both existing and new customers are eligible to apply.

You can complete the application process online. Simply provide your details, choose a card offer, accept the card terms and do a quick VKYC and you are done. 

Is there any joining fee and annual fee for RuPay Credit Card?

The Platinum RuPay Credit Card has only a one-time joining fee applicable; there is no annual fee. This, along with the rewards programmes, fuel surcharge waiver, travel insurance coverage, and other benefits, makes the Platinum RuPay Credit Card an excellent choice.

Apply for the lifetime-free RuPay Credit Card now! 

Are there any rewards for non-UPI transactions on the Platinum RuPay Credit Card? 

 

Yes, for non-UPI transactions, you earn 1 reward point for every ₹100 spent. Additionally, you can earn ₹0.70 for every ₹100 on select merchant categories, applicable to both UPI and non-UPI transactions. However, fuel transactions are excluded from earning reward points.

The rewards program ensures that whether you use the Platinum RuPay Credit Card for UPI payments or otherwise, you will have a rewarding experience!

 

RuPay Credit Card on UPI with Biometric Authentication

A Simpler and More Secure Way to Pay

RuPay Credit Card on UPI with Biometric Authentication brings a new level of convenience and security to digital payments. Instead of entering a UPI PIN, customers can authenticate UPI payments using the device built-in biometric unlock method, such as fingerprint and face recognition. This helps make payments faster, easier and secure.

  • Fast and convenient payments using fingerprint or face recognition
  • Reduced dependency on remembering and entering UPI PINs
  • Enhanced security with device-based biometric verification
  • Seamless and intuitive payment experience
  • Protection against risks associated with PIN sharing and phishing
  • Quick checkout for everyday UPI transactions

Enable and Pay with Biometric:

Step 1:  Link your RuPay Credit Card to a preferred UPI App.
Step 2: Navigate Biometric payment settings in the UPI app, select RuPay Credit Card.
Step 3: Provide consent and click on enable/activate/setup depending upon option available on UPI Apps..
Step 4: Enter your UPI PIN related to the selected RuPay Credit Card.
Step 5: Done! Start making future UPI payments using biometric authentication.

Disable Biometric:

Step 1: Open your preferred UPI App supporting this feature..
Step 2: Navigate Biometric Payment setting in the UPI App, select RuPay Credit Card for which you want to disable biometric payment or switch to UPI PIN.
Step 3: Click on Disable or De-activate depending upon option available on UPI Apps.
Step 4: Done! Now you have switched to normal UPI PIN. 

  1. What is Biometric Authentication?

    It allows UPI payments to be authenticated using fingerprint ,fingerprint or face recognition instead of entering a UPI PIN.

  2. Why should you use biometric authentication for UPI payments?

    Biometric authentication offers faster and seamless payments, enhanced security, reduced risk of UPI PIN exposure.

  3. Is it secure?

    Yes. Biometric data is stored securely on your device and is never shared with the UPI App, Bank, or NPCI. The app only receives confirmation of successful authentication.

  4. Do I need a compatible smartphone?

    Yes, the device must support biometrics and have a biometric method registered.

  5. Can I disable this feature later?

    Yes, you can disable it from the supported UPI app settings.

  6. Which biometrics are supported?

    Supported biometrics depend on your device and may include fingerprint or , Face ID.

  7. Can I use biometrics for all UPI transactions?

    No, biometric authentication is generally available for transactions up to ₹10,000. Amounts above this limit require a UPI PIN.

  8. What happens if biometric authentication fails?

    You can complete the transaction by entering your UPI PIN.

  9. Does biometric authentication work after changing my phone?

    No. Biometric authentication must be re-enabled on a new device using above mentioned process.

  10. Does biometric authentication work after changing my UPI PIN?

    No. Biometric authentication must be re-enabled after changing UPI PIN using above mentioned process.

  11. What if I have not used UPI for 90 days?

    Your biometric will be disabled in case of you are inactive for 90-days (not even used UPI PIN). You can enable it again following the above-mentioned process.

  12. What should I do if my phone is lost or stolen?

    If your phone is lost or stolen or someone gains possession, transactions cannot be made without your Fingerprint or Face ID. In case of any suspicion, IndusInd Bank recommend to immediately contact IndusInd Bank representative at 1860 267 7777 (India) / +91 22 68577777 / 022 4220 7777 (International).

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