Choosing the right credit card is more important than ever in today’s digital world. If you’re looking for a lifetime-free credit card from IndusInd Bank, you might be confused between the IndusInd Aura Edge and the IndusInd Platinum RuPay Credit Card. These two cards don’t charge any joining or renewal fees, and they don’t offer high-end perks like airport lounge access or free movie tickets. However, what makes them valuable is their reward point system.
This article will help you clearly understand which card gives better returns for your spending habits, whether you spend more on UPI transactions, shopping, travel, dining, or everyday needs like groceries or utility bills. We’ll also explain how reward points work, how to redeem them, and who should pick which card. If you want to maximize savings without spending on card fees, this article is for you.
Let’s compare IndusInd Aura Edge vs Platinum RuPay in a simple, genuine, and complete way.
Why Compare IndusInd Aura Edge vs Platinum RuPay?
Both the Aura Edge and RuPay Credit Card are from IndusInd Bank and are lifetime-free, which makes them attractive. But they are meant for different users:
- Aura Edge offers up to 4X reward points in categories like shopping, travel, groceries, etc., based on the plan you choose.
- RuPay Credit Card offers a flat 2X reward points on UPI spends, great for people who prefer using digital wallets or apps like Google Pay, PhonePe, or BHIM.
They don’t come with luxury benefits, so the main value is from reward points and how you redeem them.
IndusInd Aura Edge Credit Card Features & Benefits
The Aura Edge Credit Card lets you choose from 4 different customised reward plans. Each plan is designed for a particular type of spending.
✅ Key Benefits
- Choose 1 of 4 reward plans: Shop, Home, Party, Travel
- Earn up to 4 reward points per ₹100 spent in select categories
- Lifetime free: No joining or renewal charges
- Redeem reward points against statement balance, airline miles, or partner stores
🔹 Reward Plans in Aura Edge (Choose One Only)
Let’s break down each reward plan for clarity.
1. Platinum Aura Shop Plan – For Regular Shoppers
If you spend mostly on shopping, electronics, or books, this plan fits best.
Spend Categories and Points Earned:
- Department Store Shopping – 4 points per ₹100
- Consumer Electronics – 2 points per ₹100
- Restaurants – 1.5 points per ₹100
- Books – 1.5 points per ₹100
- All Other Spends – 0.5 point per ₹100
2. Platinum Aura Home Plan – For Family & Household Expenses
Ideal for users who spend regularly on groceries, bills, insurance, or medical.
Spend Categories and Points Earned:
- Grocery Shopping – 4 points per ₹100
- Utility Bills – 1.4 points per ₹100
- Insurance – 1.4 points per ₹100
- Medical – 1.5 points per ₹100
- All Other Spends – 0.5 point per ₹100
3. Platinum Aura Party Plan – For Entertainment & Dining
Perfect for those who dine out or go to bars, movies, or restaurants.
Spend Categories and Points Earned:
- Restaurants – 4 points per ₹100
- Department Stores – 2 points per ₹100
- Bars & Pubs – 2 points per ₹100
- Movie Tickets – 1.5 points per ₹100
- All Other Spends – 0.5 point per ₹100
4. Platinum Aura Travel Plan – For Frequent Travellers
Best for those who spend on flights, hotels, car rentals, or railways.
Spend Categories and Points Earned:
- Hotels – 4 points per ₹100
- Flights – 2.5 points per ₹100
- Car Rentals – 1.5 points per ₹100
- Railway Tickets – 1.5 points per ₹100
- All Other Spends – 0.5 point per ₹100
🎁 Reward Redemption Options
- ₹0.40 per point for statement credit
- 400 points = 100 KrisFlyer Miles (Singapore Airlines)
- Use at select merchant stores via Pay with Rewards
IndusInd Platinum RuPay Credit Card Features & Benefits
The Platinum RuPay Credit Card focuses on digital and UPI payments. It’s simple and consistent in rewarding users across all spending.
✅ Key Benefits
- 2 reward points per ₹100 spent on UPI transactions
- 1 point per ₹100 spent on all other offline/online spends
- Lifetime free: No annual or joining fees
- Easy redemption for statement credit or airline miles
🔹 Reward Point System for RuPay Card
This card doesn’t offer multiple plans like Aura Edge but gives steady rewards:
Spending Type and Points Earned:
- UPI Payments – 2 points per ₹100
- Other Transactions – 1 point per ₹100
- Eligible Spends – Earn up to ₹0.70 cashback per ₹100
🎁 Reward Redemption Options
- ₹0.35 per point for statement credit
- 400 points = 100 KrisFlyer Miles
- Discounts via IndusMoments partners
Which Card Should You Choose?
Let’s compare the two cards directly:
| Feature | Aura Edge Credit Card | Platinum RuPay Credit Card |
|---|---|---|
| Annual Fee | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| UPI Rewards | No | 2 Points/₹100 via UPI |
| Max Reward Rate | 4 Points/₹100 (Specific plans) | 2 Points/₹100 (UPI only) |
| Statement Redemption Value | ₹0.40/Point | ₹0.35/Point |
| Airline Mile Conversion | Yes (KrisFlyer Miles) | Yes (KrisFlyer Miles) |
| Best For | Custom Spend Categories | Digital & UPI Spenders |
Genuine Recommendation
- Choose IndusInd Aura Edge if you want to maximise your savings in specific categories like groceries, dining, shopping, or travel. You can tailor the card according to your lifestyle.
- Choose IndusInd Platinum RuPay if you are a digital-first user who spends mainly through UPI apps and wants simple and consistent rewards.
FAQs
❓ Which card is better for UPI transactions?
IndusInd Platinum RuPay Credit Card is better. It offers 2 reward points per ₹100 spent on all UPI-based payments.
❓ Which card gives higher reward points?
Aura Edge gives higher reward points (up to 4 points per ₹100) in selected categories, depending on the reward plan you choose.
❓ What is the value of 1 reward point?
- Aura Edge: ₹0.40 per point (for statement credit)
- RuPay Card: ₹0.35 per point (for statement credit)
❓ Can I redeem points for airline miles?
Yes, both cards allow you to convert 400 points into 100 KrisFlyer Miles (Singapore Airlines).
❓ Do these cards offer lounge access or movie offers?
No, neither card offers premium perks like lounge access, free movie tickets, or exclusive dining deals. These are reward-only cards.
❓ Are both cards truly free for life?
Yes. Both IndusInd Aura Edge and Platinum RuPay are lifetime-free cards with no joining or renewal charges.
Conclusion
When it comes to IndusInd Aura Edge vs Platinum RuPay Credit Card, the better card depends on your spending style. If you love rewards for specific spends like travel, groceries, or dining, go for Aura Edge. If you mostly spend via UPI and want simplicity, then the RuPay Credit Card is the clear winner.
Both cards are great lifetime-free options, so your choice should focus on how and where you spend your money most often.
Read More- Find My Swipe