IndusInd Platinum RuPay Credit Card
Offers:
- LTF: Got a Lifetime Free offer via the mobile app.
- Instant Digital Card: Received immediately upon approval.
- Shared Limit: 3rd active IndusInd card, sharing limit with Legend.
Features:
- Joining/Annual Fee: Free!
Benefits:
- 2 Points for every ₹100 spent on UPI transactions.
- 1 Point for every ₹100 spent on non-UPI transactions.
- 0.7 Points for Insurance, Utility, Government, and Education spends.
- 1% Fuel Surcharge Waiver (max ₹4,000 on fuel).
- Complimentary Insurance Benefits.
Exclusions:
- Rent and Fuel are not eligible for rewards.
Rewards Redemption:
- Cash/Vouchers: ₹0.35 per point (0.7% value).
- Vistara: 1:1 Transfer (minimum 100 points).
- Intermiles: 1:1 Transfer (minimum 100 points).
Highlight:
- 2% Vistara Points Back is a standout feature!
Verdict:
- Pros: Great offering, especially with Lifetime Free status and 2% CV points on UPI transactions.
- Cons: The points earning rate for UPI transactions is only on multiples of ₹100, and many transactions won’t earn points.
Comparison:
- HDFC Tata Neu Infinity remains the top UPI card with 1.5% Neu Coins back, offering better flexibility and value.
Your Thoughts? Which card do you prefer? Is the IndusInd Platinum RuPay Card the new UPI king or does HDFC Tata Neu Infinity still lead the way?