CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 13 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 reward points per ₹100 on all spends
Points are credited to your account monthly; 1 point = ₹0.15 redemption value on statement credit or vouchers. No category caps.
The privileges that come bundled in, beyond the reward points.
2 reward points per ₹100 on all spends
Fuel surcharge waiver at all petrol pumps
1 complimentary domestic airport lounge visit per quarter
Personal accident insurance cover of ₹5 lakh
UPI-enabled RuPay card
An honest read on where this card earns its keep — and where it doesn't.
Strong reward points on all spends
Fuel surcharge waiver
Quarterly lounge access
Annual fee if spend waiver not met
Redemption limited to statement credit and vouchers
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Indian Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Indian Bank RuPay Platinum Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Indian Bank RuPay Platinum Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Indian Bank RuPay Platinum Credit Card fees, reward conversion, lounge access, and application eligibility.
Indian Bank RuPay Platinum Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "5,000 reward points on spends of ₹5,000 within 30 days of card activation (as published)".
Indian Bank RuPay Platinum Credit Card earns Reward Points at a primary rate of 2 reward points per ₹100 on all spends. Specifically, Points are credited to your account monthly; 1 point = ₹0.15 redemption value on statement credit or vouchers. No category caps.. Spends in Shopping, Fuel, Travel, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, because Indian Bank RuPay Platinum Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Yes, Indian Bank RuPay Platinum Credit Card features complimentary airport lounge privileges. Privileges include: "1 complimentary domestic airport lounge visit per quarter". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Indian Bank RuPay Platinum Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Indian Bank RuPay Platinum Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Indian Bank RuPay Platinum Credit Card currently features a welcome offer: "5,000 reward points on spends of ₹5,000 within 30 days of card activation (as published)". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Strong reward points on all spends and Fuel surcharge waiver. However, keep in mind that Annual fee if spend waiver not met and Redemption limited to statement credit and vouchers. Overall, Indian Bank RuPay Platinum Credit Card delivers strong value if your regular spending aligns with Shopping, Fuel, Travel, Lifestyle.
Yes, Indian Bank RuPay Platinum Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver at all petrol pumps). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for Indian Bank RuPay Platinum Credit Card directly through Indian Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
