What is the annual fee for Platinum Master Credit Card?

The Platinum Master Credit Card is completely lifetime free — there's no annual fee or joining fee, making it an affordable entry point to premium banking benefits.

How to apply for Platinum Master Credit Card?

You can apply for this card through IndusInd Bank's official website or visit your nearest branch with identity, address, and income proof. The bank will assess your eligibility based on credit profile and income requirements.

What rewards does Platinum Master Credit Card offer?

The card earns 1% reward points on all spends across categories. Additionally, you receive a welcome benefit with choices including Montblanc products, The Postcard Hotel vouchers, or Vouchagram premium vouchers.

What are the eligibility criteria for Platinum Master Credit Card?

Specific eligibility criteria aren't detailed — requirements typically include minimum income thresholds, good credit score, and resident status. Contact IndusInd Bank directly or check their website for exact current eligibility norms.

Does Platinum Master Credit Card offer airport lounge access?

Lounge access details aren't specified for this card. Contact IndusInd Bank to confirm whether complimentary airport lounge access is included in your membership benefits.

Is Platinum Master Credit Card worth it?

With zero lifetime fees and 1% rewards on all purchases, it's worthwhile if you're looking for premium features without annual cost burden. The luxury welcome gifts add immediate value, though benefit value depends on your spending patterns and forex travel needs (3.5% markup applies).

Credit Cards

PremiumMidMastercard

Platinum Master Credit Card

Premium rewards without the annual fee burden

Annual feeLifetime Free

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%

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Welcome benefits

Choice of welcome gifts including Montblanc products, The Postcard Hotel voucher, Vouchagram vouchers, or Vouchagram Premium vouchers

Type: Choice

Rewards

Base earn rate

For every ₹150 spent on your IndusInd Bank Platinum Credit Card, get 1.5 Reward Points

IndusInd Bank Rewards Program

Excludes: Fuel

Redemption value

non_cash: —cash: —airmiles_krisflyer: —indus_moments: —pay_with_rewards: —

• Redemption fee: ₹100

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: Lifetime free
Interest rate: 3.95% per month (47.4% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹300
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 3.50%
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Fraud liability

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.

Travel insurance

₹1L

Baggage loss

₹1L