IndusInd Bank RuPay Credit Card: Benefits, Features, and Latest Updates 2025

In the rapidly growing digital era, IndusInd Bank RuPay Credit Card stands out as a perfect choice for every Indian consumers. The credit card are integrates with the Unified Payments Interface (UPI). For the financial aspect, credit cards have become crucial tools for managing expenses, enjoying exclusive perks and earning rewards.

Introduction

In the collaboration with the National Payments Corporation of India (NPCI), IndusInd Bank always becomes forefront of this innovation. While IndusInd Bank offering RuPay credit cards that provides seamlessly merge the benefits of traditional credit cards with the convenience of UPI. IndusInd Bank offers two major types of RuPay credit cards: first is the Platinum RuPay Credit Card and the second is Samman RuPay Credit Card.

So, in this article we are going to discuss the features, benefits, eligibility of applicant and application process of the IndusInd Bank RuPay Credit Card.

Why Choose the IndusInd Bank RuPay Credit Card | IndusInd bank RuPay Credit Card Benefits

Basically, RuPay is India’s homegrown card payment network, RuPay has gain more popularity due to its reasonable (low-cost) transactions, acceptance everywhere, and its features.

let’see what are the reasons to choose IndusInd Bank RuPay Credit Card.

UPI-Linked Payments: The latest update of 2025, IndusInd Bank RuPay Credit Card offers digital transactions with UPI. So, users can use instant in multiple way like by scanning QR codes or entering UPI IDs by know their limits.

ATM Withdrawals: This credit card helps to access emergency cash access to the users, So users no need to worry and use any time through ATM Withdrawals.

Cashback & Rewards: This RuPay credit card users can earn rewards and cashback on every transaction, while it depends on the users spent.

contactless Payments: It helps in making secure and fast payments comparable to other payment methods. With the help of UPI user can scan and do payment instantly even without their contact.

Credit Limit Management: Users can request for increases credit limit through UPI apps SO, they can manage their finance accordingly.

Fuel Surcharge Waiver: Users can enjoy a 1% waiver on fuel surcharges of all the petrol pumps within India.

IndusInd Bank RuPay Credit Card Features | Latest Features & Updates by May 2025

Here, we are going to discuss the updated features of the IndusInd bank rupay credit card. SO, that users can stay updated with its features.

Increased Cashback on Online Shopping: It provides 5% cashback on Flipkart, Amazon as well as other E-commerce platforms. It is up to Rs.500 per month. Also provides 2% cashback on utility bill payments like; electricity, recharge of mobile or fastag recharge and etc.

UPI Integration for RuPay Credit Cards: As of now, users can link their IndusInd RuPay Credit Card to UPI like BHIM, PhonePe, Google Pay and etc UPI platforms for quick payment option. The additional benefit is they can earn reward points even on UPI transactions.

New EMI & Loan Facilities: It can convert large purchases into the EMIs. It’s No-Cost EMIs at more than 50,000 merchants. They can get instant personal loan pre-approvals through the IndusInd Mobile Application.

Enhanced Travel Benefits: It offers 1% forex markup waiver on international transactions. So that, users can utilize this as well. It provides complimentary airport lounge access but the limitation is 4 time use per quarter.

Travel Insurance: It provides comprehensive coverage if lost baggage then user can received up to ₹1,00,000, if delayed baggage then; ₹25,000, if loss of passport then ₹50,000 and lost ticket then ₹25,000, and missed connections then ₹25,000 coverage.

Types of IndusInd Bank RuPay Credit Cards

Here, we are going to see the comparison table for the different variants of the rupay credit cards. Users can use it in different ways by their spending habits as well as by their expenses.

IndusInd Bank RuPay Credit Card Apply | How to Apply for an IndusInd RuPay Credit Card?

Applying for an IndusInd RuPay Credit Card is an easy process. Applicant simply follow these steps of the process which is given below.

Before applying, applicant can check the eligibility criteria for the credit card.

• Age: Applicant must have the age in between 21-65 years.
• Minimum Income: The income should be Rs.3 lakhs per annum if salaried or Rs.6 lakhs if they are self-employed.
• Credit Score: Applicant have 750+ credit score for the eligibility.

So, here is the steps to apply or an IndusInd RuPay Credit Card:

• Online Application: First of all applicant need to visit the official IndusInd Bank website and go to the credit card section.
• Select Card: After that they have to choose between the Platinum RuPay Credit Card or the Samman RuPay Credit Card based on their eligibility as well as preferences of using or getting card.
• Fill Application: Once; selecting the card, they need to complete the online application form with the necessary personal details and financial details.
• Submit Documents: After fill the application or form with proper details, applicant need to upload required documents such as identity proof, address proof as well as income proof.
• Verification: Once all required documents are submitted, then bank will verify your details and documents for their references.
• Approval: After successful verification, your credit card will be approved by bank within 3-7 working days and dispatched to your given address.

Apply now by clicking here: IndusInd Bank Platinum credit Card

Conclusion

If anyone looking for a low-cost, feature-rich credit card with UPI integration, the IndusInd Bank RuPay Credit Card is the best option in 2025. It provides cashback offers, fuel waivers, and travel benefits to make it ideal for frequent shoppers as well as travelers.

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