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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 9/16 categories
IndusInd · RuPay

Platinum RuPay Credit Card

Best forRent & Education
Earns0.70 RP/₹100 on rent
1st Year / Joining Fee
Not recorded
Annual fee ₹0
Renewal Fee
Not recorded
Fee waiver
None
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on rent and education, where it earns 0.70 RP/₹100

How you earn

Reward rates at a glance — exactly as recorded for this card.

Rent0.70 RP/₹100
Education0.70 RP/₹100
Insurance0.70 RP/₹100
Utilities0.70 RP/₹100
All 16 reward categories · 9 of 16 categories verified
CategoryRateCapCondition
Rent0.70 RP/₹100—Reduced rate verified in official reward schedule
Details
Status
Verified
Source
S-IND01-04
Issuer note
Reduced rate verified in official reward schedule.
Education0.70 RP/₹100—Reduced rate verified in official reward schedule
Details
Status
Verified
Source
S-IND01-04
Issuer note
Reduced rate verified in official reward schedule.
Insurance0.70 RP/₹100—Reduced rate verified in official reward schedule
Details
Status
Verified
Source
S-IND01-04
Issuer note
Reduced rate verified in official reward schedule.
Utilities0.70 RP/₹100—Reduced rate verified in official reward schedule
Details
Status
Verified
Source
S-IND01-04
Issuer note
Reduced rate verified in official reward schedule.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Bank-wide policy effective 01-Apr-2018: Fuel transactions do not accrue reward points. 1% fuel surcharge waiver applies.
Groceries——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Dining——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Food Delivery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Shopping——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Travel——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Government——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Wallet——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Railways——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
FASTag——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Telecom——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
Not recorded
Annual fee ₹0
Renewal Fee
Not recorded
Fee waiver
None
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
0.70 RP/₹100 on rent

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Fuel
  • Research pending: Food Delivery, Shopping, Government, Railways +3 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in rent, education, insurance
△ Less useful if
  • Much of your spending is in fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 1 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Fuel — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to IndusInd's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
Other categories recorded for this card
  • Online Shopping — —. Standard verified retail earn rate
  • Offline Shopping — —. Standard verified retail earn rate
  • Flights — —. Standard verified retail earn rate
  • Hotels — —. Standard verified retail earn rate
  • UPI — 2 RP/₹100. Standard verified retail earn rate
  • International — —. Standard verified retail earn rate
  • EMI — —. Standard verified retail earn rate
What DhanChakshu couldn't fully verify · 10 areas

10 areas need further verification. None of these are counted as zero.

  • • Food Delivery — research pending
  • • Shopping — research pending
  • • Government — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-26

Verification coverage: 9 of 16 categories verified · 7 still being verified

Card record last checked: 2026-09-26

Documents used
Official card page · S-IND01-01 · 2026-09-26
Official bank reward T&C · S-IND01-04 · 2026-09-26
IndusInd Bank Official Fuel Surcharge Waiver T&C · S-BW-15 · 2026-09-26
Platinum RuPay Credit CardAnnual fee ₹0