What are the key benefits of SBI Credit Cards?

SBI Credit Cards offer a wide range of benefits, including rewards, cashback, lounge access, discounts, and insurance coverage.

How can I apply for an SBI Credit Card?

You can apply for an SBI Credit Card online through the Paisabazaar platform, where you can compare card options and check for pre-approved offers.

What factors should I consider when choosing an SBI Credit Card?

Consider your spending habits, lifestyle, and financial goals to select a card that best suits your needs, such as travel, shopping, or rewards.

How can I manage my SBI Credit Card efficiently?

SBI Card offers a user-friendly mobile app and online banking services to help you manage your card, check statements, make payments, and access additional features.

What precautions should I take to avoid accumulating credit card debt?

Responsible credit card usage includes paying bills on time, managing credit limits wisely, and avoiding unnecessary spending to prevent debt accumulation.

IndusInd Bank Aura Edge Credit Card: Features, Benefits

IndusInd Bank Offers New Aura Edge Credit Card for a Modern Shopping Experience

IndusInd Bank introduces the Aura Edge Credit Card, a new addition to its range of credit card options tailored to suit the needs and spending patterns of different credit card users. This innovative card provides a contactless payment feature, along with numerous privileges. Keep reading to discover more about the IndusInd Bank Platinum Aura Edge Credit Card in this article.

The key features and benefits of the IndusInd Platinum Aura Edge Credit Card include:

1. Contactless Payment Feature: With this card, shopping becomes faster and easier through the contactless payment feature.

2. Reward Points: The card offers various reward point plans that make shopping across different categories more rewarding.

3. Fuel Surcharge Waiver: Enjoy a fuel surcharge waiver for fuel purchases made at any fuel station across India.

4. Affordable Fees: The joining fee for this card is only Rs.500, and there is no annual fee charged.

5. Personal Air Accident Insurance: Stay protected with personal air accident insurance coverage of up to Rs.25 lakhs.

6. Total Protection Plan: This plan provides insurance coverage for fraudulent transactions up to 48 hours before reporting the fraud. It also covers transactions made through counterfeit fraud.

Additional Information: Also check out our list of the top 10 credit cards that provide airport lounge access.

Furthermore, the IndusInd Bank Platinum Aura Edge Credit Card offers a range of benefits in travel, shopping, dining, and more. Its unique reward point plans cater to different shopping categories, allowing cardholders to earn attractive rewards points. Whether you're shopping at departmental stores, purchasing electronic items, dining out, buying books, or making other purchases, you can earn reward points for every Rs.100 spent.

Other benefits of this credit card include a travel insurance cover for delayed or lost baggage, passport and ticket replacement coverage, missed connection coverage, and total protection against fraudulent transactions. There is also an air accident cover of up to Rs.25 lakhs.

The contactless feature of the IndusInd Aura Edge Credit Card makes shopping convenient, simple, and secure. By simply waving the card at contactless-enabled merchant establishments, you can make superfast purchases.

Additionally, the card offers a 1% fuel surcharge waiver for transactions between Rs.400 and Rs.4000 at fuel stations across the country. It can be used globally, with acceptance at over 10 million merchant establishments worldwide.

The IndusInd Aura Edge Credit Card provides a new-generation shopping experience, allowing you to shop online, make travel bookings, and more. It offers peace of mind with its comprehensive insurance coverage and ensures secure online payments.

For detailed information about the fees and charges associated with the IndusInd Platinum Aura Edge Credit Card, refer to the schedule provided below:

- Joining Fee: Rs.500

- Annual Fee: Nil

- Railway Booking Surcharge: Rs.250

- Cash Payment at IndusInd Bank Branch: Rs.100

- Duplicate Statement Request: Rs.100 for statements beyond 3 months

- Credit Card Replacement: Rs.100

- Charge-slip Issuance

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To be eligible for the IndusInd Bank Aura Edge Credit Card, you need to meet the following criteria:

- Age: Applicants must be between 18 and 21 years old.

- Income: Steady income and meeting the debt to income ratio criterion is necessary.

- Employment: Both salaried and self-employed individuals are eligible.

- Credit Score: A good credit score of 750 and above is desired, along with a responsible credit history.

Other factors considered during the approval process include the number of existing credit cards and loans, as well as your repayment track record.

To avail the IndusInd Bank Platinum Aura Edge Credit Card, you will need to submit KYC documents and income proof along with the application form. The accepted documents are as follows:

- Address Proof: Aadhar Card, Voter's ID Card, Passport, Driving Licence, Property documents, or utility bills (latest).

- Photo ID Proof: PAN Card, ID Card issued by the employer, Driving Licence, Passport, Voter's ID Card, or Aadhar Card.

- Income Proof: Salaried individuals should submit three months' salary slips, the latest Form 16, the latest ITR, and bank account statements for the last six months. Self-employed individuals need to provide audited financial documents (balance sheet and profit and loss account) for the last two years, the latest ITR, and bank account statements for the last 12 months.

To apply for the IndusInd Bank Aura Edge Credit Card, follow these steps:

1. Visit the official website of IndusInd Bank.

2. Select "Credit Cards" under the "Products" menu.

3. Click on the "Apply Now" option.

4. Fill in basic details such as your mobile number, PAN, email ID, and current pincode.

5. Agree to the terms and conditions and accept the declaration.

6. Click on "Verify Mobile No" to complete the verification process. Once verified, the best offers will be displayed.

7. Choose the "Platinum Aura Edge Credit Card."

8. Click on the "Check your eligibility" option for the card.

9. Fill out the application form and submit it.

10. A bank representative will contact you for further details.

Additional Information: Also check IndusInd Bank Credit Card Customer Care for any queries or assistance.

Conclusion:

Should You Avail the IndusInd Bank Aura Edge Credit Card in 2024?

The IndusInd Bank Aura Edge Credit Card is an excellent choice for individuals who enjoy traveling and shopping. With its variety of reward point plans, you can save significantly on your purchases. However, before applying for any credit card, it's important to consider various factors.

This card is globally accepted, making it convenient for frequent international travelers.
The fees for the IndusInd Aura Edge Credit Card are reasonable, with a joining fee of Rs.500 and no annual fee.
Travelers can benefit from the insurance coverage for lost or delayed baggage, and other travel-related incidents.
The insurance coverage for loss or theft of the credit card provides peace of mind while traveling.
Missed connection coverage is an added advantage for those who frequently travel by air.
The card offers attractive discounts for hotel and restaurant bookings made through Eazydiner.
First-time credit card applicants will find this card suitable due to its simple eligibility criteria.
Applying for and responsibly using this card can help build a good credit score, providing access to special privileges.
If you believe that the features and benefits of the IndusInd Bank Aura Edge Credit Card align with your needs, it is definitely worth considering.
Additional Information: Also check out Rupay Credit Card for different credit card options.

Cards Similar to IndusInd Bank Aura Edge Credit Card

Apart from the IndusInd Bank Aura Edge Credit Card, other banks offer similar cards tailored to meet customers' needs. Some of the comparable credit cards include:

- IndusInd Bank Platinum Aura Edge Credit Card: Joining Fee: Rs 500; Annual Fee: Nil; Reward points: 4 points for every Rs.100 spent at departmental stores, grocery purchases, and hotel expenses.

- HDFC Moneyback Credit Card: Joining Fee: Rs 500; Annual Fee: Rs. 500; Reward Points: 4 points for every Rs.150 spent online.

- Amazon Pay ICICI Bank Credit Card: Joining Fee: Nil; Annual Fee: Nil; Reward Points: Amazon Prime members earn 5% cashback on Amazon spends.

- SBI Simply Click Credit Card: Joining Fee: Rs. 499; Annual Fee: Rs. 499; Reward Points: 10X points for online spends on Amazon, Netmeds, Apollo 24x7, EazyDiner, Clear Trip, and BookMyShow; 5X points on all other online spends.

- Axis Bank Ace Credit Card: Joining Fee: Rs. 499; Annual Fee: Rs. 499; Cashback: 5% on bill payments and recharges; 2 to 4% cashback on all other spends.

In conclusion, the IndusInd Bank Aura Edge Credit Card offers a range of benefits and features for travelers and shoppers alike. Consider your personal preferences and requirements before choosing the right credit card for your needs.