IndusInd Platinum RuPay Credit Card vs AU Bank LIT Credit Card

• UPI is enabled on this Credit Card
• 1% Fuel Surcharge Waiver
• Avail 2 Reward Points on every Rs. 100 transaction done via UPI
• Avail 1 Reward Point for every Rs. 100 on non UPI transactions
• Avail Rs. 0.70 for every Rs. 100 on selected merchant categories. This is applicable for UPI and Non-UPI transactions
• IndusInd Bank in association with The Oriental Insurance Company Ltd, bring you insurance coverage that includes lost baggage, delayed baggage, loss of passport, lost ticket, and missed connection
• Enjoy the facility of Total Protect that covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud
• Complimentary personal air accident insurance cover of up to Rs. 25 lakh

• Gain 10X or 5X reward points on all online domestic and international retail transactions
• Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
• Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
• Avail 1 Reward Point per Rs. 100 on other spends including insurance
• Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000

• Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
  a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
  b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
  c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
  d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
  
• Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
  
• Maximum cashback of Rs. 1,000 per category over a period of 30 days
  
• Avail up to 4 complimentary domestic lounge visits per 90 days
  
• Avail 3 months membership of ZEE5 
  
• Avail 3 months membership of Amazon Prime
  
• Avail 3 months membership of Cult pass Live subscription for home live workouts
  
• Zero lost-card liability 
• Credit Shield can be availed up to Rs. 1.5 lakhs

Pros

• Avail 2 Reward Points on every Rs. 100 transaction done via UPI
• Avail 1 Reward Point for every Rs. 100 on non UPI transactions
• Total Protect covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud

Cons

• No golf benefits
• No airport lounge access / dining/ movie benefits

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure