IndusInd Bank Platinum Aura Edge Credit Card vs SBI Cashback Credit Card
How IndusInd Bank Platinum Aura Edge Credit Card and SBI Cashback Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while SBI Cashback Credit Card carries a fee (₹999 + GST (waived on ₹2L annual spend)). If you won't reliably hit SBI Cashback Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep.
IndusInd Bank Platinum Aura Edge Credit Card — better for someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it.
SBI Cashback Credit Card — better for online shoppers who want flat, auto-credited cashback across most sites.
Side by side
| IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | SBI Cashback Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) | ₹999 + GST (waived on ₹2L annual spend) |
| Reward rate | 4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle | 5% online (cap ₹2,000/cycle) + 1% offline (cap ₹2,000/cycle) |
| Lifetime-free | Yes | No |
| Network | Visa | Visa / RuPay |
| Eligibility | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published | Approx 21–70 yrs; salaried/self-employed with stable income |
| Best for | Someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. | Online shoppers who want flat, auto-credited cashback across most sites. |
IndusInd Bank Platinum Aura Edge Credit Card
- 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
- 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
- No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh
SBI Cashback Credit Card
- 5% cashback on online spends (cap ₹2,000/cycle, revised Apr 2026)
- 1% on offline spends (cap ₹2,000/cycle); auto-credited to statement
- Excludes fuel, rent, utilities, wallet loads, insurance, EMI & more
IndusInd Bank Platinum Aura Edge Credit Card vs SBI Cashback Credit Card — FAQs
Neither is universally better. IndusInd Bank Platinum Aura Edge Credit Card suits someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. SBI Cashback Credit Card suits online shoppers who want flat, auto-credited cashback across most sites. Compare the annual fee and reward rate above against your own spending — that's what decides it.
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while SBI Cashback Credit Card carries a fee (₹999 + GST (waived on ₹2L annual spend)). If you won't reliably hit SBI Cashback Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep. On rewards, IndusInd Bank Platinum Aura Edge Credit Card gives lifetime-free card earning 4 reward points per ₹100 (8x the 0.5 rp base) on your chosen plan category whereas SBI Cashback Credit Card gives 5% cashback on almost all online spends (no merchant tie-in), auto-credited.
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free (no fee, ever), while SBI Cashback Credit Card charges ₹999 + GST (waived on ₹2L annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.