IndusInd Bank Platinum Aura Edge Credit Card vs SBI SimplySAVE Credit Card
How IndusInd Bank Platinum Aura Edge Credit Card and SBI SimplySAVE 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 SimplySAVE Credit Card carries a fee (₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)). If you won't reliably hit SBI SimplySAVE 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 SimplySAVE Credit Card — better for everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card.
Side by side
| IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | SBI SimplySAVE Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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 | 10 RP per ₹150 on dining/movies/groceries/departmental stores (~1.7%); 1 RP per ₹150 on other spends (~0.17%); 1 RP = ₹0.25 |
| Lifetime-free | Yes | No |
| Network | Visa | Visa / Mastercard / RuPay |
| Eligibility | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published | Age approx 21-70 years (salaried and self-employed); minimum income approx ₹20,000/month (aggregator-sourced) |
| 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. | Everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card. |
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 SimplySAVE Credit Card
- 10 RP per ₹150 on dining, movies, groceries and departmental stores (1 RP = ₹0.25, i.e. ~1.7%); 1 RP per ₹150 elsewhere
- Welcome bonus of 2,000 Reward Points on spending ₹2,000 within 60 days of issuance
- 1% fuel surcharge waiver on transactions of ₹500-3,000 (capped at ₹100 per statement cycle)
IndusInd Bank Platinum Aura Edge Credit Card vs SBI SimplySAVE 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 SimplySAVE Credit Card suits everyday spenders who want accelerated rewards on dining, movies, groceries and department-store purchases on a low-fee card. 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 SimplySAVE Credit Card carries a fee (₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)). If you won't reliably hit SBI SimplySAVE 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 SimplySAVE Credit Card gives 10x reward points (10 rp per ₹150) on dining, movies, groceries and departmental store spends — effective ~1.7% reward value
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free (no fee, ever), while SBI SimplySAVE Credit Card charges ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh 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.