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IndusInd Bank has successfully empowered millions of

demanding customers by pursuing excellence,

building long-term relationships, delivering

innovative solutions & leveraging unique insights.

For more information:

Please visit our bank branches

Call our 24-hour Phone Banking at 1860 267 7777

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IndusInd Bank Platinum Aura Edge Credit CardBenefit Guide

A card as versatile as you areHere’s a card that not only offers you the best of lifestyle but also the flexibility of rewards points. Introducing IndusInd Bank Platinum Aura Edge Credit Card that gives you the power and flexibility to make your choices. So, go ahead, and enjoy the lifestyle you’ve alwaysdreamt of.

Wishing you a warm-hearted welcome to our world.

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Aura RewardsSophisticated and loyal customers like you deserve superior Step 2 - EARN: Get Reward Points for every ̀ 100 spent on the listed recognition and status. The Rewards program on your IndusInd categories as per your chosen Platinum Savings Plan.Bank Platinum Aura Edge Credit Card is exclusive. It is specially

Step 3 - CALL: Dial our customer service number to redeem your designed to cater to your lifestyle, enabling you to enjoy the power

accumulated Reward Points by crediting in your Credit Card and freedom of maximum flexibility and no limitation as imposed by

account.other programs.

Step 4 - SAVE: Gain with every purchase you make, across all To know more, refer to your individual plan section and learn how to

outlets.maximize your savings from the chart below:

Save While You Spend: How It Works

Step 1 - SPEND: Pay with your IndusInd Bank Platinum Aura Edge Credit Card for purchases in the listed categories in your chosen Platinum Rewards Plan.

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The Platinum Aura Edge Home PlanSplurge on what you cherish the most • Electricity Bills: Pay electricity bills through your card and e a r n

2.5 Savings Points on your total bill amount.With our Platinum Aura Edge Home Plan you get more control over your expenditure and you can manage your savings better. • Insurance Premium: Pay your insurance premium with

your card and earn up to 1.5 Reward Points.Each time you spend on the listed spend categories with your IndusInd Bank Platinum Aura Edge Credit Card you earn Reward • Medical Spends: Enjoy 1.5 Reward Points on medicalPoints. expenses.

The Platinum Aura Edge Home Plan highlights: • Any other spends on Your Card apart from the abovelisted categories; you earn 0.5 Reward Points for every

• Grocery: Make buying groceries even more exciting with 4 `100 spent.

Reward Points on your total grocery and supermarket expenses.

• Cellphone Bills: Pay cellphone bills through your cardand earn 2.5 Reward Points on your total bill amount.

The Platinum Aura Edge Shop PlanNow enjoy being a big shopper • Purchase of Consumer Durables or Electronic Items: Earn 2

Reward Points on purchase of Consumer Durables or Electronic Shopping has never been such a wonderful experience. Now

Itemsequipped with the Platinum Aura Edge Shop Plan you will get an exclusive tailor-made reward plan. • Restaurant Bills: Earn 1.5 Reward Points on your entire

bill including food, drinks and tax.The Platinum Aura Edge Shop Plan helps you save more. Each time you spend on the listed spend categories with your IndusInd Bank • Books: Earn 1.5 Reward Points on purchase of books.Platinum Aura Edge Credit Card you earn Reward Points.

• Any other spends on your Card apart from the aboveThe Platinum Aura Edge Shop Plan highlights: listed categories; you earn 0.5 Reward Points for every

`100 spent.• Shopping in Departmental Stores: Enjoy 4 Reward Points

and above all the promotional schemes at various stores and shop till you drop.

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The Platinum Aura Edge Party PlanPaint the town red shop till you drop.

With our Platinum Aura Edge Party Plan you can indulge in all the • Parties in Bars and Pubs: Whether you decide to let your hair partying and socializing that your lifestyle demands. down at the trendiest discotheque in the city or just chill out with

your pals at a popular pub, you will earn up to 2 Reward Points on Each time you spend on the listed spend categories with your

your bill amount.IndusInd Bank Platinum Aura Edge Credit Card you earn Reward Points. • Movies Tickets: Going for a movie? Get a total of 1.5

Reward Points when you buy movie tickets.The Platinum Aura Edge Party Plan highlight:

• Any other spends on Your Card apart from the above listed • Restaurant Bills: Earn 4 Reward Points on your entire bill

categories; you earn 0.5 Reward Points for every `100 spent.including food, drinks and tax.

• Shopping in Departmental Store: Enjoy 2 Reward Points over and above all the promotional schemes at various stores, and

The Platinum Aura Edge Travel PlanBeing on the go was never so easy • Airline Ticket: Earn up to 2.5 Reward Points on the air ticket prices

each time you use your card to make the payment.The Platinum Aura Edge Travel Plan is the ideal plan for your frequent travelling needs. • Car Rental Expenses: Earn 1.5 Reward Points on your car rental

expenses.With your Platinum Aura Edge Travel Plan the world is your backyard. It helps you travel the smart way by offering wide range of • Railway Tickets: Travellers rejoice, you can earn 1.5 Reward Reward Points earning. Points on your railway ticket for bookings done through IRCTC.

Each time you spend on the listed spend categories with your • Any other spends on Your Card apart from the above listed IndusInd Bank Platinum Aura Edge Credit Card you earn Reward categories; you earn 0.5 Reward Points for every ̀ 100 spent.Points.

The Platinum Aura Edge Travel Plan highlights:

• Hotel Expenditure: Enjoy up to 4 Reward Points with your card every time you check out of a hotel.

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Value Chart for all Aura Edge Savings Plans

#The above illustrations are based on hypothetical estimates of periodic expenses.

*Conditions apply. For further details, please refer to the Terms & Conditions section of this booklet.

Change Your Platinum Aura Edge Savings Plan

If you want to choose a different Platinum Aura Edge savings Plan, then you need to call up IndusInd Bank Phone Banking Number 1860 267

7777 and request for the same. Please note that this is possible only after 6 months of card booking and that you will be charged a fee of ̀ 250 for

this reconfiguration. Also, you will start accruing Savings Points as per your new Platinum Aura Edge savings Plan from your next statement cycle.

Spend Category Reward Points Estimated Annual Your Annual (on `100 spent) Expenses (in `)* Savings Points*

Shopping in Departmental Stores 4 40,000 1,600

Purchase of Consumer Durables or Electronic Items 2 35,000 700

Restaurant Bills 1.5 24,000 360

Books 1.5 4,000 60

All other spends 0.5 15,000 75

Total Savings Points 2,795

Grocery Shopping 4 36,000 1,440

Cellphone Bills 2.5 18,000 450

Electricity Bills 2.5 12,000 300

Insurance Premium 1.5 10,000 150

Medical Spends 1.5 5,000 75

All other spends 0.5 18,000 90

Total Savings Points 2,505

Hotel Expenses 4 35,000 1,400

Airline tickets 2.5 45,000 1,125

Car Rental 1.5 8,000 120

Railway tickets (on IRCTC) 1.5 4,000 60

All other spends 0.5 15,000 75

Total Savings Points 2,780

Restaurant Bills 4 36,000 1,440

Shopping in Departmental Stores 2 40,000 800

Payments in Bars and Pubs 2 20,000 400

Movie Tickets 1.5 5,000 75

All other spends 0.5 15,000 75

Total Savings Points 2,790

Our tailor-made Plan

Platinum Aura EdgeShop Plan

Platinum Aura EdgeHome Plan

Platinum Aura EdgeTravel Plan

Platinum Aura EdgeParty Plan

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Redemption of RewardsWe understand your need for choice and have tailored our redemption options to provide you with the following:

• Cash credit in the ratio of 1 Reward Point = 0.5 of cash value

• Airline miles on partner airlines in the ratio of 1 Reward Point =0.5 airline mile.

• Online Shopping portal

• Gift Vouchers and many more.

Please visit www.indusind.com for more details.

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With the IndusInd Bank Platinum Aura Edge Credit Card, you can Please call the Concierge Desk at 1860 267 7777 to avail these solve your travel related queries simply by making one call. services.

IndusInd Bank, in association with our travel partner, is a one stop Conditions apply. For further details, please refer to the Terms & destination for Conditions section of this booklet.

• Flight booking

• Hotel reservations

• Visa services

• Foreign exchange

• Insurance

Aura Edge TravelTravelling around the globe might be your passion or an absolute pleasure for esteemed customers like you. necessity. We make sure that you are treated with Platinum style and

With the IndusInd Bank Platinum Aura Edge Credit Card, enjoy great care.

offers on our partner airlines.While travelling across the country for business or pleasure, comfort

Please visit www.indusind.com for details.and convenience come first. We, at IndusInd Bank, recognise this and make sure that as a IndusInd Bank Platinum Aura Edge Credit Card customer you get all this and more. We make travelling a

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Personnel Flower and Gift • Flat tyre services.Need help arranging that special gift or want to send flowers to that • Keys locked inside - No more getting locked out and stranded all special someone, leave it to the concierge. Now, you can have a gift alone, on a lonely road. IndusInd Bank Auto Assist provides you with delivered to anyone, anywhere in the world. So whatever it is, Swiss immediate help.watches or French wine, the concierge ensures your loved ones have • Battery service - Replace your battery, anywhere anytime.it delivered to them. • Emergency towing assistance - Arrange for your car to be towed to

your preferred workshop.Aura Edge Auto Assist• Accident Management & Medical Assistance.When on the road, there could be thousand things that could interrupt

your journey. An unwanted flat tyre, an unforeseen vehicle breakdown Be safe and worry-free, wherever you go.or any other emergency can now be tackled with your Platinum Auto For further details please call the Concierge Desk atAssist. 1860 267 7777With your IndusInd Bank Platinum Aura Edge Credit Card, you can

Auto assist services are available in Mumbai, Delhi, Bangalore, Pune, now call for help 24-Hours, all 365 days.Chennai and Kolkata.

• Roadside repair - Be it mechanical or electrical, your vehicle’s fault Conditions apply. For further details, please refer to the Terms & can now be fixed.Conditions section of this booklet.• Emergency fuel supply - Get Fuel at your stranded location.

Aura Edge AssistanceBeing one among the privileged, you hold the tag of being among the Reservationchosen few. At every step, we provide you impeccable service to Let the concierge handle your reservations. The concierge shall make acknowledge the prestige and recognition that you deserve. all the arrangements in the finest hotels across the world to ensure you Welcome to the world of IndusInd Bank Platinum Aura Edge Personnel have a pleasurable and comfortable stay.where your personal preferences take precedence. Flight Booking24-Hour Platinum Concierge Service The concierge will make all the necessary flight arrangements to help From making reservations in London and reserving seats for a you get to your desired destination.Broadway show in New York to tracking down that unique gift for Personnel Sports and Entertainment Bookingsomeone special, a team of global experts will make sure that your Whether it’s the FIFA finals or strawberry and cream at the Wimbledon, needs are well taken care of. We will ensure that your desire is fulfilled. the concierge will make sure you don't miss out on your favourite IndusInd Bank Platinum Aura Concierge Edge Service offers you: sporting or any event.Pre-trip Assistance Personnel Exclusive BookingNo more pre-trip worries. Collect all the information you need to know The concierge shall assist you with information on special events like before you go. The concierge will provide you with all the information workshops and talks by eminent personalities. If requested by you and about your travel destination, like the weather, important landmarks, whenever possible, the concierge will also make reservations on your behalf.modes of transport etc.

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IndusInd Bank in association with its partner Network* gives you a Please visit www.indusind.com for details.reason to celebrate each day with special offers on your IndusInd

Conditions apply. For further details, please refer to the Terms & Bank Platinum Aura Edge Credit Card. Indulge yourself with the

Conditions section of this booklet.comprehensive travel, dining and entertainment program.

*Network partner can be MasterCard or Visa basisGet great offers and discounts when you travel to your dream

your chosen/preferred partner at the time of application/upgrade.destination or dine at an exclusive restaurant with that special someone or simply catch up with your buddies for a movie.

Whatever you do, experience the best!

Aura Edge OrganiserAllow us to play a part in taking your business forward Year-End Summary of Accountsprofessionally. IndusInd Bank Platinum Aura Edge Credit Card We ensure that a record of your expenses is maintained. Your card provides you with a 360 degree approach to your finances. provides you with a year end summary to give you an overview of

your card spending for a financial year.Additional card for Business Expenses

Mixing pleasure and business was never a good idea. IndusInd Once you view your summary, you can use this benefit to help Bank offers you double the power that you expect. Track your simplify your budgeting and tax preparation. Your online year-end business expenses separately and have a record segregating your summary contains your transactions for the financial year and an business and personal expenses. analysis of your spending by Month, Merchant Name, Charge

Amounts, Merchant Category, your own charges, the charges for You can now apply for an additional card for your business

your business card or additional cards.expenses and your statement will show these expenses separately.

For your additional card, please call the 24- Hour Phone Banking Number at 1860 267 7777.

Exclusive Platinum Platform Offers

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Unforeseen events often take you by surprise. When in an • Counterfeit Fraudemergency, allow us to step in. With the IndusInd Bank Platinum It is possible that your card or card details are stolen and used Aura Edge Credit Card, you can leave your worries about fraudulent unscrupulously by producing counterfeit plastic. The IndusInd usage of your Credit Card aside. Bank Platinum Aura Edge Credit Card offers you insurance to

protect yourself against such incidents.‘Total Protect’ is the first-of-its-kind security program that covers you for unauthorised transactions on your IndusInd Bank Platinum Aura With the IndusInd Bank Platinum Aura Edge Credit Card, you also Edge Credit Card at merchant establishments. ‘Total Protect’ covers get a complimentary Personal Air Accident insurance cover of up to you for a sum up to the credit limit on your credit card and is available `25 lacs.on add-on cards as well. ‘Total Protect’ covers the following

With IndusInd Bank around to lend you a helping hand, you have • Unauthorised Transactions in case of loss / theft of Card very little to worry about.

We provide an insurance cover up to 48 hours prior to you Please refer to the terms & conditions of the applicable insurance

reporting the loss of your card to IndusInd Bank.policy or visit www.indusind.com.

Aura Edge FreedomWith your IndusInd Bank Platinum Aura Edge Credit Card, you get a At last, freedom from fuel surcharge. waiver of 1% surcharge at any petrol pump across India.

Conditions apply. For further details, please refer to the Terms & This waiver is applicable for all transactions between `400 to Conditions section of this booklet.`4,000 only.

Aura Edge Assurance

2019

Contactless Card FeaturesIndusInd Bank Platinum Aura Edge is a chip based contactless Use of IndusInd Bank Platinum Aura Edge Credit Card:Credit Card. This Card has a contactless feature that enables you to

• Faster day-to-day payments at merchant locations accepting make fast, convenient and secure everyday purchases by simply

Contactless Payments.tapping your Credit Card at merchant locations where contactless payment is accepted. It can also be used at millions of Merchant • Shopping at 1 million merchant outlets in India and over 30 million locations where standard Card payments are accepted. worldwide accepting Card Payments.

With your IndusInd Bank Platinum Aura Edge Credit Card purchase • For booking movie tickets, utility bill payments, travel, other online goods at merchant establishments, for travel, for making payments purchases.online/ e-commerce websites and withdraw cash in India as well as

• Safe online shopping and e-commerce transactions.across the globe.

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How it works:

STEP-1Look for the contactless logo

at the POS terminal

STEP-2Merchant enters the amount,tap your card at POS terminal

STEP-3Green light confirms the

completion of the transaction

SMS Alert for Better Tracking

Get instant SMS alerts on Purchases and online transactions made on your IndusInd Bank Platinum Aura Edge Credit Card.

Why do I take the IndusInd Bank Platinum Aura Edge Credit Card your credit card. You also get Personal Air Accident insurance of ̀ 25 when I already have a Platinum card that is free for life? lacs with your IndusInd Bank Platinum Aura Edge Credit Card.

Privileges are abundant when it comes to a IndusInd Bank Platinum Platinum TravelAura Edge Credit Card. The IndusInd Bank Platinum Aura Edge

How do I avail the offers under the Platinum Travel Program?Credit Card is exclusive and comes loaded with benefits that no other card offers. To avail the exclusive offers under the Platinum Travel program, all

you need to do is call the IndusInd Bank concierge on 1860 267 7777 • Your reward points on the IndusInd Bank Platinum Aura Edge card and provide them with the requisite details of your desired itinerary. are unique. You get flexibility to select from four different Platinum To avail the offer, the payment would necessarily need to be made on savings Plans for reward accumulation based on your expenses. the IndusInd Bank Platinum Aura Edge Credit Card. You can redeem these points for various exciting options.

What kind of travel services are provided by IndusInd Bank • You also get access to 700 + international airport lounges through under the Platinum Travel program? the standard membership of the priority pass program. A lounge

usage fee of USD 27 per person per visit would be applicable each The travel desk at IndusInd Bank is operated by a travel agent and time you visit a Priority Pass Lounge and will be charged to your will provide all services provided by travel agents as per practice. IndusInd Bank Platinum Aura Edge Credit Card. Over and above these services, the travel desk will also provide

cardholders with exclusive deals applicable only for IndusInd Bank • You get India’s first auto assist service and international Platinum Platinum Aura Edge Credit Cardholders. The services provided by concierge service that provides you with travel assistance and the travel agent are as underconcierge assistance, 24-hours a day.

• Flight bookings• With the IndusInd Bank Platinum Aura Edge Credit Card, in addition to 5 add-on cards, you also get an additional card for • Hotel reservationsbusiness expenses which shall show your expenses for business

• Airport transfersseparate from personal expenses that shall help you for tax and audit purposes.

• Visa services

• As an esteemed IndusInd Bank Credit Cardholder, you also get an • Foreign exchange

year end summary of accounts giving you a snapshot of your spends by month, merchant category, spends on your add-on • Insurance cards, etc.

How do I avail the travel services provided by IndusInd Bank? • With the IndusInd Bank Platinum Aura Edge Credit Card, you get

It’s simple. All you need to do to avail these travel services is call the ‘Total Protect’ which is the first-of-its-kind security program that Concierge on 1860 267 7777 and we will be happy to answer all your covers you for unauthorised transactions in case of loss/ theft of your queries.card and counterfeit fraud for a sum up to the credit limit assigned to

Frequently Asked Questions (FAQs) Rewards Program What are the four kinds of Platinum savings Plan? What benefits does each of them provide?

What is the Rewards program on the IndusInd Bank Platinum Aura Edge Credit Card? The four Platinum savings Plans have been designed keeping the

spend preferences and habits of cardholders in mind. Based upon The Rewards program is a unique rewards program specially your lifestyle, you would get higher Savings Points in categories that designed to cater to the lifestyle of discerning customers like you. matter most to you.Savings Points are reward points that you earn when you use the IndusInd Bank Platinum Aura Edge Credit Card. Based on the Plan The following are the four plans:you choose at the time of filling the application, you would earn

The Platinum Aura Edge Shop Plan different Savings Points for various types of purchases. The value of each Saving Point is Re.0.5 when you redeem them against This is a plan tailor-made for those who love shopping. It offers you outstandings in your account. savings and deals at numerous departmental stores and malls for

purchases of apparel, consumer durables, electronics, etc.How different is this from cash back promotions offered by other banks? The Platinum Aura Edge Travel Plan

The difference is that these Reward Points are valid across the year. With this plan the world is your oyster. It helps you travel smart by There are no promotional periods or duration within which you have offering unbelievably great deals and savings at various hotels and to avail the offer–this is a permanent feature on the IndusInd Bank airlines.Platinum Aura Edge Credit Card.

The Platinum Aura Edge Home PlanWhen do my Reward Points expire?

Every efficient homemaker should know how to manage money in All Reward Points earned are live till the IndusInd Bank Platinum Aura the best way possible This plan offers you the best deals and benefits Edge Credit Card account is live. when it comes to running a household.

What is the maximum number of Reward Points I can earn in a The Platinum Aura Edge Party Plan year?

This plan is exclusively for party lovers. So, if you have a hyperactive There is no cap on the Reward Points that a cardholder can earn. nightlife and exploring new hangouts is a necessity for you, then we Your earning is limited by your spend. So go ahead and spend more suggest you should go for it.on your IndusInd Bank Platinum Aura Edge Credit Card and earn

How will I get savings based on my Platinum Savings Plan?Rewards which you can redeem against various exciting options.

With your IndusInd Bank Platinum Aura Edge Credit Card you earn Is there a cap to redeem my reward points. Savings Points each time you spend on the categories listed under

There is a cap to redeem your reward points in each billing cycle. your selected Platinum savings Plan. Each Savings Point = Re.0.5 of However, IndusInd Bank reserves the right to change the redemption value. Thus, you get savings on your purchases when you redeem cap for every billing cycle at its discretion. Refer www.indusind.com these points for cash credit into your account.for updated details.

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If I have opted for a particular Platinum savings Plan (say the I used my IndusInd Bank Platinum Aura Edge Credit Card to pay Platinum Aura Edge Shop Plan), then does that mean that I won't for my grocery bills in a supermarket. As per my Platinum Aura earn Savings Points for spends on airline tickets or cell phone bills? Edge Home Plan, I should get 4 Savings Points on my expenses.

However, I have got only 0.5 Savings Points as per my credit card Your new IndusInd Bank Platinum Aura Edge Credit Card rewards statement. How is this possible?you always! Apart from the listed categories in your Plan, we will reward you with 0.5 Savings Points for ̀ 100 on all other spends. This is possible. The category of purchase will be decided on the

basis of the Merchant Category Code (MCC) for the merchant I have realised that the Platinum savings Plan I chose is not establishment where the purchase is made. You will get Savings suitable and I would like to switch to another plan. Can I request Points in all stand alone grocery outlets and supermarkets, and these for a switch over? do not include grocery or supermarket stores operating within large

format departmental stores.Yes, you can request for a switch over. If you want to choose a different Platinum savings Plan, all you need to do is call up IndusInd I used my IndusInd Bank Platinum Aura Edge Credit Card to pay Bank Phone Banking Number 1860 267 7777 and request for the for my restaurant bill in a 5 star hotel. As per my Party Plan, I same. Please note that this is possible only after 6 months and that should get 4 Savings Points on my expenses. However, I have you will be charged a fee of `250 for this reconfiguration. Also, you got only 0.5 Savings Points as per my Credit Card statement. will start accruing Savings Points as per your new Plan after your next How is this possible?statement cycle.

It is possible when Savings Points are calculated on spends incurred Spend Categories and Redemption at restaurants located within the premises of hotels and resorts.

Will I earn Savings Points for using the IndusInd Bank Platinum How do I redeem my Savings Points for direct cash credit?Aura Edge Credit Card abroad? (Say for shopping in departmental stores in Singapore) ? You can redeem your Savings Points for direct credit into your Credit

Card account. Its simple! Check your statement and see if you have Yes, you will earn Savings Points for international transactions. As accumulated the minimum required balance for redemption. mentioned earlier, the merchant store should be correctly linked to IndusInd Bank may at its discretion stipulate the minimum threshold the Merchant Category Code such that you earn the correct Saving requirement for Rewards Redemption which may change from time Points. to time.

Will I earn Savings Points even if I swipe the IndusInd Bank Concierge ServicesPlatinum Aura Edge Credit Card on merchant terminals from other banks? What are the advantages of the Concierge services?

Yes, you will earn Savings Points when you swipe the card at any The concierge service provides you with 24 hours of assistance, all merchant terminal. Please note that the category of purchase will be year through. IndusInd Bank uses the concierge service provider for decided on the basis of the Merchant Category Code (MCC) for the providing concierge services to IndusInd Bank Platinum Aura Edge merchant establishment where the purchase is made. However, in cardholders.case there is a discrepancy, please contact us immediately.

For the IndusInd Bank concierge assistance service you call a local

number. The service can be thought of as your personal assistant, a Restaurant Reservations: If you want to arrange a reservation at friend, who you can call for any request either for organising birthday your favourite restaurant, just call the concierge desk and they will parties, finding a rare gift for that someone special or even at any arrange them for you. emergency.

Sports and Entertainment Bookings: If you want tickets for the For example, if you need information about a country, Visa finals of FIFA world cup or cricket at the Wankhede, you can call the procedures, or you want hotel bookings, restaurant reservations, concierge desk. They will try and arrange for the tickets and deliver ticket for the Wimbledon or you want to send a special gift to your son them to your doorstep. in any part of the world, you can call the IndusInd Bank Concierge

Event Bookings: You can call the concierge desk for arranging for Service.tickets to any special talks or events across the world.

The Concierge shall be at your service 24 hours a day.Flower and Gift delivery: With the concierge, you can arrange to

What number do I call for the concierge service? send flowers or any special gift to anyone across the world. You can ask the concierge for the rarest of things and they will be arranged

You can call the concierge services at our Concierge on 1860 267 7777 and delivered to any place that you wish.

What are the various services that I can avail from the concierge? Will I be charged extra for using the concierge?

You can avail of the following services from the concierge desk: You will not be charged for using the concierge service. You will only be charged for the actual cost of the services, e.g. cost of the ticket if Pre-trip Assistance: With this service you can get information about you book tickets and any delivery charges that are applicable.any destination in India or abroad, information like the weather,

important landmarks, modes of transport, etc. You can plan your trip Can I get whatever gift that I want to get delivered?easily with this information.

You can ask for the rarest of gift for your loved one through the Hotel Bookings: If you need to make a booking at any hotel across concierge. The concierge will search for the gift that you have asked the world, you can call the concierge desk and the concierge desk for across the world. However, they cannot guarantee that it would be shall take care of the bookings. available. The service is on a best effort basis and they would try their

best to ensure that what you ask for is fulfilled.Flight Bookings: Your flight bookings whether in India or abroad can be handled by the concierge desk. All you will need to do is call the How does the concierge charge me for what I have asked for?concierge and the concierge will book the tickets and deliver them to you at your doorstep. The cost of the service shall be charged to your IndusInd Bank

Platinum Aura Edge Credit Card. All you will need to do is fax an For the IndusInd Bank International Travel offers, call the concierge authorisation form to the concierge desk to charge your card for the desk and the tickets will be charged on your card and delivered to requisite amount. In most cases, the service provider will charge your you at your doorstep. card based on the authorisation form. However in some cases where

the service provider is not available, your card shall be charged by Car Rental & Limousine service: If you want to rent a car while our concierge partner.travelling in India or abroad, all you will need to do is call the

concierge and the rental shall be arranged for you.

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Auto Assist How long does it normally take for the mechanic to come to me in the time of emergency?

What services do I get in the Auto Assist service?The Auto Assist service is on a best efforts basis, and the time would

Auto Assist provides you with the following services- depend on the location of the vehicle. However, normally it would take about 30 to 45 minutes to reach you within city limits and about Roadside Repair Service: In the event that your vehicle breaks one to one and half hour to reach you if you are outside city limits for down on the road due to any Mechanical / Electrical fault, Auto Assist the mechanic to reach you in case of emergency.will help in arranging for the mechanic for repair of your vehicle at the

Vehicle’s breakdown location. What number do I call if I want to use the Auto Assist service?

Emergency Fuel Supply: If your vehicle gets stranded on the road You need to call the Concierge on 1860 267 7777 for Auto Assist. due to lack of fuel, the Auto Assist shall arrange to deliver the fuel (up to 5 litres) to the location where your vehicle is stranded. What all cities is the Auto Assist service available?

Flat Tyre Services: In case of a flat tyre the Auto Assist Service shall The auto assist service is available in Delhi, Mumbai, Kolkata, arrange for a mechanic to come and repair the flat tyre. Chennai and Bangalore.

Keys Locked Inside: In the case of car keys getting locked inside Additional Card for Business expensesthe car or keys getting misplaced, we can even arrange for a

You said that I get an additional card for business expenses. locksmith to come and either prepare a new car key or open your car What do you mean?for you at the time of need.

IndusInd Bank offers you an additional card that shall be in your own Battery Service: In case the battery is dead and not functioning, the name to be used for business expenses.Auto Assist shall arrange for a service provider to come for battery

repair at the Vehicle’s breakdown location. How can I apply for this card?

Emergency Towing Assistance: In case of a breakdown where the You cannot apply for this card at the time of application. However, car needs to be towed, the Auto Assist service shall arrange for a once you receive your IndusInd Bank Platinum Aura Edge Credit towing service for taking your car to the appropriate repair shop. Card you can apply for the additional card by calling our 24-Hour

Phone Banking number at 1860 267 7777 Accident Management & Medical Assistance

Is this card free?In the unfortunate event of an accident or emergency, the Auto Assist will assist you by co-ordinating necessary activities including: Yes, the card comes complimentary for you.emergency message transmission, arranging for emergency

Do I get a separate statement for this card?medical assistance, towing of vehicles.

No, you do not get a separate statement for this card. However, your Do I need to pay when I use the Auto Assist?statement will show the expenses on this card in a separate section.

You do not need to pay for arrangement of the mechanic, however all This can help you to submit your statement for business expense expenses including labour charges or any repair charges need to be management without having to segregate these transactions paid to the mechanic. manually. As you receive the same statement, you can make one

payment for all your expenses. entitled to all the discounts and privileges offers by the Visa/MasterCard/Other Network program. However, you need to

How will I differentiate this card from my main card? specifically ask the Visa/MasterCard/Other Network Program Partner for the offer to avail the same. You have the choice to make Your additional card will contain an embossing – ‘Business’. Hence transactions at Visa/MasterCard/Other Network Program Partner you will know which card to use.outlets without availing the offers.

Year-End Summary of AccountsIf I already have a discount voucher for a particular

There is something you have mentioned about “Year-end Visa/MasterCard/Other Network Program Partner, can I use it in summary of accounts”. What do you mean? combination with the Visa/MasterCard/Other Network offer?

At the end of the financial year, your expenses for the financial year No. The offers made under the Visa/MasterCard/Other Network will be sent to you. Platinum offers program cannot be clubbed with any other offer/

scheme or promotion that any of the Program Partners may extend to IndusInd Bank will send you an analysis of all your expenses byits customers.

• MonthFuel Surcharge

• Merchant Category

Is there a limit on the amount of fuel surcharge waiver I can avail?• Your Business & Personal Cards

• Your Add-on Cards There is a cap on the amount of fuel surcharge waiver you can avail in a month. However, IndusInd Bank reserves the right to increase or

This analysis can help you in your taxation and budgeting for the next year. decrease the cap on the maximum value or number of fuel transactions permitted in a month on the credit card without any prior notice. Will I automatically get this summary?

You will automatically receive this summary in the month of June Is this waiver applicable on all my petrol purchases made on my every year on your registered email address with us. IndusInd Bank Platinum Aura Edge Credit Card?

Visa/MasterCard/Other Network Offers This waiver is applicable on all transactions between `400 - `4000 only. This waiver is applicable across all petrol pumps in India.

You mentioned a comprehensive travel, dining and entertainment program. What does the program offer? Please note that service tax levied on fuel surcharge (if any) will not

be waived and will need to be borne by the cardholders.The Visa/MasterCard/Other Network Offers are brought to you by Visa/MasterCard/Other Network and comprises of specific time Total Protectbound travel, dining and entertainment privileges and discounts.

What is ‘Total Protect’?These offers will be communicated to you from time-to-time through our website www.indusind.com and various other media vehicles. Total Protect is the first-of-its-kind card security program that covers

you for unauthorised transactions on your card at merchant If I have a IndusInd Bank Platinum Aura Edge Credit Card, will I establishments. Total Protect covers you for a sum up to the credit get these discounts and privileges automatically?limit on your card and is available on add-on cards as well.

As a IndusInd Bank Platinum Aura Edge Credit Cardholder, you are

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What does ‘Total Protection’ safeguard me against? Contactless Card Features

Platinum Aura Edge is a chip based contactless Credit Card. This Total Protection covers you for a sum up to the limit assigned on your Card has a contactless feature that enables you to make fast, credit card for the following:convenient and secure everyday purchases by simply waving your

• Unauthorised Transactions in case of loss/ theft of Card - We Credit Card at merchant locations where contactless payment is provide an insurance cover up to 48 hours prior to your reporting accepted. It can also be used at millions of Merchant locations where the loss of your card to IndusInd Bank. standard Card payments are accepted.

• Counterfeit Fraud - It is possible that your card or card details are What is IndusInd Bank Platinum Aura Edge Credit Card?stolen and used unscrupulously by producing counterfeit plastic.

It is the new generation Credit Card from IndusInd Bank which allows The IndusInd Bank Platinum Aura Edge Credit Card offers you the users to make faster payments at merchant locations with just a insurance to protect yourself against such incidentsTap where contactless payment is accepted. It can also be used for

Do I have to pay a fee to avail of ‘Total Protect’? standard shopping, online transactions and at ATMs.

No. This facility is complimentary. This facility is provided absolutely What is Contactless Payment?free of cost to all IndusInd Bank Credit Cardholders.

The contactless payment feature lets consumers make safe and secure payments with a simple tap of the card on the POS machines What steps do I need to follow if I lose my Platinum Aura Edgeat the Merchant outlets. These NFC enabled terminal transmits payment Credit Card?details and authenticate transactions without swiping the card.

• Immediately call IndusInd Bank 24-Hour Phone Banking Number Where can I use the IndusInd Bank Platinum Aura Edge Credit and report the loss/theft of your cardCard be used?

• File a Police Report (First Information Report - FIR) for the lost/stolen credit card and send us a copy of the attested FIR Anywhere that the Contactless payment PoS Machine is available,

the card can be used to tap and pay. If a contactless PoS machine is • Send the Bank a signed letter confirming the loss of your card not available, the Contactless card can still be used for swipe or dip along with a description of the incidenttransactions. If the PoS machine has a contactless

• Statement highlighting the transaction symbol displayed on it, then it is enabled for contactless payments• Completed Customer Dispute Form

How do I use my IndusInd Bank Platinum Aura Edge Credit Card?What do I need to do to register an insurance claim for the lost card ?

Look out for a retailer displaying the contactless symbol and You need to submit the following documents to IndusInd Bank:Visa/Master Card logo at the point of sale (POS). Hold your card

• Duly filled All Risk claim form within 4 cm of the secure contactless reader. Four green lights will appear. This takes no more than half a second. You can then remove • Customer dispute Formyour card and the transaction will be complete.

• Billing Statement

How close to the reader does the card need to be?• Attested FIR

You should hold your Contactless card within 4cm of the card reader. million worldwide accepting Card Payments

Is there a limit on the value of goods you can purchase with d) Cash withdrawal from all IndusInd Bank and other ATMsContactless Credit Card?

e) Safe online shopping and e-commerce transactionsYou can use your Contactless card for any amount within the overall

f) Utility and other Bill Paymentsdaily Point of Sales/Online Transaction Limit. For purchases done at the Contactless payment PoS Machine the transaction amount will Will I receive a notification each time a Transaction is done on my be limited to the per transaction limit set by the bank in line with the IndusInd Bank Platinum Aura Edge Credit Card?regulatory guideline. Please visit www.indusind.com for further details

Yes, Like a Standard Credit Card the customer will receive an SMS Will I receive a charge slip for transactions I make? and an e-mail notification each time a transaction takes place.

A contactless payment is designed to let you make transactions Is this a Chip Card?easily and conveniently. The retailer will ask if you require a charge

Yes. This Credit Card is secured with a Contact & Contactless Chip slip. If you do not require a charge slip, please advise the retailer and along with Magstripe and NFC antenna. The NFC antenna is for a charge slip will not be given.enabling Contactless Payments at Merchant locations accepting

How do I know when a payment has been made? contactless Payments. The Chip and the magstripe portion is used for Credit transactions - such as usage purchases at POS/online Your transaction is confirmed by illumination of four green indicator where Contactless payments are not accepted.lights and a display message confirming that your transaction has

been successful. What happens when the contactless transaction is declined?

Could I unknowingly have made a purchase if I walk past the In the rare event when the Contactless transaction on your Credit reader? Card is declined due to any reason the Cardholder can request the

merchant to make the payment by swiping or dipping the Card in the Your card has to be tapped within 4 centimetres of the card reader for traditional manner.more than half a second and the retailer must have first entered the

amount for you to approve. Terminals can only process one payment What happens when the transaction slip is not generated and transaction at a time, therefore reducing transaction errors. customer's account is debited?

What are the features of the IndusInd Bank Platinum Aura Edge Generally, such situation does not arise. However, in any such stray Credit Card ? cases, one may contact IndusInd Bank customer care center to

enquire about the status of the transaction.a) Platinum Aura Edge is a multi-purpose International Credit Card which can be used for the following purposes: What process needs to be followed in case of lost or stolen card?

b) Faster day-to-day payments at merchant locations accepting You may contact the IndusInd Bank Customer Care to report the loss Contactless Payments of his/her Card.

c) POS shopping at 10 lakh merchant outlets in India and over 30

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Terms & ConditionsGeneral Terms and Conditions for benefits on IndusInd Bank • IndusInd Bank and its respective business associates reserve the

Platinum Aura Edge Credit Cards right to change the terms and conditions of the Program at any

time without prior notice.• The benefits under the IndusInd Bank Platinum Aura Credit Card

Program (“Program”) are offered by IndusInd Bank (“IndusInd • These terms & conditions shall be read in conjunction with

Bank”) or business associates of IndusInd Bank on a ‘best efforts Cardholder’s Agreement and IndusInd Bank’s terms & conditions

basis’. IndusInd Bank does not underwrite or warrant the services governing the usage of the Card and other terms and conditions as

performed by the air carriers or other goods/services providers mentioned herein. The specific terms & conditions of various offers

associated with Program and shall not have any liability for any under the Program are set out below.

defect, deficiency, delay or imperfection in such goods/services or Travel Services for any loss or damage that may be suffered, or for any personal

injury to a cardholder directly or indirectly by use or non-use of the • The travel services are brought to you by a third party travel agent

products/services provided by such air carriers or service as decided by IndusInd Bank (“Service Provider”).

providers.

• Both IndusInd Bank and the Service Provider shall be acting under • The benefits under the Program are applicable to such persons

instructions through specified media from the Cardholder under who hold an active IndusInd Bank Platinum Aura Edge Credit Card

good faith. All services would be rendered on a best efforts basis ("Card") issued in India.

and shall be subject to the availability and existence of the third

party providers to render the service.• The IndusInd Bank Platinum Aura Edge Credit Cardholders

(“Cardholders”) must exercise due diligence in understanding • IndusInd Bank & the Service Provider shall not be responsible for

specific terms that may be applicable to such benefits.delays or failures to provide services caused by any strike, war,

invasion, act of foreign enemies, armed hostilities (regardless of a • Any disputes regarding delivery, service, quality or performance of formal declaration of war), civil war, rebellion, insurrection, products/services under the Program must be addressed in terrorism, political coup, riot and civil commotion, administrative or writing by the customer directly to the associated service political impediments, or radioactivity or any other event of force providers.majeure or Act of God which prevents the Service Provider from

• Any participation / availing of the benefits by Cardholder shall be rendering the services.

purely voluntary.

• (“Partners”) in the Visa/MasterCard/Other Network offers program,

Cardholder’s credit card is in ‘live’ status and the transactions nor are they liable for any for any defect, deficiency, delay or

ordered by the Cardholders is within the available credit limit on the imperfection in such goods/services or for any loss or damage that

credit card. may be suffered, or for any personal injury to a cardholder directly

or indirectly by use or non-use of the products/services provided • The Cardholder agrees that transaction charges and cost of the by the Partners or by refusal by the Partners to honor the offer

goods ordered shall be debited from his Card account. made under the Visa/MasterCard/Other Network offers.

• The transaction will be carried out by the service providers based • The Program is open for participation to all Cardholders, unless on the instructions provided to them by the Cardholder. specified, who hold valid and current Visa/MasterCard/Other

Network Cards issued in India and who make a minimum • IndusInd Bank does not underwrite or warrant the services of

purchase from the Partners using these cards during the period service providers/ goods of the vendors procured using the

specified by Partner. Details pertaining to the minimum purchase Platinum Aura Edge credit card and shall not be responsible for

and validity period of the offers are available in the individual offer any defect, deficiency, delay or imperfection in such goods/

details/ terms & conditions of the Partners. services or for any loss or damage suffered or personal injury

caused to the Cardholder directly or indirectly by the use or non- • Cardholders must exercise due diligence in understanding use of the goods/ services provided by the respective vendors/ specific terms that may be applicable to such offers.service providers.

• Any participation / availing of the benefits by Cardholders shall be • IndusInd Bank reserves the right to modify wholly or in part the purely voluntary.

scope of the services being offered under this facility.

• Any disputes regarding delivery, service, quality or performance of Visa/MasterCard/Other Network Offers Partners in the Program must be addressed in writing by the

customer directly to such Partners. • The Visa/MasterCard/Other Network are brought to you by

Visa/MasterCard/Other Network on a best efforts basis. • All offers are subject to additional and separate terms & conditions

of the Partners. Cardholders can also ascertain the applicable • IndusInd Bank & Visa/MasterCard/Other Network shall not be

terms & conditions by corresponding directly with the Partners. responsible for, nor do they guarantee the quality of goods and

services provided by any of the partner merchant establishments • IndusInd Bank and Visa/MasterCard/Other Network reserve the

The services shall be available to the Cardholder only if the

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absolute right and discretion to withdraw the Program or any offer party concierge service provider as decided by IndusInd Bank

made there under by any Partner or alter any of the terms and (“Service Provider”).

conditions of the Program at any time without prior notice.• Both IndusInd Bank and the Service Provider shall be acting under

• These terms & conditions shall be read in conjunction with instructions through specified media from the Cardholder under

IndusInd Bank’s terms & conditions governing the usage of the good faith. All services would be rendered on a best efforts basis

credit card including the Cardholders Agreement. and shall be subject to the availability and existence of the third

party providers to render the service.• Cardholders must specifically request the Partner for the offers

under the Program. Cardholders can also make transactions at • IndusInd Bank & the Service Provider shall not be responsible for

Partner outlets without participating in the Program and availing delays or failures to provide services caused by any strike, war,

the offers. invasion, act of foreign enemies, armed hostilities (regardless of a

formal declaration of war), civil war, rebellion, insurrection, • The offers made under the Program cannot be clubbed with any terrorism, political coup, riot and civil commotion, administrative or

other offer/ scheme or promotion that any of the Partners may political impediments, or radioactivity or any other event of force extend to its customers. Third party purchase/ bookings will not be majeure or Act of God which prevents the Service Provider from entertained for any of the offers provided by the Partners. rendering the services.

• Rates payable for goods & services purchased during the offer • The services shall be available to the Cardholder only if the validity period are subject to service charges and applicable Cardholder’s credit card is in ‘live’ status and the transactions Government taxes. ordered by the Cardholders is within the available credit limit on the

credit card. • Offers may be subject to other restriction by law.

• The Cardholder agrees that transaction charges and cost of the • Any dispute arising out of or in connection with this Program shall

goods ordered shall be debited from his Card account.be subject to the exclusive jurisdiction of the courts in Bangalore

only. • The transaction will be carried out by the service provider based on

the instructions provided to them by the Cardholder. Concierge Service & Auto Assist

• IndusInd Bank does not underwrite or warrant the services of • The Concierge Services & Auto Assist are brought to you by a third

service providers/ goods of the vendors procured using the

Platinum Aura Edge Credit Card and shall not be responsible for • IndusInd Bank reserves the right to change the rate of conversion

any defect, deficiency, delay or imperfection in such goods/ of Reward Points to Airline Miles or Cash Credit without prior

services or for any loss or damage suffered or personal injury notice. However this change is restricted to incremental points and

caused to the Cardholder directly or indirectly by the use or non- there will be no impact on already converted Reward Points.

use of the goods/ services provided by the respective vendors/ IndusInd Bank may at its discretion stipulate the minimum

service providers. threshold requirement for Rewards Redemption which may

change from time to time.• IndusInd Bank reserves the right to modify wholly or in part the

scope of the services being offered under this facility. • IndusInd Bank does not underwrite or warrant the services against

which the reward points are redeemed including but not limited to Fuel Surcharge waiver any activities concerning air travel services and redemption of

airline miles provided by airline partners and shall not have any • Waiver of 1% fuel surcharge is applicable on transaction between

liability for any loss, damage, defect, deficiency, delay or `400/- to ̀ 4000/- only

imperfection in such services or for any loss or damage that may

be suffered, or for any personal injury to a IndusInd Bank Credit • The waiver is applicable across all petrol pumps in IndiaCardholder (“Cardholders”) directly or indirectly by use or non-use

of the services provided by the airline or any other service provider. • The waiver can be availed only when the payment is made through

Any disputes regarding delivery, service, quality or performance of the Card

products/services under the offer must be addressed in writing by • IndusInd Bank reserves the right to impose a cap on the maximum the Cardholder directly to the airline or the service provider.

value of fuel transaction permitted in a month on the Credit Card

• Terms and Conditions of the respective airlines and service Rewards Program providers will apply.

• Savings Points are reward points that you earn when you use the • The category of purchase will be decided on the basis of the IndusInd Bank Platinum Aura Edge Credit Card. Based on the Plan Merchant Category Code (MCC) for the merchant establishment you choose at the time of filling the application, you would earn where the purchase is made. IndusInd Bank , India (”IndusInd different Savings Points for various types of purchases. The value Bank”) reserves the sole right to decide on whether a purchase of each Saving Point is Re.0.5 when you redeem them against meets the eligibility criteria as listed above. The categories of outstandings in your account. purchase (as listed in the application form) have been mapped to

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Merchant Category Codes (MCC) based on IS0 standards. Extra Savings Points will not accrue on air ticket purchases on

IndusInd Bank is NOT liable for any disputes that arise due to generic online portals.

differences in merchant code mapping maintained by acquiring • Restaurants/Eateries/Bars/Pubsbanks. However, IndusInd Bank will, on a best efforts basis, try to

reward the cardholder with equivalent points. Extra Savings Points will not accrue on spends incurred at

restaurants located within the premises of hotels and resorts.• A cardholder needs to accrue a minimum of 1000 Savings Points

Access to Airport Lounges with Priority Pass before he/she can • IndusInd bank has the right to include more spend

redeem the accumulated Savings Points.categories/Merchant Category Codes or exclude certain existing

categories/Merchant Category Codes from a specific plan.• IndusInd Bank's computation of the Savings Points shall be final,

conclusive and binding on cardholders. • Cardholders can request for a change in the choice of the

applicable Platinum savings Plan. This will be allowed only after 6 • The points are redeemable against specified goods & services as months of issuance of the card.listed by IndusInd Bank from time-to-time or through a direct credit

to the Cardholders account. • The cardholder can request for a change only once a year. The

cardholder would need to pay a reconfiguration fee for the same, Spend Category Specificas disclosed in IndusInd Bank’s Schedule of Charges.

• Utilities (Landline, Mobile and Electricity bills) This includes all Access to Airport Lounges with Priority Passdomestic spends at merchants that accept bill payments of

electricity, mobile and fixed line telephones. However, this • To avail the standard membership of the Priority Pass programme,

excludes all mobile phone handset and accessory purchases, if the cardholder needs to call the 24x7 Phone Banking Number at

any, at these locations.1860 2677777.

• Grocery & Supermarkets The cardholder will get extra Savings • The Priority Pass Card will be delivered to the Cardholder at the

Points in all standalone grocery outlets and supermarkets but not registered mailing address. To get access to a Priority Pass

at grocery or supermarket stores operating within large format lounge, the Cardholder will need to have the Priority Pass Card.

departmental stores.

• A lounge usage fee of USD 27 or applicable charges as per priority • Airlines

pass per visit per member for the cardholder and the guests will be

charged to the Card subsequent to the Cardholder's visit. and conditions listed hereunder:

• For any disputes regarding the billing of this lounge usage fee, the - Travel insurance and up to 8 complimentary visits to the

Cardholder needs to contact Priority Pass directly. international airport lounges outside India.

• Priority Pass membership is complimentary for all Platinum Aura - The Programme is offered by IndusInd Bank at an annual fee of

credit cardholders `5000.

• A usage charge of USD 27 per person is applicable each time a Travel Insurance

cardholder visits any lounge, within or outside India. This charge is • IndusInd Bank has tied up with ICICI Lombard General Insurance billed to your IndusInd Bank Credit Card.

Company Limited (“Insurance Company”) as a group manager to

• As a part of the Travel Plus programme, the usage charge of USD provide Cardholders with the following insurance cover under the

27 is waived off for the cardholder when he visits any international Program:

lounges outside India.S No. Insurance Cover Sum Assured Upto

• Usage charges of USD 27 for visits any lounge within India shall not 1. Lost Baggage `100,000

be waived off.

2. Delayed Baggage `25,000

• Usage charges of USD 27 for visits of guests of cardholders to any 3. Loss of Passport `50,000

lounge within or outside India shall not be waived off.

4. Lost Ticket `25,000• The usage charges for lounge access are subject to change as

5. Missed Connection `25,000governed by Priority Pass.

The above insurance cover shall be governed by terms & conditions • IndusInd Bank reserves the right to change the benefits offered as of the applicable policy of the Insurance Company. You may obtain a part of the Travel Plus programme without notice.copy of the insurance policy from the Insurance Company or

IndusInd Bank upon request. Salient features of the insurance cover Travel Plus

are outlined here in below:

• Under the Travel Plus programme the following benefits are

(i) Loss of checked-in baggage - In the event of loss of property provided to IndusInd Bank credit cardholders on specific terms

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whilst in the custody of an international airline, a Property beyond 6 hours of the scheduled arrival time.

Irregularity Report (PIR) must be obtained from the international The above mentioned travel insurance benefits are valid for a period airline immediately upon discovering the loss which must be of 20 days of international travel. IndusInd Bank must be informed at submitted to the Insurance Company. Medical insurance can be least 48 hours prior to commencement of international travel and availed only for person less than 65 years of age. No partial loss or within 48 hours after arrival in India to activate the above insurance damage shall be compensated by the Insurance Company. No benefits. claim will be paid for valuable items as defined in the insurance

policy.

(ii) Delay of checked-in baggage - Compensation for a sum not

exceeding the sum insured as specified above, for the expenses

incurred for emergency purchase of basic essential items in the

event that the cardholder suffers a delay of baggage of more than

12 hours from the scheduled arrival time at the destination for

delivery of baggage that has been checked by an international

airline for an international flight. A non-delivery certificate must be

obtained immediately from the international airline which must be

submitted to the Insurance Company in the event of a claim here

under.

(iii) Loss of passport and ticket - Compensation for a sum not

exceeding the sum insured as specified above for loss of or

damage to passport and travel related documents due to or on

account of confiscation or detention by customs, police or other

authority.

(iv)Missed connection - Compensation of a sum not exceeding the

sum insured as specified above, in the event the cardholder

misses or fails to take a connecting domestic or international

flight of an international airline due to the delay in arrival of another

international flight, in which the insured cardholder is traveling,

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