IndusInd Bank
CRED IndusInd Bank Credit Card
This is an invite only card
Top Benefits
Earn 5% back as CRED Points on CRED UPI
Payments, earn rewards on everyday UPI spends
Earn 5% back as CRED Points on all E-commerce Transactions
made with the card accelerated earn capped at 5,000 CRED Points per statement cycle
Best For
Shopping
Utility Bills
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Co-Branded RuPay rewards card earning CRED Points on every spend 5% back on E-commerce
- CRED app and CRED UPI transactions capped at 5,000 CRED Points cycle
- 1% back on Scan & Pay, Utility & Insurance bills, all other spends and international transactions
- The card is enabled on UPI
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Cred Point = ₹1
Redemption Options
- Flight & Hotel Booking
- CRED Store Purchases
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
School & Education Service
Government Institutions
Wallet Load
Rent
Jewellery
Fuel
Quasi Cash
Cash Withdrawal
For Spends Waiver
School & Education Service
Government Institutions
Wallet Load
Rent
Jewellery
Fuel
Quasi Cash
Cash Withdrawal
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.95% per month (47.40% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.95% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹300, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹250 |
Cash Payment Fees A fee of ₹100 is levied for cash payment of card dues made at an IndusInd Bank branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0–₹100 | ₹0 |
| ₹101–₹500 | ₹100 |
| ₹501–₹1,000 | ₹350 |
| ₹1,001–₹10,000 | ₹550 |
| ₹10,001–₹25,000 | ₹800 |
| ₹25,001–₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 5% back as CRED Points on CRED UPI
Payments, earn rewards on everyday UPI spends
Earn 5% back as CRED Points on all E-commerce Transactions
made with the card accelerated earn capped at 5,000 CRED Points per statement cycle
The smartest way to find your great credit card
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Company
We value your time and privacy. Your details stay secure and are used only to help you.