IndusInd Bank
CRED IndusInd Bank RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
5% points
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- Zero Joining Fees
- 5 CRED Points/₹100 for e-commerce transactions
Category Rewards
Specialty
UPI Transactions 2X
2X
Reward Calculator
Earns ₹480/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
1.9K
IndusInd Reward Points / CRED coins
₹480
via statement credit · ₹0.25/pt
Effective rate
0.31%
Annual fee
FREE
Year 1 net
+₹480
Year 2+ net
+₹480
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 5 CRED Points for every ₹100 spent on e-commerce transactions, CRED UPI, CRED Store, CRED Travel, and CRED Pay.
- 1 CRED Point = ₹1 for Flight and Hotel Bookings Via CRED, CRED Store, and at Various CRED Merchants. 1 CRED Point = ₹0.50 for Bill Payments Via CRED.
Benefits & Features
1% Fuel Surcharge Waiver for Transactions Between ₹500 and ₹5,000
Pros & Cons
Pros
- Most suited for UPI transactions via CRED
- Earn 5 CRED Points/₹100 for all UPI transactions via CRED
Cons
- Does not provide reduced foreign exchange markup charges
- Limited value for non-CRED transactions
Additional Info
Total capping of 5,000 CRED Points for all categories.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks