IndusInd Bank
CRED IndusInd Bank RuPay Credit Card
rupayclassiccreditshoppingUPI
Annual Fee
₹499
Base Reward
5% points
Foreign Markup
3.5%
4.5/5
Welcome Benefits
N/A
Product Highlights
- Zero Joining Fees
- 5 CRED Points/₹100 for e-commerce transactions
Rewards Details
Earn 5 CRED Points for every ₹100 spent on e-commerce transactions, CRED UPI, CRED Store, CRED Travel, and CRED Pay.
Reward Points — Redemption Value
- 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
school and education servicesgovernment institutionswallet loadsrentjewelleryfuelquasi-cash or cash withdrawals
Partner Merchants
CRED StoreCRED Travel
Fees & Charges
Annual Fee₹499
Joining FeeNil
Foreign Markup3.5%
Interest Rate3.95% per month
Cash Advance2.5% (Minimum ₹300)
Eligibility
Networks
rupay