IndusInd Bank
IndusInd Bank Crest Credit Card
Annual Fee
₹11,800₹10,000 + GSTBase Reward
2.5% points
Foreign Markup
3.5% + GST
Welcome Benefits
N/A
Product Highlights
- Complimentary access to domestic and international lounges
- Discount on dining bills with Club ITC Culinaire membership
Category Rewards
dining
25% savings on dining bills
25X
entertainment
Buy One Get One on movie tickets
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Fee Waiver
Annual membership fee waived off on spending Rs. 20,00,000 in the previous year
Reward Calculator
Costs you ₹11,800/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
IndusInd Reward Points
₹0
via statement credit · ₹0.25/pt
Effective rate
0.00%
Annual fee
₹11,800
Year 1 net
₹-11,800
Year 2+ net
₹-11,800
ongoing
Adjust your spend by reward bucket
1 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
1.8%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
2.5 Reward Points for every ₹100 spent internationally and 1 Reward Point for every ₹100 spent domestically. Buy One Get One offer on BookMyShow movie tickets (max three free tickets/month). Up to ₹3,000 off on dining bills at over 100 partner restaurants.
- 1 RP = ₹0.75 for Redeeming Against Cash Credit and 2 RPs = 1 KrisFlyer Miles
Benefits & Features
Domestic: 2 complimentary domestic lounge visits quarterly under the MasterCard Lounge access program. International: 2 complimentary international lounge visits every quarter with the LoungeKey membership. Complimentary access to domestic and international lounges.
Pros & Cons
Pros
- High reward rate of 2.5 RPs/₹100 spent internationally
- Complimentary golf lessons and games
- Exclusive dining benefits
Cons
- High annual fee of ₹10,000 + GST
- Joining fee of ₹75,000 + GST
Additional Info
Reward points valid for 1 year from the date of accrual
No Priority Pass membership offered with this card
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
Fee Waiver
Annual membership fee waived off on spending Rs. 20,00,000 in the previous year