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IndusInd Bank · RuPay · हिन्दी

CRED IndusInd Bank RuPay Credit Card: full review

The CRED IndusInd card is excellent for existing CRED users who pay bills and shop via the CRED app. The 5% return with 1:1 redemption is the highest among cards at this fee level. If you do not actively use CRED, the base 1% rate is not compelling.

Apply now ↗Annual fee: ₹0 joining
Last updated: October 2026 · Current terms verified
INDUSIND BANK
RuPay
)))
CRED
ASHOK KUMAR
12/28
₹0 joining; ₹499 + taxes annual from Year 2Annual fee
5 CRED Points per ₹100 on e-commerce and CRED transactions (5%); 1 CP on others; 1 CP = ₹1Reward structure
NoneLounge access

Key benefits of the CRED IndusInd Bank RuPay Credit Card

5 CRED Points per ₹100 on e-commerce, CRED Pay, CRED UPI, CRED Travel and CRED Store (capped 5,000 CP/month)1 CRED Point per ₹100 on all other spends1 CRED Point = ₹1, redeemable for travel, hotel bookings or statement creditZero joining fee; ₹499 annual fee from Year 21% fuel surcharge waiver (₹500–₹5,000, max ₹300/month)RuPay, works on UPI and all major UPI apps
Apply now ↗ Min. income: ₹20,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Best cashback for CRED loyalists, 5% on all e-commerce and CRED transactions
✓ 1:1 redemption (1 CP = ₹1), no devalued points ratio
✓ Zero joining fee
✓ RuPay enables UPI credit card payments
Cons
✗ 5% only useful if you actively use CRED app for payments
✗ Capped at 5,000 CRED Points/month on accelerated rate
✗ ₹499 annual fee from Year 2, not truly lifetime free
✗ No lounge access
✗ Excludes fuel, jewellery, education, government, wallet loads
Quick facts
Issuer IndusInd Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 joining; ₹499 + taxes annual from Year 2
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceIndusInd Bank's CRED IndusInd Bank RuPay card page · Last checked October 2026
Recent updates

Corrected utility bills from IndusInd Bank's card page: insurance and utility bills paid through CRED earn 1% back, so utility now earns 1% in our maths instead of nothing. The 5% rate on e-commerce and CRED transactions is unchanged.

Utility bills0%1% (paid through CRED)
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Frequently asked questions
The annual fee for CRED IndusInd Bank RuPay Credit Card is ₹0 joining; ₹499 + taxes annual from Year 2. The joining fee is ₹0.
The main benefits of the CRED IndusInd Bank RuPay Credit Card are: 5 CRED Points per ₹100 on e-commerce, CRED Pay, CRED UPI, CRED Travel and CRED Store (capped 5,000 CP/month); 1 CRED Point per ₹100 on all other spends; 1 CRED Point = ₹1, redeemable for travel, hotel bookings or statement credit; Zero joining fee; ₹499 annual fee from Year 2; 1% fuel surcharge waiver (₹500–₹5,000, max ₹300/month); RuPay, works on UPI and all major UPI apps.
5 CRED Points per ₹100 on e-commerce and CRED transactions (5%); 1 CP on others; 1 CP = ₹1
CRED IndusInd Bank RuPay Credit Card is best for CRED app users wanting best cashback on online shopping and UPI payments. The CRED IndusInd card is excellent for existing CRED users who pay bills and shop via the CRED app. The 5% return with 1:1 redemption is the highest among cards at this fee level. If you do not actively use CRED, the base 1% rate is not compelling.
The minimum income requirement for CRED IndusInd Bank RuPay Credit Card is ₹20,000/month (salaried). A minimum credit score of 700+ is also recommended.
CRED IndusInd Bank RuPay Credit Card does not offer airport lounge access.
CRED IndusInd Bank RuPay Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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