Card Details
CRED IndusInd Bank RuPay Credit Card
Card Issuer
IndusInd Bank
Joining Fee
Zero
Annual Fee
₹499
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from IndusInd Bank
See allEarn Points
5% (Cred points)
On e-commerce (5,000-point/cycle limit shared across all 5% rows)
5%
On cred pay, travel, store & gift cards on cred (shared limit)
1%
On all other transactions (min ₹100 txn)
1%
On cred upi scan & pay (no limit)
Benefits
5 CRED Points per ₹100 on e-commerce transactions
- 5 CRED Points per ₹100 on e-commerce transactions
- No joining fee and annual fee from the second year onwards
UPI-enabled RuPay credit card
- 5 CRED Points per ₹100 on CRED UPI transactions
- 1% back as CRED Reward Points on Scan & Pay through CRED
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
E-commerce, CRED app spends & UPI via CRED
5% back as CRED points; max 5,000 CRED points/statement cycle at accelerated rate (~Rs.5,000). Points redeemable 1:1 for travel, 2:1 for bill payments; valid 24 months.
₹1,500
Scan & Pay (UPI) outside CRED app
Accelerated rate but capped at 500 CRED points/statement cycle (~Rs.500).
₹0
International transactions
1% back as CRED points on international spends.
₹0
Total Annual Return
₹18,000
5% Effective ROIThings to Keep in Mind
Multiple benefit lines are subject to T&C apply.
Reward exclusions and caps are not explicitly visible in fetched text.
Co-brand disclosure and revenue-sharing arrangement with Dreamplug Technologies Pvt. Ltd. (CRED) is stated.
Annual fee of ₹499 plus applicable taxes applies from the second year onwards.
CRED Points can only be redeemed within the CRED ecosystem and expire after 24 months.
