Card Details
CRED IndusInd Bank RuPay Credit Card
Monzy Score
5/ 10
Average for online shoppers.
Lifetime free, so no fee to earn back.
Card Issuer
IndusInd Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from IndusInd Bank
See allEarn Points
5%
back as CRED Points on e-commerce transactions
5%
back as CRED Points on CRED transactions
1%
back as CRED Points on Scan & Pay via CRED
1%
back as CRED Points on Insurance and utility bills on CRED
Benefits
5% back in CRED Points on e-commerce & CRED spends
- Accelerated rewards on digital shopping
- 5% back as CRED Points on e-commerce transactions
- 5% back as CRED Points on spends done on the CRED app
- Reward earn rates subject to issuer terms and conditions
RuPay credit card works on UPI for QR payments
- Card can be linked to UPI apps
- Credit card is enabled on UPI
- Issuer explains how to link the card, set a UPI PIN and pay via QR codes or merchant UPI IDs
Fuel surcharge benefit area is listed
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 ROIWhat Users Are Saying
Community Feed
Sep 2025
“Cred Rupay Card - Get it or not??”
by r/CreditCardsIndia, Sep 2025
“Cred indusind credit card application started. Thoughts? I”
by r/CreditCardsIndia, Jan 2026
“CRED × IndusInd Bank Credit Card”
by r/CreditCardsIndia, Sep 2025
“CRED IndusInd RuPay Credit Card redemption!”
by r/CreditCardsIndia, Jul 2026
“Cred x IndusInd Bank credit card LTF”
by r/CreditCardsIndia, May 2026
Frequently Asked Questions
The CRED IndusInd Bank RuPay Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because IndusInd Bank prices some variants differently.
Things to Keep in Mind
Reward earn rates marked with *T & C apply on the issuer page.
Detailed fuel surcharge waiver terms are not visible in captured text.
Co-brand disclosure indicates revenue-sharing arrangement between IndusInd Bank and Dreamplug Technologies.
