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
Earn 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
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
UPI spends via CRED
1% cashback
₹300
Total Annual Return
₹3,600
1% 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
Earn up to 5% CRED Points on e-commerce with a RuPay card that works on UPI.