Crest Credit Card

The catch: a fee nobody publishes

IndusInd's current Crest page does not show the fee or the reward rates. Monzy's record lists a ₹75,000 + GST joining fee and ₹10,000 + GST a year after that. Users on Reddit describe something different: a Pinnacle holder was offered the upgrade for ₹25,000 + GST, and our sentiment report saw quotes of ₹25,000 to ₹50,000. So the price seems to depend on the offer you get. Ask for the key fact statement in writing before you pay anything.

That matters because Crest is IndusInd's super-premium card, a step above Pinnacle, and it sells experiences rather than returns. It is not the Canara Bank Crest or Crest Plus RuPay cards, which are a different bank's products for high-balance account holders.

Golf, LoungeKey and BookMyShow

Here is what you get, as of October 2026:

• Golf: 2 complimentary games and 2 lessons a month, since 10 March 2026.
• International lounges: 2 LoungeKey visits per quarter.
• BookMyShow buy one get one, up to 3 times a month. Our record shows a ₹700 cap, but not whether that is per ticket or per booking.

The ITC membership older reviews mention is gone on the Mastercard variant. It was withdrawn for existing holders on 5 October 2025, and anyone who joined on or after 15 September 2025 never got it.

Domestic lounges now depend on spend (users say ₹5 lakh a quarter)

IndusInd started tracking spend for domestic lounge access on 1 April 2026, with access unlocking from the July 2026 quarter for those who meet it. The bank's page does not state the threshold. A March 2026 Reddit thread on the IndusInd devaluation quotes it for Crest: ₹5,00,000 of spend in a quarter for 2 lounge visits. If that figure is right, it means ₹20 lakh a year for 8 domestic visits, which is why users call it the card's biggest letdown. Check the current rule with IndusInd before you count on it.

Why the points will not carry it

Our record shows 1 point per ₹100 on domestic spends, 2.5 points per ₹100 abroad, and 0.7 points on rent, utilities, education and insurance. IndusInd does not confirm these on the current page and does not publish a point value, so we cannot give you a percentage. Cash redemption is capped at 10,000 points a calendar month, so large balances take months to cash out. The higher international rate means little until you know the forex markup, which is also not stated.

Users in our sentiment report call the base reward rate disappointing for a card at this price.

Pinnacle to Crest: is the upgrade worth it?

This is the question Crest threads keep coming back to. Users report that IndusInd offers Crest as an upgrade once your existing IndusInd limit reaches about ₹5 lakh. Their general answer: not at full price. Pinnacle gives a better reward structure for its cost, and Crest's extras only pay off if you golf every month, travel abroad every quarter and book movies for two.

A quick test: write down the fee you were quoted, with GST (₹25,000 + GST is ₹29,500). Then add only what you will really use this year: a BookMyShow pair once a month, 24 golf games if you play, the LoungeKey visits for trips you will take. If that does not clearly beat the fee, Crest is a status purchase.

Monzy's verdict on IndusInd Crest

Take Crest if IndusInd waives or cuts the joining fee through a strong relationship account, and you are a regular golfer and international traveller. That is the one case where users say it is well worth holding.

Pass if you are paying a five-figure fee for everyday rewards or domestic lounges. Users comparing it at this tier prefer HDFC Infinia for reward value.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva