What is the annual fee for CRED IndusInd Bank RuPay Credit Card?

The annual fee for CRED IndusInd Bank RuPay Credit Card is ₹499.

What is the joining fee for CRED IndusInd Bank RuPay Credit Card?

The one-time joining fee for CRED IndusInd Bank RuPay Credit Card is nil (no joining fee).

What are the rewards and benefits of CRED IndusInd Bank RuPay Credit Card?

CRED IndusInd Bank RuPay Credit Card earns points rewards. Reward rate ranges from 1% to 5%.

What is the eligibility criteria for CRED IndusInd Bank RuPay Credit Card?

To be eligible for CRED IndusInd Bank RuPay Credit Card, you need a minimum monthly income of ₹20,000.

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IndusInd Bank

CRED IndusInd Bank RuPay Credit Card

Name: CRED IndusInd Bank RuPay Credit Card
Brand: IndusInd Bank
Price: 499 INR
Availability: InStock

The CRED IndusInd Bank RuPay Credit Card is a co-branded credit card offering accelerated rewards on online and CRED app transactions, with seamless UPI integration and fuel surcharge waivers.

Co-branded

CardCheck ScoreVery Good

Top Category Performance

RuPay UPI Scan & Pay (88/100)

Best for: Online shopping and UPI transactions with CRED app

Joining Fee

Free

Annual Fee

₹499

Reward Rate (%)

1 – 5

Forex Markup

3.5%

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

22/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

RuPay UPI Payments

88/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Cashback Spends

75/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

CRED IndusInd Bank RuPay Credit Card Benefits

5% back as CRED Reward Points on eligible e-commerce transactions

5% back on CRED Pay, CRED Store, CRED Travel, gift cards and online UPI payments through CRED

Accelerated 5% rewards capped at 5,000 CRED Reward Points per statement cycle

1% back on CRED UPI Scan & Pay transactions with no reward cap

1% back on utility and insurance payments made through CRED

1% back on other eligible transactions, including international spends

1 CRED Reward Point = ₹1 on CRED flights, hotels, Store and eligible CRED Pay merchants

RuPay card supports credit-card payments through UPI merchant transactions

CRED IndusInd Bank RuPay Credit Card Rewards

How you earn back on every swipe

points

Reward type

1% – 5%

Earn rate

₹1

Per point

24 months

Point expiry

₹5,000

Monthly cap

CRED IndusInd Bank RuPay Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining feeFree

Annual fee₹499

Interest rate (APR)47.4%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹300)

Over-limit fee2.5%

Forex markup3.5%

Fuel surcharge waiverYes (₹500–₹5000)

1 CRED Reward Points = ₹1 : On CRED flights & CRED hotels 1 CRED Reward Points = ₹0.5 : On card-bill or utility-bill payments on CRED

Things to Keep in Mind

transportation & tolls
fuel
loan and EMI
online education payments
payments to government institutions/services/charges
wallet loads
rent
jewellery

Card Features

Metal Card

Contactless

UPI Linked

Annual Fee: ₹499

This card carries a fixed annual fee of ₹499. At ~5% estimated return, spending approximately ₹832/mo earns enough rewards to fully offset the annual fee.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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CRED IndusInd Bank RuPay Credit Card Eligibility

Age18+ yrs – 70

Min. income₹20,000/month

CIBIL scoreCardCheck Estimate

720+

Employment type

SalariedSelf employed

Pros & Cons

Pros

Excellent 5% reward rate across a broad range of online purchases
Strong option for users who already use the CRED ecosystem extensively
5% rewards on eligible online UPI payments made through CRED
1% rewards on CRED Scan & Pay with no reward-point cap
Up to ₹1 value per CRED Reward Point on travel, Store and eligible CRED Pay redemptions
₹0 joining fee keeps initial cost low
RuPay UPI support makes the card useful for everyday merchant payments
No separate reward-redemption fee for CRED Reward Points

Cons

₹499 annual fee with no spend-based annual-fee waiver
5% accelerated rewards are capped at 5,000 CRED Reward Points per statement cycle
CRED Points are worth only ₹0.50 each when used for card-bill or utility-bill payments
Travel, Store and eligible CRED Pay redemptions can use points for only up to 70% of a transaction
CRED Scan & Pay outside the CRED app earns no rewards
No rewards on fuel, rent, wallet loads, jewellery, government, toll/transport, EMI and several other categories
3.5% forex markup makes the card weak for international spending despite earning 1% rewards
No meaningful complimentary airport lounge benefit