CRED IndusInd Bank RuPay Credit Card
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.
RuPay UPI Scan & Pay Fit Score
88/100
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.
Reward Power
34/35
Fee Value & ROI
22/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
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).
CRED IndusInd Bank RuPay Credit Card has no joining fee and an annual fee of ₹499.
1 CRED Reward Points = ₹1 on CRED flights & CRED hotels and ₹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
Annual Fee: ₹499
This card carries a fixed annual fee of ₹499. At ~1% estimated return, spending approximately ₹4,158/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
CRED IndusInd Bank RuPay Credit Card FAQs
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.
How do you earn rewards with the CRED IndusInd Bank RuPay Credit Card?
5% back as CRED Reward Points on eligible e-commerce transactions. Accelerated 5% rewards capped at 5,000 CRED Reward Points per statement cycle. 1 CRED Reward Point = ₹1 on CRED flights, hotels, Store and eligible CRED Pay merchants.
What discounts and extra perks come with the CRED IndusInd Bank RuPay Credit Card?
1% back on utility and insurance payments made through CRED.
What are the exclusions and limits on the CRED IndusInd Bank RuPay Credit Card?
The CRED IndusInd Bank RuPay Credit Card does not earn rewards on transportation & tolls, fuel, loan and EMI, online education payments, payments to government institutions/services/charges, wallet loads, rent and jewellery.
Is the CRED IndusInd Bank RuPay Credit Card worth its annual fee?
The annual fee is ₹499. At the 1% base reward rate, rewards alone cover the fee at about ₹50,000 of yearly spend. Spends in bonus categories earn up to 5% and get there sooner, within their caps.
CRED IndusInd Bank RuPay Credit Card Eligibility
To apply for CRED IndusInd Bank RuPay Credit Card you need to be aged 18 to 70 and have a monthly income of at least ₹20,000.
Employment type
Pros & Cons
- 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
- ₹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
Who is this card for?
CRED members who frequently shop online and use UPI for payments.
Quick Links
Data last updated 10 Oct 2026
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