CRED IndusInd Bank RuPay Credit Card
IndusInd Bank · Open to apply
A co-brand RuPay card with CRED. It returns 1% as CRED Reward Points on most spends and 5% on e-commerce (at most 5,000 points a statement at 5%), with higher rates on CRED's own services. Points are worth ₹1 on CRED flights, hotels and store and ₹0.50 on card bill payments.
- Annual fee
- ₹499 + GST a year
- Joining fee
- None
- Base rate
- 1% back as CRED Reward Points on all other spends: 1% in CRED Reward Points (about 0.5% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5% back as CRED Reward Points on e-commerce: 5% in CRED Reward Points (about 2.5% at cash value)
Earns nothing on
- No points on transport and tolls, fuel, loans and EMI, online education, government, wallet loads, rent and jewellery
- No points on insurance and utility bills paid outside CRED
Terms the calculator does not value
- 5% on CRED Pay, CRED Travel, CRED Store, gift cards and online UPI payments made through CRED, and 1% on insurance and utility bills paid via CRED, need the CRED app route and are not entered; gift cards and travel outside CRED earn 1%.
- Cash-like valuation uses ₹0.50 a point (card bill and utility payments in the CRED app, up to 100% of the points); ₹1 a point applies only to CRED flights, hotels, CRED Store and eligible CRED Pay merchants, and only up to 70% of the points in a transaction. The page does not say whether international online spends earn 5% or the 1% it gives on all international transactions, nor whether FASTag recharges count as "tolls"; the transport MCCs (4111, 4112, 4131) that earn nothing are inside travel-other, which the card rule above lets earn 1%. Minimum ₹100 a transaction to earn.
Sources
- IndusInd Bank, CRED IndusInd Bank RuPay Credit Card page (Product page, the bank's own, read 6 Nov 2026)