IndusInd Bank Crest Credit Card
IndusInd Bank · Open to apply
A premium Mastercard with a ₹75,000 joining fee and ₹10,000 annual fee (waived at ₹10 lakh of spend), 2.99% monthly interest and 1% DCC. It earns 1 reward point per ₹100 on domestic spends and 2.5 on international (0.70 on utilities, insurance, government, education and rent; none on fuel), worth ₹0.75 as cash credit, with 2 international and 2 domestic lounge visits a quarter (domestic ones need ₹5 lakh of spend in the previous quarter) and Mastercard dining, golf and travel offers.
- Annual fee
- ₹10,000 + GST a year
- Joining fee
- ₹75,000 + GST
- Fee waiver
- Annual fee waived on ₹10,00,000 spend per card year
- Base rate
- 1 reward point per ₹100 on domestic spends: 1 IndusInd Reward Points per ₹100 (about 0.75% at cash value)
- Lounges
- International: 2 visits a calendar quarter; Domestic: 2 visits a calendar quarter after ₹5,00,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2.5 reward points per ₹100 on international spends: 2.5 IndusInd Reward Points per ₹100 (about 1.88% at cash value)
Earns nothing on
- No reward points on fuel
Terms the calculator does not value
- The microsite's welcome and other benefits (Mastercard Epicurean dining, Airport by Invitation, airline offers, wellness and assistance services) are not valued, and its pages do not state a welcome gift. The reduced-earning categories are the reward-revision page's "indicative list". The cash-credit value of ₹0.75 and the 10,000-point monthly cap come from the microsite and the September 2024 notice; Crest is not in the 1 Mar 2024 value table.
Sources
- IndusInd Bank, IndusInd Bank Crest Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Crest Rewards and Redemption (microsite) (Reward terms, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Crest international airport lounge access (microsite) (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Crest schedule of charges (microsite) (Schedule of charges, the bank's own, read 6 Nov 2026)
- IndusInd Bank, fuel surcharge waiver terms page (fuel earns no reward points since 1 Apr 2018) (Schedule of charges, the bank's own, read 6 Nov 2026)