IndusInd Bank · with CREDRuPayLast checked 11 Oct 2026
The CRED IndusInd Bank RuPay Credit Card costs Rs 499 a year. Its base return is 1% (1 CRED Point per Rs 100). Accelerated earn: 5 points per Rs 100 on e-commerce, CRED UPI, CRED Store, CRED Travel, CRED Pay. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
IndusIndCRED IndusInd Bank RuPayCard design not shown
Annual fee
Rs 499+ GST
Fee waived at
—
Base return
1%
Forex markup
3.5%
Interest
3.95%a month
Fees
Joining fee
Free
Annual feeunverified
Rs 499
Fee notes
MITC footnote: no joining or annual fee charged after 31 March 2025 (footnote placement ambiguous). Aggregator lists Rs 499 from year two.
Rewards
Welcome benefitunverified
None
Reward currency
CRED Points
Base earnunverified
1 CRED Point per Rs 100
Base returnunverified
1%
Point valueunverified
1 point = Rs 1 on CRED travel/store; Rs 0.50 on CRED bill payments
Accelerated earnunverified
5 points per Rs 100 on e-commerce, CRED UPI, CRED Store, CRED Travel, CRED Pay
Capsunverified
Accelerated earn capped at 5,000 CRED Points (period not stated)
Spends that earn nothingunverified
No points on education, government, wallet loads, rent, jewellery, fuel, cash
Points expiryunverified
24 months
Reward notes
base_return_pct = 1 point per Rs 100 x Rs 1 best case; 0.5% if used on bill payments. Points usable only inside CRED.
Travel and perks
Domestic loungeunverified
None
International loungeunverified
None
Forex markup
3.5%
Fuel surcharge waiverunverified
1% waiver, Rs 500-5,000 transactions (aggregator)
Charges and eligibility
Interest per month
3.95%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
2.5% min Rs 300
Fine-print notes
Not shown on the issuer's credit card listing page; applied for inside the CRED app. Whether it is still open to new applicants is not confirmed. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the CRED IndusInd Bank RuPay Credit Card?
Rs 499 a year, before GST.
Does the CRED IndusInd Bank RuPay Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the CRED IndusInd Bank RuPay Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the CRED IndusInd Bank RuPay Credit Card?
No points on education, government, wallet loads, rent, jewellery, fuel, cash