The IndusInd Crest Credit Card costs Rs 10,000 a year. Its base return is 0.75% (1 RP per Rs 100 domestic). Accelerated earn: 2.5 RP per Rs 100 on international spend. The forex markup is 3.5%. Abroad: 2 per quarter via LoungeKey. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Cash credit redemption max 10,000 RP per calendar month (effective 1 Sep 2024)
Spends that earn nothingunverified
0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019). Aggregator: rent also 0.70; no RP on fuel
Points expiryunverified
Aggregator: 1 year from accrual
Reward notes
base_return_pct = 1 RP per Rs 100 x Rs 0.75.
Transfers
Partnersunverified
Singapore KrisFlyer
Ratiounverified
200 RP = 100 KrisFlyer miles (Card Insider)
Travel and perks
Domestic loungeunverified
Aggregator: 2 per quarter. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)
Golf: 2 games and 2 lessons per month (effective 10 Mar 2026 per issuer page), needs Rs 25,000 spend in the last statement. Complimentary ITC membership on the Mastercard variant discontinued effective 5 Oct 2025. Aggregator, not on issuer page: BookMyShow BOGO 3 per month up to Rs 700; Rs 3,000 dining discount at partner restaurants; concierge. MITC: no rent surcharge
Charges and eligibility
Interest per month
2.99%
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
Issuer product page read as plain text on 2026-10-12; fields updated from it. The product page text is short: cash cap, ITC membership, golf and domestic-lounge notices only. Page refers to a 'MasterCard variant', which confirms Mastercard. Product page is live with no discontinuation notice. Fees, earn rates, cash value and lounge counts still rest on the aggregator or MITC. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): reward_caps: old 'cash credit max 30,000 RP per statement cycle' (Card Insider); issuer page: 10,000 RP per calendar month from 1 Sep 2024. 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 IndusInd Crest Credit Card?
Rs 10,000 a year, before GST.
Does the IndusInd Crest Credit Card give airport lounge access?
Yes. In India: Aggregator: 2 per quarter. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page). Outside India: 2 per quarter via LoungeKey. Conditions: Extra LoungeKey visits up to USD 35
What is the forex markup on the IndusInd Crest Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Crest Credit Card?
0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019). Aggregator: rent also 0.70; no RP on fuel
