RuPay 📡 Contactless NFC
CRED IndusInd Bank RuPay Credit Card
Joining FeeFREE
Annual Fee₹499
Forex Markup 3.5%
⚖️ Card Verdict & Target Persona
Who Should Apply
Active CRED app members looking for 5% reward return on online shopping and daily RuPay UPI payments with zero joining fee.
Who Should Avoid
Users who do not use the CRED ecosystem or those seeking airport lounge access.
🎁 Key Features & Highlights
🎉
Joining & Activation Welcome Gift
Bonus welcome CRED Coins credited to CRED app wallet on completing first transaction within 30 days
5% Back on E-commerce Spends
5% back as CRED Coins / Points on all online e-commerce transactions across websites and apps.
5% Rewards on CRED UPI Spends
Earn 5% back on merchant UPI payments made via CRED Scan & Pay.
Zero Joining Fee
Zero joining fee with complete digital onboarding inside the CRED application.
💰 Reward Structure & Point Valuation
1 CRED Points = ₹1 Standard Base Earning
1% back on other offline retail purchases (1 CRED Point per ₹100)
Accelerated / Partner Rate
5% back as CRED Points on all online e-commerce transactions and CRED UPI Scan & Pay spends (capped at 5,000 CRED Points/month); 1% back on utility and insurance payments via CRED app
Points Validity:24 Months
Redemption Fee: ₹0 (Free)
Redemption Modes: CRED Store Product Purchases (1 CRED Point = ₹1.00), Flight and Hotel Bookings via CRED Travel / ixigo / Expedia, Select CRED Pay Partner Merchant Checkouts
🚫 No Reward Points / Cashback on:
Fuel Rent Payments Wallet Loads Government Transactions Cash Advances
🛋️ Airport Lounge Access & Spend Criteria
✗ No Free Lounge Access🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️
Spend Criteria: None
⚡ Spend Milestones & Special Perks
Annual Fee Waiver ₹200,000/yr
Annual renewal fee of ₹499 + GST is waived off on spending ₹2,00,000 or more in the previous anniversary year UPI Payments Support✓ Supported (RuPay)
5% valueback as CRED Points on merchant QR transactions made via CRED UPI Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹150/mo) 📋 Eligibility Criteria
✓ Official CriteriaAge Limit21 - 60 Years
Min. Monthly Income₹30,000
Min. Credit Score750 CRIF
Employment TypeSalaried / Self-Employed
📊 Interest Rates & Charges
Finance Charges (Interest Rate / APR):3.95% per month (47.40% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application
Apply Online Now → Get the CRED IndusInd Bank RuPay Credit Card
Annual Fee: ₹499/yr (Waivable)
Personalized Card Matcher
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🔍 Related Credit Card Collections
Frequently Asked Questions
No, CRED IndusInd Bank RuPay Credit Card has a joining fee of ₹0 and an annual renewal fee of ₹499 (plus applicable taxes).
CRED IndusInd Bank RuPay Credit Card ₹499/yr
Apply Now →