CRED IndusInd Bank RuPay Credit Card
IndusInd Bank · RuPay
Why this card?
- 5% back in reward points on online shopping, up to ₹5,000 a month; 1% on other spends
- ₹499 annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- IndusInd Bank
- Network
- RuPay
- Annual Fee
- ₹499
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 5% on online shopping (capped at ₹5000/month)
- Domestic Lounge
- None
- Rates verified
- 2026-10-06
Our verdict
CRED IndusInd RuPay rewards the aspiration inherent in CRED membership — it gives 5% back as CRED Reward Points on e-commerce and CRED-app transactions, capped at 5,000 points per statement cycle at that rate. There is no joining fee, but the standard annual fee is ₹499; the payoff is meaningful if you are an active CRED user who pays credit card bills and shops through the platform.
Pros
- 5% back as CRED Reward Points on e-commerce and CRED-app transactions (capped at 5,000 points per cycle at that rate)
- 1% base reward rate on other eligible spends
- 1% fuel surcharge waiver on fuel transactions of ₹500 to ₹5,000 (fuel earns no reward points)
- No joining fee
Cons
- Benefits are CRED-ecosystem dependent
- CRED points are worth ₹1 on some redemptions and ₹0.50 on others, so real value-back can be lower
- ₹499 annual fee on the standard variant
- RuPay network — forex terms are not confirmed, so check before using abroad