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CRED IndusInd Bank RuPay Credit Card credit card
RuPay✦ CRED

CRED IndusInd Bank RuPay Credit Card

RuPay rewards without international travel friction

Annual fee₹499
Rewards1.00%1 CRED Point per ₹100
Forex markup3.5%
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Rewards

Base earn rate

Earn 1% back as CRED Points on all other transactions.

CRED Points

CategoryRateCap
E-Commerce——
CRED Transactions (CRED Pay, CRED Travel, CRED Store)——
CRED UPI——
CRED UPI Scan & Pay——
Insurance And Utility Bills Paid Via CRED——
International Transactions——
  • • CRED points will be valid for 24 months. Reward Points will expire after 2 years from date of issuance
    • 0

Lounge access

Domestic

0visits / year

    International

    Not included

    Fees & charges

    Joining fee
    ₹0 (Free)
    Annual / renewal fee
    ₹499 per year
    Interest rate
    3.95% per month (47.4% p.a.)
    Interest-free period
    50 days
    Cash advance fee
    2.5%, min ₹300
    Overlimit fee
    2.5%, min ₹500
    Payment dishonour
    ₹250
    Forex markup
    3.50%
    DCC markup
    1%
    Reward redemption
    ₹0 per redemption
    Fuel surcharge
    1% waiver, on ₹500–₹5000 txns
    View official MITC →

    Insurance covers

    Fraud liability

    Our main aim is to make cashless transactions safe and secure for all our customers. Hence, we have introduced 'Total Protect' - a first-of-its-kind programme that covers you for an amount equal to the credit limit on your card and is also available on add-on cards. Total Protect covers you for the following: Unauthorised transactions in case of loss/theft of card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your card. Counterfeit fraud: There is a possibility of your card or card details to be stolen and misused to produce counterfeit cards. We offer you insurance to protect you against such incidents.

    Features

    ✓ UPI linkage✓ International usage

    Additional features

    • Total Protect insurance programme covering amount equal to credit limit
    • UPI enabled credit card
    • Reward points transferred to CRED app within 2-3 days of statement generation

    No rewards on

    School & Education Services · Govt Institutions · Wallet Load · Rent · Jewellery · Fuel · Quasi Cash / Cash Withdrawal

    Card management via CRED.

    FAQs

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