What is the annual fee for IndusInd Bank Crest Credit Card?

The annual fee is ₹10,000. However, it gets waived if you spend ₹10 lakh or more in a calendar year. There's also a one-time joining fee of ₹75,000 at card issuance.

How to apply for IndusInd Bank Crest Credit Card?

This is an invite-only card, meaning you cannot apply directly. IndusInd Bank extends invitations to select high-net-worth customers based on their banking relationship and spending patterns. Check with your relationship manager at IndusInd Bank if you're eligible.

What rewards does IndusInd Bank Crest Credit Card offer?

The card earns Reward Points on your spending. Specific point accrual rates and redemption value are not detailed in the available information — contact IndusInd Bank directly for a detailed rewards matrix.

What are the eligibility criteria for IndusInd Bank Crest Credit Card?

Since this is an invite-only card, specific eligibility criteria are not publicly disclosed. IndusInd Bank selects cardholders based on internal criteria, including relationship value and banking history. Reach out to the bank's private banking division for clarity.

Does IndusInd Bank Crest Credit Card offer airport lounge access?

Lounge access details are not specified for this card. As a premium lifestyle card, it may include lounge benefits — verify directly with IndusInd Bank's customer service or your relationship manager for current complimentary offerings.

Is IndusInd Bank Crest Credit Card worth it?

At ₹75,000 joining plus ₹10,000 annual fees, this card suits high spenders who can breach the ₹10 lakh annual threshold to waive fees and extract significant Reward Points value. It's best for those invited by the bank with substantial lifestyle and travel spending. Compare rewards and benefits against your actual usage before accepting the invitation.

Credit Cards

LifestylePremiumVisa

IndusInd Bank Crest Credit Card

Exclusive invite-only luxury for premium lifestyle spenders

Annual fee₹10,000Waived on ₹10.0L spend

Rewards—

Forex markup3.5%

Explore IndusInd Bank Cards →

Issued by invitation or through your IndusInd Bank relationship manager — not open to direct application.

Issued by invitation · not open to direct application

Independent comparison platform. Not affiliated with IndusInd Bank. Full disclaimer

Rewards

Base earn rate

0 Reward Point per ₹100

• Redemption fee: ₹100

Fees & charges

Joining fee: ₹75,000
Annual / renewal fee: ₹10,000 per year
Annual fee waiver: On ₹10.0L spend
Interest rate: 2.99% per month (36% 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: ₹100 per redemption

View official MITC →

Eligibility

Not everyone can be a part of this. And we would like to keep it that way!

Features

Additional features

A world of priceless privileges awaits you at every step of the way. Sit back, relax and experience a life that only a chosen few can sample. The IndusInd Bank Crest Credit Card benefits are crafted for the enjoyment of the good things in life, experiences that speak of intellect and thoughtfulness. The IndusInd Bank Crest Credit Card comes with a host of travel, dining and lifestyle benefits, wellness & lounge experiences and much more.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

International spends — 1.875% back

0% of spend100% of spend

Remaining 80% of spend earns the 0.75% base rate.

Rewards / year

₹5,850

≈ 0.97% effective

Annual fee

₹10,000

waives at ₹10,00,000/yr

Net steady-state return

−₹4,150/year

Skip at your spend

At ₹50,000/month the fee outweighs rewards. You'd need about ₹83,500/month to break even.

See cards that fit ₹83,500/month →

One-time joining fee (year 1 only): ₹75,000

Based on published rates as of 2026-08-07; assumes 1 Reward Point = ₹0.75 via cash credit redemption (issuer's stated primary cash-conversion value; min 500 points, max 10,000 points redeemable for cash per calendar month). Rewards estimates, not guarantees.