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CRED IndusInd Bank RuPay Credit Card
Co-branded
Rewards
Online Shopping
Rewards
Up to 5 CRED Points per Rs. 100 spent
ENtry-level
No joining fee and low annual charges
Co-branded
Up to 5% back on using CRED app
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About CRED IndusInd Bank RuPay Credit Card
CRED IndusInd Bank RuPay Credit Card is an entry-level co-branded card that offers accelerated value-back on online and co-branded spends. Moreover, with 5% value-back on UPI spends made through CRED app, this credit card manages to hold its place among the cards offering the highest savings on UPI transactions. The rewards on card spends are credited in the form of CRED Points which can later be redeemed against travel bookings or bill payments on CRED app in 1:1 and 2:1 redemption ratios, respectively.
Suitable for frequent online shoppers and those who often make UPI transactions, with a preference of CRED app, this card offers good value-back through its rewards benefits. A low annual fee of just Rs. 499, allows the cardholders to maximise their savings at minimal costs. However, besides the rewards program, this IndusInd Bank credit card does not have much to offer. Read on to know about the features and benefits of CRED IndusInd RuPay Credit Card in detail.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit IndusInd Bank’s website.
Rewards & Other Benefits
Rewards Earnings: On every Rs. 100 spent
- 5 CRED Points: On e-commerce, CRED pay, CRED travel, CRED store and CRED UPI spends
- 1 CRED Point: On all other transactions1, including UPI Scan & Pay, utilities and insurance spends made on CRED and all international transactions
Capping:
- 5 CRED Points per Rs. 100 spent are capped at 5,000 points per month
- CRED Points earnings on CRED UPI Scan & Pay spends are capped at 500 points per month
Rewards Redemption: Redeemable on CRED app, where
- 1 CRED Point = Rs. 1 on flights/hotels booked via CRED, CRED store and select CRED pay merchants
- 1 CRED Point = Rs. 0.5 on bill payments through CRED
CRED IndusInd RuPay Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||
| Annual Fee | Rs. 499 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.95% per month (47.40% per annum) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You prefer to use CRED app for majority of your purchases and bill payments
You can maximise your value-back by redeeming CRED Points against travel bookings on CRED in 1:1 ratio
You want an entry-level RuPay credit card with low annual fee
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Paisabazaar Review
What do we like about this card?
CRED IndusInd RuPay Credit Card offers 5% savings not only on spends made through the CRED app, but also on all e-commerce purchases. This makes it an excellent option for online shoppers who prefer not to be limited to select brands or platforms. Additionally, the 5% cashback also applies to online UPI transactions made via CRED app. While there is a cap on accelerated rewards, the card still allows you to earn higher rewards on monthly spends of up to Rs. 1 lakh, which offers decent value. You can further maximise your value-back by redeeming reward points for travel bookings on CRED. However, apart from the rewards program, the card does not offer any significant additional benefits. Nonetheless, as an entry-level credit card, it still manages to deliver considerably well in terms of savings on card spends.
Pros
- 5% rewards on all online spends without merchant restrictions
- Up to 5% savings on co-branded spends, including UPI transactions
- Up to 1:1 rewards redemption ratio
- No joining fee charged
Cons
- No rewards on UPI, insurance and utility spends made outside CRED app
- Rewards can only be redeemed on CRED app
- No lifestyle benefits beyond the rewards program
- No option to waive off renewal fee
Frequently Asked Questions
Everything you need to know about this credit card
Footnotes
- Exclusions: Scan & Pay, utility and insurance spends made outside CRED, along with fuel, rent, school and education services, govt. institutions, wallet load, jewellery, and quasi cash/ cash withdrawal transactions.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
