Co-Branded RuPay rewards card earning CRED Points on every spend 5% back on E-commerce
CRED app and CRED UPI transactions capped at 5,000 CRED Points cycle
1% back on Scan & Pay, Utility & Insurance bills, all other spends and international transactions
The card is enabled on UPI
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
₹589
₹499 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.95% per month (47.40% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.95%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹300, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming reward No fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹250
Cash PaymentA fee of ₹100 is levied for cash payment of card dues made at an IndusInd Bank branch
₹100
Late Payment Charges
Amount due
Fee
₹0–₹100
₹0
₹101–₹500
₹100
₹501–₹1,000
₹350
₹1,001–₹10,000
₹550
₹10,001–₹25,000
₹800
₹25,001–₹50,000
₹1,100
Above ₹50,000
₹1,300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
School & Education ServiceGovernment InstitutionsWallet LoadRentJewelleryFuelQuasi CashCash Withdrawal
Terms & Conditions
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
