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Best for: CRED members, online shoppers, e-commerce enthusiasts, UPI users
CRED IndusInd RuPay Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
#75Rewards rate
₹1.00 - ₹5.00/₹100
#49Joining fee
FREE
#1Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories E-commerce, Rewards, Shopping, UPI
CardNitty's take
Pros
- Zero joining fee, first year free
- 5% rewards on e-commerce, CRED Pay, CRED Travel, CRED Store, CRED UPI
- High reward redemption value (1 CRED Point = Rs 1 for flights/hotels)
- RuPay network with UPI compatibility on CRED platform
- 1% fuel surcharge waiver up to Rs 300 per month
- Complimentary personal accident and travel insurance
- Card protection with liability cover
- Low annual fee of just Rs 499 from second year
- UPI compatibility on PhonePe, Google Pay (no rewards though)
- Designed for high-creditworthy CRED members
Cons
- Invite-only card, not open for public application
- 5% rewards limited to specific categories with caps
- Monthly cap of 5,000 points for 5% categories
- UPI Scan & Pay rewards capped at 500 points per month
- CRED Points valid only for 24 months
- Rewards only on CRED platform, limited redemption options
- Lower value on bill payments (1 point = Rs 0.5)
- No lounge access benefits
- No fee waiver option available
- 3.5% forex markup not competitive for international spends
- Offline spending earns only 1% rewards