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Credit Cards · India

IndusInd Bank Crest Credit Card

Updated 3 Jul 2026Source-linked

The IndusInd Bank Crest Credit Card is a super premium credit card from IndusInd Bank, with a joining fee of ₹5,000 + GST.

It earns up to 2 pts per ₹100 (≈0.4% value) on weekend spend spends in the form of reward points (points).

Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.

IndusInd Bank logo
IndusInd Bank Crest Credit Card
Visa logo
  • Joining Fee₹5,000
  • Annual Fee₹5,000
  • Best Suited ForLifestyle & travel
  • Reward TypeReward Points (points)
Rewards Rate
  • 2 pts per ₹100 on weekend spend
  • Base 0.20% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
IndusInd Bank logoIndusIndVisa logoinfinitesuper premium
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Rewards and Benefits

Rewards Rate
2 pts per ₹100 on weekend spend
Base 0.20% on other spends.
Reward Redemption
IndusMoments: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
4 round(s) / monthly · 4 lesson(s).
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹30/mo
  • Groceries₹8,000 · 0.2% = ₹16/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹16/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹20/mo
  • Utilities & bills₹5,000 · 0.2% = ₹10/mo
Est.net rewards for this spend, realistic
₹-3,896/yr

₹1,104 rewards − ₹5,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.50%
Interest Rates
3.83% per month (46.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • super premium card issued by IndusInd Bank.
  • Joining / annual fee of ₹5,000 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).

Pros & Cons

Pros
  • Low forex markup of 1.50% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
Cons
  • High annual fee of ₹5,000.
  • No annual-fee waiver option.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 2 pts per ₹100 on weekend spend
    2 RP per ₹100 on weekends; 1 RP per ₹100 on weekdays (base).
Capping rules
  • Cash redemption capped at 10,000 RP/calendar month (eff 1-Sep-2024).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
Unlimited visit(s) / annual. Via visa, dreamfolks.
International
Unlimited visit(s) / annual. Via priority-pass.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
780+
Income (salaried)
₹25,00,000 p.a.
Income (self-employed)
₹25,00,000 p.a.
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