Is the CRED IndusInd Bank RuPay Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- ₹589 fee a year (with GST)
- 1% base, up to 5% on online shopping
- Pays in reward points
- online shopping: 5% back, up to ₹5,000 a month
- you spend less than ₹5,000 a month: below that the ₹589 fee costs more than the rewards
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you rarely spend on online shopping: the 5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.95% a month (47.4% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1 CRED Point per ₹100 on ordinary offline and other non-accelerated spends, including CRED UPI Scan & Pay (uncapped since 11 Aug 2026) and UPI paid through other apps. The 5X rate is limited to e-commerce, CRED-app and CRED UPI online transactions. Transactions under ₹100 earn nothing.
Also earns nothing on: Utility and insurance paid outside the cred app, Transportation, Online education payments, Loan payments.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate | - |
| Online shopping | 5% | ₹5,000 | All merchants in the categoryTerms: 5 CRED Points/₹100 on e-commerce, CRED Pay, CRED Store, CRED Travel and CRED UPI online payments; ~₹1/point for CRED flights/hotels/select merchants (₹0.50 for bill payments); capped 5,000 points/cycle; expire in 2 years | - |
| Dining and food delivery | 1% | No cap | The card's normal rate | - |
| Groceries | 1% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 1% | No cap | Anywhere else in the category | - |
| Bills and recharges, only at listed merchants | 1% | No cap | Only at: CRED appTerms: 1 CRED Point per ₹100 (1% back) on utility bills paid INSIDE the CRED app. IndusInd states that utility and insurance transactions done outside CRED earn no CRED Reward Points at all, so a bill paid direct to the biller earns nothing, this is a rail condition, not a category exclusion. | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 1% | No cap | Anywhere else in the category | - |
| Insurance premiums, only at listed merchants | 1% | No cap | Only at: CRED appTerms: 1 CRED Point per ₹100 (1% back) on insurance premiums paid INSIDE the CRED app. IndusInd states that utility and insurance transactions done outside CRED earn no CRED Reward Points, so a premium paid direct to the insurer earns nothing. | - |
| School and college fees | 1% | No cap | The card's normal rate | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate | - |
| Everything else | 1% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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