IndusInd Bank
IndusInd Bank Crest Credit Card
Data last verified: 24 October 2026
- Joining fee₹75,000 + GST
- Annual fee₹10,000 + GST
- Reward rate0.75% base, up to 1.88% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹75,000 + GST
- Annual fee₹10,000 + GST
- Fee waiverOn ₹10 lakh spend a year
- Forex markup1.8%
- Interest (APR)2.99% a month, 35.88% a year
01IndusInd Bank Crest Credit Card Rewards and Benefits
02IndusInd Bank Crest Credit Card Annual Fee and Charges
- Joining fee
- ₹75,000 + GST
- Annual fee
- ₹10,000 + GST
- Spend-based waiver
- Annual fee waived on ₹10 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 1.8%
- Interest rate
- 2.99% a month (35.88% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 1.88%₹94
- ₹15,000 on everything else, earning 0.75%₹113
- Back each month, ₹2,484 a year₹207
- Annual fee with 18% GST−₹11,800
- It costs you each year₹8,112
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Foreign spends: 1.88% back
- Spending ₹83,333 or more a month: the ₹11,800 fee is waived
- Flyers: 8 airport lounge visits a year
- Spending abroad: 1.8% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹11,800 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on foreign spends: the 1.88% rate applies only there, everything else earns 0.75%
- you sometimes pay only the minimum due: interest of 2.99% a month (35.88% a year) outweighs any reward
04How IndusInd Bank Crest Credit Card earns Rewards
0.75% base, up to 1.88% on foreign spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.75% | No cap | The card's normal rate |
| Dining and food delivery | 0.75% | No cap | The card's normal rate |
| Groceries | 0.75% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.75% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.53% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on utility bill payments since 20 January 2022, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Rent | 0.53% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on real-estate and rental payments since 20 January 2022, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Insurance premiums | 0.53% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on insurance premium payments since 20 January 2022, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| School and college fees | 0.53% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on education institute fees since 20 January 2022, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Wallet top-ups | 0.75% | No cap | The card's normal rate |
| Taxes and government payments | 0.53% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on government services since 20 January 2022, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Spend abroad or in a foreign currency | 1.88% | No cap | All merchants in the categoryTerms: 2.5 reward points per ₹100 on international spends, helped by a low 1.8% forex markup for the tier |
| Everything else | 0.75% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 on domestic spends; points redeem at roughly ₹0.75 each, a strong per-point value for IndusInd
Point value. 1 point is worth about ₹0.75 at the bank's stated value.
05IndusInd Bank Crest Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Spend Rs 500,000 in the previous quarter for domestic lounge access. Spending abroad carries a 1.8% forex markup; rewards on it: 1.88% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, airport lounge access.
- Concierge service: 24x7 concierge for dining, travel and lifestyle requests
- Fuel surcharge waiver: 1% fuel surcharge reversal on fuel transactions between ₹500 and ₹10,000, with no capping on the reversal, note separately that the fuel spend itself earns no reward points
- Golf privileges: From 10 March 2026: 2 complimentary golf games and 2 lessons per month at select courses, each conditional on ₹25,000 of spend in the previous billing statement; unused entitlement does not carry forward
- Airport lounge access: Complimentary LoungeKey membership, 2 domestic lounge visits a quarter, unlocked from the July 2026 quarter only by ₹5 lakh of spend in the previous quarter, plus international lounge access with no spend condition
06Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: New transport surcharge; late-payment grid raisedSource: IndusInd Bank | No transport surcharge; lower late-payment grid | 1% + GST on transport above ₹40,000/cycle; steeper late-payment slabs |
| 10 Mar 2026 | Reduced: Complimentary golf halved to 2 games and 2 lessons a month | 4 games and 4 lessons a month | 2 games and 2 lessons a month |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 1 Apr 2025 | Reduced: Cash redemption fee raised to ₹149 and capped at 50% of balanceSource: IndusInd Bank | Lower redemption fee; full balance redeemable | ₹149 + GST per cash redemption; max 50% of balance |
See this card's change history → · All card changes in June 2026 →
07Cards Similar to IndusInd Bank Crest Credit Card
IndusInd Bank Crest Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Crest Credit Card |  IDFC FIRST Millennia Credit Card |  AU Traverse Credit Card |
|---|---|---|---|
| Joining fee | ₹75,000 + GST | Lifetime free | ₹4,999 + GST |
| Annual fee | ₹10,000 + GST | Lifetime free | ₹4,999 + GST |
| Rewards | 0.75% base, up to 1.88% on foreign spends | 0.38% base, up to 1.25% on dining | 0.5% base, up to 1% on foreign spends |
| Domestic lounge | 8 visits a year | Not included | 8 visits a year |
| Forex markup | 1.8% | 0% | 0.99% |
| Type | International | Dining | International |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the IndusInd Bank Crest Credit Card?
The joining fee is ₹75,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Crest Credit Card?
The annual fee is ₹10,000 + GST.
Does the IndusInd Bank Crest Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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