Credit Card Compare

CRED IndusInd Bank RuPay Credit Card

Data last updated 23 October 2026
47.40%
Purchase rate
₹0
Annual fee
Not published
Interest-free
Application

CardIQ

65Good

Good

Overall score, out of 100 · How this works

  • Lifetime free46
  • Rewards84

Customer reviews

No reviews yet. Be the first to review the CRED IndusInd Bank RuPay Credit Card.

Pros & cons

What's good

  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • The annual fee increases from ₹0 to ₹499 in the second year.
  • The 47.4% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • The 5-point rate on online (E-commerce) transactions applies only to the first ₹5,000 spent each statement period, then drops to a lower rate.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
CRED Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
47.40% p.a.
Purchases
47.40% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Annual fee (year 2+)
₹499 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
Minimum Amount Due is calculated as 2% of Total Amount Due or such other amount as may be determined by IndusInd Bank at its sole discretion.

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
CRED Reward Points will be valid for 24 months (expire after 2 years from date of issuance).

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹499 a yearTop 25% (12th of 49 cards)
Overseas fee3.50%Better than most (14th of 49 cards)
Purchase rate47.40%Not as good as most cards (39th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
IndusInd Bank