The CRED IndusInd Bank Credit Card is a premium, invite-only co-branded credit card launched by CRED in partnership with IndusInd Bank. Designed for high-creditworthy users, this card offers reward points, UPI benefits, travel privileges, and a seamless lifestyle experience integrated with the CRED ecosystem. It comes with zero joining fees, an annual fee of ₹499 + GST from the second year, and is powered by the Rupay network, making it an attractive option for frequent e-commerce shoppers and CRED app users.
This blog provides a detailed overview of all the features, benefits, and how the invite-only system works, helping users understand its value.
CRED IndusInd Bank RuPay Credit Card Overview
The CRED IndusInd Bank Credit Card is a unique offering aimed at high-net-worth individuals who are regular CRED users. CRED, known for its premium offerings, has teamed up with IndusInd Bank to offer a credit card that allows users to enjoy not only standard credit card benefits but also exclusive rewards and a seamless experience integrated with CRED’s platform. The card is powered by Rupay, which enhances the payment experience, especially in terms of security and convenience.
| Feature | Details |
|---|---|
| Type | Invite-only, co-branded premium credit card |
| Network | RuPay |
| Eligibility | Invite-only, for high-creditworthy CRED members |
| Joining Fee | ₹0 |
| Annual Fee | ₹499 + GST from the second year |
| Card Target Audience | Frequent CRED users and premium lifestyle customers |
| Launch Date | September 15, 2025 |
| Special Edition | 18-carat gold finish for selected users |
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CRED IndusInd Credit Card Features & Rewards
Let’s go through the features of the CRED IndusInd Bank RuPay Credit Card from below:
| Feature | Details |
|---|---|
| E-commerce Transactions | Earn 5 CRED Points per ₹100 spent on partner e-commerce platforms (up to 5,000 points per month) |
| CRED App Spend | 5 CRED Points per ₹100 on CRED Pay, CRED Travel, and CRED Store |
| UPI Payments | 5 CRED Points per ₹100 on UPI; Scan & Pay earns 1 CRED Point per ₹100 (max 500 points/month) |
| Utilities & Insurance | Earn 1 CRED Point per ₹100 spent on utility bills and insurance |
| Rewards Redemption | Redeem points at 500+ CRED Pay merchants, shop from 2,000+ products, or book flights & hotels via CRED’s partners (Ixigo & Expedia) |
| Seamless Usage | Rewards automatically applied across the CRED ecosystem |
| Security | EMV chip with Rupay Ekaa security features |
| Invite-Only Access | Only select CRED members receive invitations based on creditworthiness |
Also Read: Top 5 Lifetime Free Credit Cards
Benefits of the CRED IndusInd Bank Credit Card
Let’s go through the benefits of the CRED IndusInd Bank RuPay Credit Card from below:
- High Rewards on CRED Ecosystem
Earn points on e-commerce, bill payments, travel bookings, and UPI transactions.
Points can be redeemed instantly for maximum flexibility. - Invite-Only Premium Experience
Designed exclusively for CRED members with excellent credit scores.
Includes special editions such as 18-carat gold credit cards for top-tier users. - Seamless Integration with CRED App
Use the card directly via the CRED platform.
Enjoy additional cashback, points, and instant redemption. - Travel and Lifestyle Perks
Use points for flights, hotels, and lifestyle purchases.
Premium access to CRED partner offerings and exclusive events. - Low Joining and Annual Fee
Zero joining fee and a nominal annual fee starting from the second year.
Ways to Get CRED IndusInd RuPay Credit Card
Unlike regular credit cards, the CRED IndusInd Bank Credit Card cannot be applied for directly. Eligibility is determined by:
- CRED Membership Activity: Active and consistent usage on the CRED platform.
- Credit Score: Only high-creditworthy members receive invitations.
- Spending Patterns: Users with significant e-commerce or bill payment activity on CRED are prioritized.
Invitations are sent directly within the CRED app, and members can then accept and complete onboarding in a few minutes.
Suggested Read: Credit Cards with no Annual Fee
Conclusion
The CRED IndusInd Bank Credit Card is a premium, invite-only credit card that merges rewards, lifestyle benefits, and digital convenience. Its seamless integration with the CRED ecosystem, generous rewards structure, and optional 18-carat gold edition make it a standout card for high-creditworthy users.
For those eligible, this card offers maximum flexibility in redeeming rewards and exclusive access to lifestyle perks, making it one of the most attractive co-branded credit cards in India for 2025.
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