The IndusInd CRED RuPay Credit Card is zero joining fee credit card for users who like digital payments and online shopping. There is 499 annual fee, making it easy to access the RuPay credit card system while providing practical benefits. The card gives 5% rewards on online purchases made through major platforms and CRED Pay merchants, plus 1% rewards on UPI and offline spending. You can redeem rewards at the CRED Store, for flights through ixigo, hotels through Expedia, and with over 500 merchant partners. Supported by RuPay’s UPI feature and CRED’s redemption network, this card mixes affordability with digital convenience for daily spending.
CRED IndusInd Bank RuPay Credit Card Benefits
- Lifetime Free Card, no joining fee or annual fee, making it cost-effective for all users.
- 5% Rewards on E-commerce, earn accelerated rewards on online shopping and CRED Pay partner merchants, capped at ₹5,000 per billing cycle.
- 1% Rewards on Offline & UPI Payments, every transaction counts, whether through RuPay Scan & Pay or at physical stores.
- Wide Redemption Options, redeem rewards on the CRED Store, flight bookings via ixigo, hotel bookings via Expedia, and 500+ CRED Pay merchant partners.
- UPI Compatibility: link the card with UPI apps for QR-based transactions while continuing to earn rewards.
- RuPay Network Benefits: access RuPay’s built-in security, fraud protection, and standard insurance cover.
- Instant Digital Onboarding, apply through the CRED app with a fully online approval and issuance process.
IndusInd Bank RuPay Credit Card Reward Points
The CRED IndusInd Bank RuPay Credit Card is notable for its straightforward and valuable rewards structure. Cardholders earn 5% back in CRED Points on e-commerce transactions, which include purchases made on popular online platforms and through the CRED Pay partner network. This benefit is capped at ₹5,000 worth of CRED Points per billing cycle, resulting in significant monthly savings for frequent online shoppers. For all other spending, including offline purchases and UPI transactions via RuPay Scan & Pay, the card offers 1% in CRED Points.
What makes this card more valuable is its range of redemption options in the CRED ecosystem. CRED Points usually have a value of ₹1 for every CRED Point when redeemed for purchases on the CRED Store, for flights on ixigo, hotel bookings on Expedia, or at CRED Pay partner merchants. This allows users to maximize their benefits by matching their rewards to their lifestyle and travel spending. However, if the points are used for bill payments on CRED, the value decreases to ₹0.50 per point, making this a less effective way to redeem.
To get the most returns, cardholders should use their points in the CRED Store and CRED Pay network, where the value remains ₹1 per point. This makes the card especially rewarding for those who actively use CRED for shopping, experiences, and travel. By focusing e-commerce transactions on this card and redeeming only through the CRED platform, users can achieve one of the highest effective reward rates possible on a lifetime free credit card.
Our Review
The CRED IndusInd Bank RuPay Credit Card come with no joining fee and 499 annual fees. This makes it a cost-effective option for all users. It offers 5% rewards on e-commerce and CRED Pay partner merchants. Users also earn 1% on offline and UPI transactions, creating a clear rewards structure. With various ways to redeem points through the CRED Store, ixigo flights, Expedia hotels, and over 500 CRED Pay merchants, users can get the most value from their points, especially when redeemed at an effective value of ₹1 per point.
While the card is great for earning rewards, not all terms and conditions are openly shared. This includes information on caps, expiry rules, and full reward policies, so users should carefully review official documents. Overall, for regular online shoppers and active CRED users, this card offers one of the best reward rates available on a free credit card. For those looking for other strong options from IndusInd, the IndusInd Tiger Credit Card is also a solid choice, providing competitive rewards and lifestyle benefits.
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