Everything You Need to Know About IndusInd Crest Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

13 Jan 26
5 mins

Shreyansh Singh

08 Mins
13-01-26

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Table of Contents

Indusind Crest Credit Card Benefits
Dining Delights Associated with IndusInd Crest Credit Card
IndusInd Crest Credit Card Fees and Charges
IndusInd Crest Credit Card Reward Redemption
FAQs

Key Takeaways:

Earn up to 2.5 reward points on every ₹100 spent.
Offers up to 8 international and 8 domestic airport lounge access per year.
Get up to 3 free golf games and lessons, each per month.

The IndusInd Crest Credit Card turns your spends into points, 2.5 on every ₹100 spent abroad, 1 on every ₹100 in India. From luxury lounges to wellness perks, dining delights and curated lifestyle experiences, this card is crafted for those who are looking for more than just a payment method.

Before you apply, explore how every purchase can unlock premium privileges and transform the way you live, travel and indulge.

Indusind Crest Credit Card Benefits

If you book movie tickets with BookMyShow using your IndusInd Crest Credit Card, you can get up to 3 free tickets per month with a buy-1-get-1 offer.

You can additionally get a ₹50 off on selected food and beverage options when booking your tickets. The other benefits that you can reap from this card are as follows:

You can get 3 complimentary golf games and 3 complimentary golf lessons per month.
The card offers exclusive dining delights at selected restaurants, for instance, a glass of free champagne.
You can get 2 complimentary LoungeKey international airport lounge access outside India and 2 domestic airport lounge access with the MasterCard programme per quarter. Guest visit charges are up to $35 per person per visit.
The card provides access to over 50,000 doctors worldwide for the primary cardholder, spouse, parents and children below 25 years.
You can get a total protect cover up to the credit limit for up to 48 hours.
The card provides 24*7 concierge services that include personal sports and entertainment booking, flowers and gifts, pre-trip assistance, reservation, flight booking, and automobile services like roadside repair, flat tyre services, emergency fuel supply, key locked inside, battery service, accident management and medical assistance, followed by emergency towing assistance.

Dining Delights Associated with IndusInd Crest Credit Card

The IndusInd Crest Credit Card offers exclusive dining benefits and discounts. Cardholders can enjoy the following offers, rewards and privileges at select restaurants across India:

25% off on food and beverage at ITC hotels for 4 people twice a month
50% off on buffet dinner/lunch at ITC hotels for 2 twice a month
30% off on purchase of gourmets at ITC shops twice (purchase up to ₹5,000)
20% off on Welcomebreak package purchases booked via the guest contact centre
Earn 25% Green points on food and beverage purchases
Save 20% on Fortune and WelcomeHeritage Hotel bookings
Get 1,000 bonus Green points on food and beverage purchases of ₹25,000 up to ₹1 lakh

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IndusInd Crest Credit Card Fees and Charges

The joining fee for the IndusInd Crest Credit Card is ₹75,000. This card attracts an annual fee of ₹10,000 for primary cardholders. However, there is no fee applicable for add-on cards.

IndusInd Bank reverses the annual fee if the combined spend on primary and add-on cards is at least ₹10 lakh in the previous year.

Here are the other charges applicable to the card:

Parameter	Charges
Interest Charges	2.99% per month or 36% per year
Over Limit Charges	2.5%, subject to a minimum of ₹500
Cheque Return	₹250
Cash Advance Charges	2.5%, subject to a minimum of ₹300
Balance Enquiry Charges at Non-IndusInd ATMs	₹25
Foreign Currency Markup	3.5%
Reward Redemption Fee	₹100
Card Replacement Fee	₹1,000
Fuel Surcharge	1% waiver

Further, IndusInd Crest Credit Card attracts late payment fees for delayed bill payment.

Outstanding Amount Per Payment Cycle	Late Payment Fees
Up to ₹100	0
₹101 to ₹500	₹100
₹501 to ₹1,000	₹350
₹1,001 to ₹10,000	₹550
₹10,001 to ₹25,000	₹800
₹25,000 to ₹50,000	₹1,100
Above ₹50,000	₹1,300

You can avoid the late payment fees by paying your credit card bill on time. Adding your IndusInd Crest Credit Card to the Pice app can help you get timely bill payment reminders before the due date!

IndusInd Crest Credit Card Reward Redemption

You can redeem your reward points against Krisflyer miles with Singapore Airlines or against cash credit. 2 reward points are equivalent to 1 Krisflyer mile. You need to have at least 500 reward points to redeem against Krisflyer miles.

Redemption of rewards against Krisflyer miles is available in multiples of 100. You can redeem up to 10,000 reward points against Krisflyer miles in a calendar month.

If you redeem your reward points against cash credit, the value of 1 reward point will be equivalent to ₹0.75. Similar to Krisflyer miles, you can redeem a maximum of 10,000 reward points per calendar month against cash credit.

Footnote: The value of a free movie ticket is capped at ₹700 per ticket. If the ticket price is higher, you need to pay the remaining amount. To know more about the IndusInd Crest Credit Card, click here.