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CRED IndusInd Bank RuPay Credit Card
A RuPay card distributed exclusively through the CRED app, combining UPI-enabled RuPay spending with CRED's own points economy across e-commerce, travel and bill payments. Its value is highest for people already active in the CRED ecosystem for rent, bills and bookings.
Annual fee
₹499
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in online shopping. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 5 CRED Points per Rs 100 on e-commerce, CRED Pay, CRED Travel, CRED Store and UPI transactions.
- 1 CRED Point per Rs 100 on utilities, insurance and Scan & Pay.
- Zero joining charges; annual fee applies only from the second year.
Pros
- + Strong 5x points on e-commerce and CRED-linked spends
- + No joining fee
- + UPI-enabled via RuPay network
Cons
- − Full value depends on active CRED app usage
- − Only 1x points on utilities and insurance