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IndusInd Bank Crest
IndusInd Bank Crest is the bank's top-of-tree lifestyle card, sitting above Pinnacle and Legend with a steep ₹1,00,000 joining fee that positions it squarely against other banks' invite-tier metal cards. Its strongest hook is unlimited-feeling lounge access — two domestic plus two international visits every quarter on top of a full LoungeKey membership — bundled with concierge and entertainment privileges rather than a headline cashback or miles rate.
Annual fee
₹10,000
Joining fee
₹75,000
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Buy-one-get-one movie ticket offer on BookMyShow (up to 3 free tickets/month) plus 20% off select bookings
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter via LoungeKey (850+ lounges worldwide)
- International lounge access: 2 complimentary international lounge visits per quarter via LoungeKey
- Golf: 2 complimentary golf games and 2 complimentary golf lessons per month
- Insurance benefits: Personal air accident cover up to ₹2.5 crore; lost-card liability protection from 48 hours prior to reporting loss
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
2% reward rate · 2 complimentary domestic and 2 complimentary international airport lounge visits per quarter, plus a complimentary LoungeKey membership covering 850+ lounges worldwide
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹2,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Foreign currency markup: 2%
- Interest rate: 42% p.a.
Benefits
- 2 complimentary domestic and 2 complimentary international airport lounge visits per quarter, plus a complimentary LoungeKey membership covering 850+ lounges worldwide
- 20% off and buy-one-get-one-free offers on BookMyShow movie tickets, plus curated wellness and concierge privileges
- The ₹10,000 annual fee is reversed in full if combined card spend (primary plus add-ons) reaches ₹10,00,000 in the preceding 12 months
Pros
- + 2 complimentary domestic + 2 international lounge visits every quarter, plus a bundled LoungeKey membership for 850+ lounges globally
- + Annual fee fully reversed on ₹10 lakh of yearly spend, reasonable for a household already running most spend through one card
- + Dedicated concierge service and strong entertainment perks (BookMyShow BOGO, 20% off)
- + 2% forex markup is competitive for a non-forex-specialist premium card
Cons
- − ₹1,00,000 joining fee is among the highest of any Indian bank card and is not refunded via welcome vouchers the way some competitors do
- − Base reward rate of roughly 1% (with only dining/travel bumped to ~2%) is thin for a card at this price point compared to miles-focused rivals
- − ₹20,00,000/month income requirement restricts it to a small, high-net-worth pool
Best for
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