INDUSIND

CRED IndusInd Bank RuPay Credit Card

Good fit when rewards, fees, and forex fit your spend pattern.

INDUSIND RUPAY

CRED IndusInd Bank RuPay

Card summary

Confirm terms

Annual fee ₹499 per year

Lounge access — not verified

Forex markup 3.5% high

Compare with Axis Bank ACE →

Similar tier comparison

Rewards

Annual fee break-even math

When does this card pay for itself

Annual fee is ₹499. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.

Reward reality — the earning-rate detail behind the numbers above

Costs & fees

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.
Lounge access not verified.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Base earn unclear — verify on issuer site
Fee waiver conditions unclear — verify
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): Lounge access not verified

Fees & charges

Fees

Monthly interest rate: 3.95% / month
Annual fee: ₹499
Joining fee: ₹0

International Use

Forex markup: 3.5%

3 sources agree · verify issuer terms before applying

Where to verify

Issuer IndusInd Cred Forex Snippet
CardInsider
Operator-verified anchor
Issuer site (verify current terms) , opens external site
Product tier: Entry-level