CRED IndusInd Bank Rupay Credit Card

1. Annual fee: The card is subject to Rs.499 annual fee. 

1. 5% Rewards on All Online Purchases: The CRED IndusInd Bank RuPay Credit Card provides 5 CRED Points on every Rs.100 spent on online purchases which includes shopping from e-commerce websites, through CRED Store, CRED Travel and for CRED UPI(goods purchased using online gateway) purchases. 

1. 1% Reward on Offline and UPI Purchases: You will earn 1 CRED Point on every Rs.100 spent on offline purchases and also on UPI payments done through CRED Scan & Pay. 

1. Flexibility in Redemption: CRED Points can be redeemed at over 500 CRED Pay merchants, at over 2000+ products in CRED Store, on flights booked via ixigo, and lodging through Expedia.

Features of CRED IndusInd Bank Rupay Credit Card

The features of CRED IndusInd Bank Rupay Credit Card are listed below:  

1. The CRED IndusInd Bank RuPay Credit Card runs on the RuPay network to ensure secure and seamless transactions. 

1. Add your card to UPI and spend without a physical card. 

1. Experience quick and secure payments with your card wherever accepted by simply tapping your card. 

1. You can use your card internationally wherever RuPay is accepted with a forex markup surcharge. 

1. Access dedicated customer service through your card for any card related questions or issues. 

Eligibility Criteria for CRED IndusInd Bank Rupay Credit Card

To be eligible for an application for the CRED IndusInd Bank RuPay Credit Card, the applicant must fulfill the set of criteria: 

1. Age: The applicant must be 18 years or older. 

1. Income: The actual income requirement is not specified, but generally the applicant is expected to have a source of steady income generally. 

1. Credit Score: While a 'good credit score' is often stated as a requirement, it is not generally pre-set. 

1. Employment Status: Salaried employees and self-employed workers can apply. 

1. KYC Document: The applicant needs a valid PAN card and Aadhaar card to verify their KYC verification.

Documents Required for CRED IndusInd Bank Rupay Credit Card

To apply for the CRED IndusInd Bank RuPay Credit Card, ensure you have the following documents: 

1. Proof of Identity: A valid document such as a Passport, Voter ID, Aadhaar Card, or Driving License. 

1. Proof of Address: Documents like Utility Bill (Electricity, Water, Gas), Rental Agreement, Passport, or Aadhaar Card. 

1. Proof of Income: For salaried individuals: Recent Salary Slips, Form 16, or Bank Statements from the last 3 to 6 months. For self-employed individuals: Income Tax Returns (ITR) of the past two years, Business Continuity Proof, or Profit and Loss Statements. 

1. Photograph: A recent passport-sized photograph. 

1. PAN Card: Essential for financial transactions and tax purposes. 

How to Link your CRED IndusInd Bank RuPay Credit Card to UPI

Follow the instructions given below to Link your CRED IndusInd Bank RuPay Credit Card to UPI:  

1. Open your preferred UPI app. You can use CRED or any other UPI-enabled application that supports RuPay credit cards such as Google Pay, PhonePe, Paytm, or BHIM. 

1. Add your credit card. In the app menu, select the option ‘Add Credit Card’ or ‘Link RuPay Credit Card’. 

1. Choose your issuing bank. From the list of available banks, select IndusInd Bank as the credit card issuer. 

1. Select your card. Choose your CRED IndusInd Bank RuPay Credit Card from the list of eligible cards linked to your number. 

1. Generate your UPI PIN. Follow the on-screen instructions to set up your UPI PIN for this card. This step enables secure authentication for future transactions.

How to Set your CRED IndusInd Bank RuPay Credit Card UPI PIN

You can set your UPI PIN by following these steps:  

1. Select your card. Open your UPI app and select CRED IndusInd Bank RuPay Credit Card from your linked payment methods. 

1. Enter card details. Provide the required card details such as the last six digits of your card number and the expiry date. 

1. Verify with OTP and set PIN. An OTP will be sent to your registered mobile number. Enter the OTP and then create a secure 4- or 6-digit UPI PIN of your choice. Confirm the PIN to complete the setup. 

How to make your CRED IndusInd Bank RuPay Credit Card UPI Payments

You can make UPI Payments using your CRED IndusInd Bank RuPay Credit Card by following the instructions given below:  

1. Scan or enter the details. Open your UPI app and either scan the merchant’s QR code or manually enter the merchant’s UPI ID. 

1. Enter the amount.  Type in the amount you wish to pay, or confirm the auto-fetched amount displayed by the app. 

1. Select your payment source. From the list of linked accounts and cards, choose CRED IndusInd Bank RuPay Credit Card as the payment method. 

1. Authenticate the transaction. Enter the UPI PIN you created for your credit card and tap Confirm to complete the payment. 

1. Transaction confirmation. You will receive an instant confirmation message from your UPI app, and the amount will be charged to your CRED IndusInd Bank RuPay Credit Card account.

How to Redeem CRED Points on your CRED IndusInd Bank RuPay Credit Card

You can easily redeem the reward points earned on your CRED IndusInd Bank RuPay Credit Card directly through the CRED app. Follow these steps to make the most of your CRED Points. 

1. Open the CRED App and Log In. Launch the CRED app on your smartphone. Ensure that you log in using the same mobile number registered with your CRED IndusInd Bank RuPay Credit Card. The app dashboard will display your available CRED Points and other card-related details. 

1. Check Your CRED Points Balance. Navigate to the ‘Rewards’ or ‘CRED Points’ section within the app to view your total accumulated points. Points earned during your billing cycle will be transferred to your CRED account within 2 to 3 days of statement generation. 

1. Choose Your Redemption Category. Decide where you wish to use your points. The value of each point depends on the category of redemption: 1 CRED Point = Rs.1 for flight and hotel bookings, CRED Store purchases, and select CRED Pay merchants. 1 CRED Point = Rs.0.50 for credit card bill payments and utility bill payments made via the CRED app. 

1. Start the Redemption Process. Select the desired category in the app: For travel bookings, go to the Travel section. For CRED Store, browse available products and choose what you wish to purchase.For CRED Pay merchants, select CRED Pay at checkout.For bill payments, head to the Pay Bills or Credit Card Payment section in the app. 

1. Apply Your CRED Points. On the payment screen, choose to pay using your CRED Points. The app will display how many points can be applied based on your available balance and category limits: You can use up to 70% of available points for travel, CRED Store, and CRED Pay redemptions. You can use up to 100% of available points for credit card bills or utility payments. 

1. Confirm and Complete the Redemption. Review the redemption summary. Check the conversion rate, total CRED Points being redeemed, and any remaining payable amount. Once verified, confirm your transaction to complete the redemption. 

1. Receive Confirmation. After successful redemption, you’ll receive an instant confirmation message in the app. The corresponding amount will be adjusted against your payment or purchase, and your CRED Points balance will update automatically. 

1. Keep Track of Expiry and Usage. CRED Points earned through your CRED IndusInd Bank RuPay Credit Card are valid for 2 years from the date of issuance. Always redeem your points before expiry, as unused points will automatically lapse thereafter.

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