CRED IndusInd Bank RuPay Credit Card
The RuPay credit card offered by IndusInd Bank in collaboration with CRED is designed for digital-first users. With this card, you earn accelerated CRED points on completing e-commerce transactions made through the CRED platform and UPI payments using the RuPay network. Moreover, the card also offers various other benefits like fuel surcharge waiver, comprehensive insurance coverage, and seamless UPI integration, making it a suitable choice for users who frequently shop online and make digital payments. Read on to know more about its features, benefits, fees, charges, eligibility criteria, and other important details.
Features and Benefits of CRED IndusInd Bank RuPay Credit Card
The CRED IndusInd Bank RuPay Credit Card offers rewards on everyday spending, UPI payments, fuel savings, and insurance protection.
- Rewards Points: With the CRED IndusInd Bank RuPay Credit Card, you can earn 5% back as CRED Points on eligible e-commerce transactions and eligible spends made through CRED Pay, CRED Store, CRED Travel, and CRED UPI. Moreover, you earn 1% back as CRED Points on Scan & Pay transactions made through the CRED app, insurance premium and utility bill payments made via CRED, all other eligible retail transactions, and eligible international transactions. Do note that CRED Points earned can be redeemed for rewards and benefits available within the CRED ecosystem.
- UPI Benefits: Once you link this credit card to a UPI app and you can make seamless UPI payments directly using your credit card.
- Fuel Benefits: Get a 1% fuel surcharge waiver on fuel transactions ranging between Rs. 500 and Rs. 5,000 at fuel stations across India.
- Insurance Benefits: Get an insurance cover up to your card's credit limit against unauthorised transactions resulting from the loss or theft of your card. This credit card also offers insurance cover on eligible add-on cards, subject to the applicable terms and conditions.
Documents Required for CRED IndusInd Bank RuPay Credit Card
Applicants generally need to submit the following documents while applying.
Identity Proof
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
Address Proof
- Aadhaar Card
- Ration Card
- Utility Bills
Income Proof
- Latest Salary Slips
- Form 16
- Income Tax Return (ITR)
Other Documents
- PAN Card
- Recent Passport-size Photographs
Note: The documents listed above are indicative. The bank may request additional documents depending on your application profile and internal verification requirements.
Fees and Charges for CRED IndusInd Bank RuPay Credit Card
Fee Type | Charges |
Joining Fee | Nil |
Annual Fee | Rs.499 + GST |
Finance Charges | 3.95% per month (47.40% per annum) |
Late Payment Charges | Up to Rs.100 – NilRs.101 to Rs.500 – Rs.100Rs.501 to Rs.1,000 – Rs.350Rs.1,001 to Rs.10,000 – Rs.550Rs.10,001 to Rs.25,000 – Rs.800Rs.25,001 to Rs.50,000 – Rs.1,100Above Rs.50,000 – Rs.1,300 |
FAQs
- Does the CRED IndusInd Bank RuPay credit card offer any lounge benefits?
No, the CRED IndusInd Bank RuPay credit card does not offer any lounge benefits.
- Does the CRED IndusInd Bank RuPay credit card offer any waiver on fuel surcharge?
Does the CRED IndusInd Bank RuPay credit card offer any waiver on fuel surcharge?
- Can I earn rewards on UPI payments made using CRED IndusInd Bank RuPay credit card?
Yes, you can earn CRED Points on eligible UPI transactions made using the RuPay credit card, subject to the applicable terms and conditions.
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