CRED IndusInd Bank RuPay Credit Card

The CRED IndusInd Bank RuPay Credit Card is a digital-first credit card engineered in close collaboration with CRED to capitalize on India's burgeoning UPI credit ecosystem. Issued on the domestic **RuPay network**, the card links directly into UPI payment applications including CRED, PhonePe, Google Pay, and Paytm, enabling cardholders to scan any merchant UPI QR code and pay directly using their pre-approved revolving credit line rather than depleting their savings bank account. The card is offered with a **₹0 joining fee** and a nominal **annual renewal fee of ₹499 + GST**, which is waived upon spending a modest **₹50,000 in a calendar year**—a threshold easily achieved simply by routing routine neighborhood grocery runs, pharmacy visits, and coffee shop payments through UPI on credit. Every eligible merchant UPI swipe earns reward points and elevated CRED Coins when executed within the CRED app ecosystem. Cardholders earn **2 Reward Points per ₹100 on eligible merchant UPI transactions** (a 0.70% to 1.0% return depending on redemption method), alongside 1 Reward Point per ₹100 on general non-UPI retail spends. In addition, the card provides a standard 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across India. While the card does not include airport lounge access and peer-to-peer (P2P) personal transfers are excluded from earning rewards as per NPCI rules, for daily digital spenders and CRED users, this card provides an effortless bridge between everyday UPI convenience and credit card rewards.

Additional Cardholder Privileges

Mandatory Verification Documents