Ultra-Luxury Lifestyle Privileges with 1:1 Cash Rewards and Golf
High-net-worth individuals (HNIs), luxury travelers, and corporate leaders seeking concierge services, golf, and 1:1 cash valueback.
₹75,000
One-time upfront₹10,000
Waived on ₹10 lakh annual spend2.5 RPs/₹100 Spent Internationally and 1 Reward Points Spent Domestically
On eligible spends8 Domestic + 8 International visits/year · ₹5L quarterly spend required (Domestic)
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndusInd Bank Crest Credit Card sits firmly in the luxury tier of Indian credit products, positioned for high-net-worth individuals who desire premier lifestyle privileges combined with direct, transparent reward monetization. With a hefty joining fee of ₹75,000 (which includes bespoke luxury welcome gifts like Oberoi hotel vouchers or high-end apparel memberships) and an annual fee of ₹10,000, Crest commands substantial prestige. The card's standout economic strength is its reward redemption: cardholders earn 2.5 Reward Points per ₹100 on international spends and 1 Reward Point per ₹100 on domestic retail transactions. Crucially, each point is redeemable for ₹1.00 directly as statement cash credit, delivering an uncapped 2.5% return on foreign transactions and 1% on domestic spending. Travel and leisure benefits are exemplary: cardholders enjoy unlimited complimentary domestic airport lounge visits, 12 complimentary international airport lounge visits per year via Priority Pass, reduced 1.80% foreign currency markup, and 4 complimentary golf games or lessons every calendar month at top golf clubs across India. While the ₹75,000 entry threshold is formidable, for luxury travelers and corporate executives who frequently spend abroad and value golf, concierge services, and low forex fees, the Crest card delivers undeniable VIP distinction.
2.5 RPs/₹100 Spent Internationally and 1 Reward Points Spent Domestically
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends | 2.5 Reward Points per Rs 100 spent internationally (1.875% value return) | No Cap | Standard terms apply |
| Domestic Spends | 1 Reward Point per Rs 100 spent domestically (0.75% value return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Spends | ₹6,000 | 2.5 Reward Points per Rs 100 spent internationally (1.875% value return) | — | None | Calculating... | Under cap |
| Domestic Spends | ₹6,000 | 1 Reward Point per Rs 100 spent domestically (0.75% value return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹10,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹75,000 + GST; Annual Renewal Fee: ₹10,000 + GST. • Annual Fee Waiver: Spend ₹10,00,000 or more in the preceding 12 months to waive the ₹10,000 renewal fee. • Reward Rate: 2.5 Reward Points per ₹100 on international spends; 1 Reward Point per ₹100 on domestic retail spends. • Point Valuation: 1 Reward Point = ₹1.00 when redeemed for cash credit against credit card statement balance. • Forex Markup: Preferential discounted foreign currency markup of 1.80% + GST. • Airport Lounge Access: Unlimited complimentary domestic lounge access + 12 international visits per year via Priority Pass. • Golf Privileges: 4 complimentary golf games or lessons per month at premier golf courses in India.
Evaluate whether this card's perks and waiver threshold justify its ₹10,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IndusInd Bank Crest Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IndusInd Bank portal with paperless verification.
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