Cred IndusInd Rupay Credit Card

Rewards & cashback

• 5% cashback on online shopping across any merchants
• Online shopping cashback Rate: 5%
• 5% cashback on cred store, cred travel, etc
• Cred Cashback Rate: 5%
• 1% cashback on offline payment and also on payment through UPI through Cred app
• Offline / UPI Cashback Rate: 1%
• 1% Cashback on utility bill payment
• Utility Bill Payment Rate: 1%

More benefits & features

• 5% cashback on online shopping across merchants
• Joining fee is zero

Fees & charges

Joining fee

Nil

Annual fee

₹499 + taxes

Foreign currency markup

3.5%

Interest rate

3.95% per month and 47.4% per annum

Late payment

Between ₹100 and ₹1300 depending on the amount unpaid

Cash advance

2.5% of the transaction amount (minimum ₹300)

Other fees

₹149

Pros and cons

Who can apply

• Age: You must be between 18 years and 75 years old
• Credit History: You must have a good credit score
• Income: You need to demonstrate a regular source of income
• Residency: You must be an Indian resident

How to apply

You can apply for Cred IndusInd Rupay Credit Card Online via IndusInd Bank website:

1. Here's the process:
2. Visit the IndusInd Bank website
3. Find the Cred IndusInd Rupay Credit Card page
4. Click on "Apply Now"
5. Fill out the application form with all of your details
6. You can digitally sign the application and complete your V-KYC for faster processing