IndusInd Bank Crest Credit Card Review

If you are looking for the most premium credit card available in India, then you should definitely take a look at the indusind bank crest credit card. While this card charges a massive Rs. 1 lakh joining fee, it lets you enjoy; complimentary lounge access, exclusive deals on travel and hotel booking, and lots more. Go through the complete indusind credit card review to know more about the benefits. 

What are the indusind bank credit card eligibility?

** Being an invite-only credit card, the eligibility criteria for this card are not mentioned. But as per our experience, we can say that it should be like this. 

  • Resident Type: Indian.   
  • IndusInd bank credit card eligibility criteria for salaried person:
    • Age: 18 to 65 yrs. 
    • Income: The average annual income of the applicant should be Rs. 48 lakh.
  • IndusInd credit card eligibility criteria for self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: 60 lakh annually. 
  • A good CIBIL Score (750 or more) is required to apply for this card.
  • Good Relation with the bank. 

As you submit your application, you will get a unique application id. You can use that to track your indusind bank credit card application status from the indusind bank credit card status tracking page.

What documents are required to apply for the Indusind Bank crest credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR(Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

As per the new rules, all new indusind bank credit cards are delivered in an inactive state, and to start using them the user needs to activate those cards by generating a new PIN. You can find more about the indusind bank credit card activation process from our faq page

What are the indusind bank crest credit card fees?

  • IndusInd bank crest credit card joining fee: Rs. 1,00,000 + GST
  • IndusInd bank crest credit card annual fee: Rs. 10,000 + GST

What are the indusind bank crest credit card benefits?

  • A powerful reward scheme to make your every transaction rewarding:

For every Rs. 100 international spends, you will get 2.5 reward points, you will get 1 reward point for the same on domestic spending.  You can check the status of your earned indusind bank credit card reward points from the indusind mobile app.

  • Make your travel more comfortable with complimentary lounge access:

Under the indusind bank credit card lounge access program, this card offers 2 free quarterly access to 850 airport lounges in over 120 countries worldwide. This indusind bank credit card also offers exclusive privileges like; the ability to choose boarding time, private lounge, luggage delivery, and up to a 15% discount on the meet and greet services.

  • Make your travel more luxurious with exclusive deals on hotel booking:

On this crest credit card indusind bank offers so many offers on hotel and resort bookings, the details of indusind bank credit card flight offers are given below. 


Total benefit

Every time you book at a hotel for 2 nights.                   

10% discount on the booking value.                                          

If you book a hotel for 4 nights.

A complimentary 30 minutes of Spa treatment.

  • Experience exclusive deals on Flights:

This indusind credit card offers some very attractive deals on Jet Airways ticket booking. The details are given below.


Total benefit

Domestic flight booking. 

20% discount on the ticket value.                                  

International travel booking (Sri Lanka, Nepal, Singapore, etc.)                 

20% discount on the booking value.

If you are thinking about; how to know indusind bank credit card balance? then feel free to take a look at our faq page.

  • Make your evenings more entertaining with attractive deals on movies:

If you book a movie ticket from BookMyShow with your indusind bank crest credit card you will get 20% off on it. Also, you can get one movie ticket completely free with the purchase of another. The free ticket amount should be up to Rs. 700. The indusind bank credit card movie offers are applicable 3 times per indusind credit card statement cycle.

  • Enjoy a premium dining experience with a huge discount on dining bills:

This indusind bank credit card offers some very exclusive deals on dining at premium restaurants. The details are given below. 


Total benefits

Dining at ITC hotels. 

25% discount.

Fortune and WelcomeHeritage hotels.

20% discount

On a total monthly spend of Rs. 25,000 on food and beverages.

1,000 bonus points. 

Non-food and beverage items at participating ITC Hotels.

5% extra green points. 

Exclusive Friday offers on beverages at selected bars. 

Enjoy 2 selected beverages at the cost of 1.

Exclusive Friday offers at selected ITC hotels. 

50% extra green points. 

Attractive deals on birthdays. 

50% extra bonus points (37.5% savings on dining, and 7.5% savings on hotel stays)

Your earned benefits will be reflected in your monthly credit card statements. If you want to know how to download indusind bank statement then feel free to check our faq page.

  • Complimentary golf rounds to make your weekends more delightful:

This card offers up to 3 complimentary golf games and 3 complimentary golf lessons in every indusind bank credit card statement cycle. Click here for the list of participating golf courses. This card also gives you complimentary access to TPC’s leading golf courses.

  • Enjoy freedom from fuel surcharges:

If you use your card to purchase fuel, you will get a 15 waiver on fuel surcharges. This indusind credit card offer is applicable at any fuel station in India and on transactions between Rs. 400 to Rs. 4,000.

  • Exclusive deals on healthcare products:

This indusind bank credit card features a pack of exclusive healthcare benefits. The details are given below. 


Total benefit

All medical expenses made using this card.                 

15% discount.                                      

Preventive health packages.

20% discount.

Eye-related expenses. 

10% discount.

Room rent at hospitals

5% discount.

This indusland bank credit card also offers a special discount in your selected lab, hospital pharmacy, etc.

  • Complimentary insurance coverage protection to support you in unfortunate events:

In case of unfortunate events, this indusind bank credit card can support you with its built-in air accidental coverage of Rs. 2.5 Cr. This card also comes with a complimentary lost card liability coverage which means if your card ever gets lost or stolen, you just have to report it by calling the indusind bank customer care number, and you will not be liable for anything bad that may happen to your account.

  • A complimentary sentry service to assist you:

This indusind credit card offers a multilingual sentry service to help you in hotel bookings, movie ticket bookings, etc.

  • Convenient indusind bank credit card payment options:

Indusind bank offers some very convenient and easy bill payment options for its customers. You can pay indusind credit card bill online via your indusind bank credit card net banking account or from the indusind bank credit card app. You can also use any payment app like Cred, Google pay, Paytm, Phone Pe, etc. You can find more about the indusind credit card online payment options from our faq page

What are the indusind bank credit card charges?


Payable amount

IndusInd bank credit card cash withdrawal charges.

2.5% against the withdrawn amount, min Rs. 300 (Check your indusind bank credit card limit before making a withdrawal)

IndusInd credit card finance charges.

The indusind bank credit card interest rate can go up to 2.99% monthly (applicable if your indusind bank credit card payment is not made within the due date) 

IndusInd bank credit card foreign currency transaction fee.

3.5% against the transaction amount.

IndusInd bank credit card add-on card fee.

Rs. 10,000 per year.

If you are curious about how to use IndusInd credit card for cash withdrawal? then make sure to take a look at our faq page.

How to contact the indusind bank credit card customer care department?

  • You can call the indusind bank helpline number: 1860-267-7777 / 022-4406-6666 or 022-4220-7777 (Premium Customers)
  • You can write to the indusind credit card mail id: 

If you are suspicious about a credit card transaction, then you can file a dispute against that particular transaction/transactions. You can find more about the indusind bank credit card settlement process from our faq page.

100xGain Ratings: 


Pros and Cons:



  • It brings several travel benefits which make it extremely useful for frequent travelers.
  • There is also a handsome discount on dining bills.
  • This indusind credit card is also very good for golfers since it brings some exclusive golf benefits with it.
  • When compared to the indusind bank crest credit card benefits the joining fee seems quite high.
  • The rate of earning indusind credit card reward points is not that good.

If you don’t want to continue with your old Indusind bank credit card and want to know; how to close indusind credit card permanently, then make sure to take a look at the 100xGain faq page.

Final Opinion:

After analyzing the indusind bank credit card benefits, I can say that this is undoubtedly the best indusind bank credit card you can get in India, from travel to entertainment, this card has everything that you can expect from a premium quality credit card. So if you can budget an annual fee of Rs. 10,000 then this card could be the perfect card for you.

But there are some drawbacks on this indusind card, the major one is the high joining fee which can be a dealbreaker for many. Therefore, if you are looking for some alternative card options, then I would ask you to take a look at the alternative card options given below. 

Alternative Cards: 

  1. Axis bank pride signature credit card with lifestyle benefits (Best for offering lounge access and entertainment benefits) 
  2. ICICI bank makemytrip signature credit card (Best for offering travel and dining benefits)
  3. RBL MoCash Credit Card (Best for offering movie benefits)
  4. Etihad Guest SBI Premier Credit Card (Best for offering lounge access benefits) 

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