IndusInd Bank Crest Credit Card Review

Indusind Bank offers several credit cards for their customers and Indusind Bank Crest Credit Card is one of them. It provides so many facilities to the customers. There are some luxurious privileges such as Reward points, offers on health and medicine, Lounge access offers on hotel and resort, offers on Dining, golf movies. It has also auto assist and concierge services, insurance coverage, etc. 

Eligibility Criteria:

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

  • Resident Type: Indian.   
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: 48 lakh annually. 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: 60 lakh annually. 
  • Good CIBIL Score. (750 or more).
  • Good Relation with the bank. 

Required Documents:

  • 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
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹1,00,000 + GST
  • Annual Fee: ₹10,000 + GST


  • Reward benefit:

For every ₹100 international spends, you will get 2.5 reward points, you will get 1 reward point for the same on domestic spends. 

  • Lounge access:

With your IndusInd Bank Crest credit card, you will be able to get a membership of Lounge access of more than 850 lounges in over 120 countries that gives you 2 free accesses per quarter. 

You will also get some exclusive privileges in the airport like a personal shopper, the ability to choose your boarding time, Private lounge, delivery of luggage to lounge, etc. 

You will also get a 15% discount on a meet and greet service. 

  • Hotel booking:

This card comes with so many offers on hotels and Resorts. 

When you book a hotel for a minimum of 2 nights you will get a 10% discount on the best deals. 

If you book a hotel for 4 nights you will get a complimentary 30 minutes of spa treatment. 

  • Jet Airways offer:

You will get 20% off if you use your card for domestic travel booking with Jet airways. 

You will also get 20% off when you use your card for International travels (travels to Sri Lanka, Nepal, Singapore, etc.)

  • Benefit 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. 

  • Dining:

This card offers up to a 20% discount on your dining bill, at some of the finest restaurants. 

With this card, you can save up to ₹2,500 throughout the year. 

This card also comes with an exclusive pick-up and drop privilege by Uber.  

  • Golf benefit:

With this card, you will get free 3 golf games and 3 free lessons. If you select the offers of TPC Network you will get premium golf courses in the US. 

  • Fuel surcharge waiver:

When you use your card at any petrol pump in India you will get a discount of 1% on fuel surcharges. The transaction amount should be between ₹400 to ₹4000

  • Insurance coverage:

This card comes with a personal air accidental coverage of ₹2.5 Cr.

  • Lost card liability coverage:

If you can report your loss of card before any fraud transaction happens then you will get zero liability against your lost or stolen card. 

  • Healthcare Benefits:

There are some health and medical benefits to this card. 

You will be able to get up to a 15% discount if you spend on medical purposes. You can get a special discount in your selected lab, hospital pharmacy, etc.

On preventive health packages, you can get a discount of up to 20%. You will get a 10% discount on dental and eye-related spending. You will also get a 5% discount on room rent at hospitals. 

  • Sentry Service: 

This card provides sentry services to help you in hotel bookings, movie ticket bookings, etc.


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, min ₹300. 
  • Finance Charge: 2.99% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount.  

Contact Details:

Call: 1860-267-7777

Mail: [email protected] 

100XGain Ratings:


Final Opinion:

Indusind Bank has designed this card, especially for their top-notch customers. This card is a super-premium credit card that comes with premium benefits like Lounge access with premium airport privileges, free golf rounds and lessons, exclusive benefits on hotel and flight tickets, big savings on dining and movies, and lots more. 

But the main and the biggest drawback of the card is its high fee structure, ₹1,00,000 joining fee is too much for a credit card and it reduces the customers’ interest in this card. But if you want a super-premium lifestyle, you can go for this card. Otherwise, I would recommend you to go for the HDFC Millennia or HDFC Diners Club Black Credit Card. They cost less and offer almost the same benefits. 

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