IndusInd Crest Credit Card: Fees, Rewards & Benefits
Rewards card with lounge access
We may earn a commission if you apply through this link. It never affects our ratings.
The IndusInd Crest is an invitation-grade super-premium card with 8+8 lounges, generous insurance, golf and concierge, and a waivable Rs.10,000 annual fee. Its Rs.1,00,000 joining fee and Rs.30 lakh income bar restrict it to ultra-high spenders who will extract full lifestyle value.
Rewards card with lounge access
The Bottom Line
The Crest Credit Card is built for ultra-high-net-worth lifestyle user and frequent traveller wanting strong protection. With a ₹10,000 annual fee that is waived on ₹10,00,000 yearly spend, it offers 1.88% rewards on international and airport lounge access. It makes the most sense if your spending matches ultra-high-net-worth lifestyle user and frequent traveller wanting strong protection.
It earns a base reward rate of 0.75% and stacks best when your spending lines up with Ultra-high-net-worth lifestyle user, Frequent traveller wanting strong protection. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThose comfortable with a Rs.1 lakh joining fee who fully use golf, concierge, dining and lounge perks and spend Rs.10 lakh+ to waive the annual fee.
Users valuing 8+8 lounges, Rs.25 lakh air accident cover and Total Protect fraud coverage.
Probably not for
SkipThe Rs.1,00,000 joining fee is extremely hard to recoup unless lifestyle perks are heavily used.
The 3.5% forex markup makes overseas spend costly relative to the card's tier.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹10,00,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
Crest Credit Card offers 0.75% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
No welcome bonus is publicly advertised for this invite-only card. cardinsider.com explicitly lists 'Welcome Benefits: N/A'.
Fees & Charges
Eligibility
- Invite-only card; age 21+; joining fee Rs 1,00,000; Visa variant; CIBIL 750+ required.
Exclusions & Terms
Forex markup
- Foreign currency markup
Transport excluding Air (MCC 4111/4112/4784/4131)
- Transport excluding Air (MCC 4111/4112/4784/4131)
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹10,000 annual fee. Apply on the IndusInd Bank website.
Apply on IndusInd Bank →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category