CRED IndusInd Bank RuPay Credit Card
Online shopping: up to 5% as CRED points, with a 5,000-point monthly accelerated cap. This estimate uses the ₹0.50 bill-payment value, not the conditional ₹1 merchant value.
Try your spend →How this estimate works
The issuer card page offers 5% back as CRED Reward Points on e-commerce and certain online CRED payments, limited to 5,000 points at the accelerated rate per statement cycle; 1% back on other qualifying transactions and CRED scan-and-pay, with a ₹100 minimum transaction. This model gives 5% only to ordinary online shopping, Amazon, Flipkart and Myntra purchases; other ordinary retail earns 1%. It does not assume a bonus beyond the 5,000-point cap, a merchant-specific CRED Pay route, or CRED UPI when the input says merely online or in-store. Fuel, rent, government/taxes, wallets, jewellery, online education, EMI, toll and special merchant/payment categories are withheld. Utility and insurance outside the CRED app do not earn. The issuer says 1 point = ₹0.50 for CRED-app card-bill or utility payments, with up to 100% of the available points usable on each such transaction; we value that narrower bill-payment route rather than the conditional ₹1 per point for eligible CRED travel/store/merchant purchases, which can use only up to 70% of available points in one transaction. Points transfer after statement generation, expire after 24 months and require CRED membership and actual redemption. The August 2026 issuer MITC lists nil joining and ₹499 annual fee, except a targeted lifetime-free promotion; the model deducts ₹499 plus estimated GST without presuming the promotion. Its general ₹100 noncash reward redemption fee may or may not apply to partner CRED redemptions; a cautious one annual ₹100 plus estimated GST charge is deducted from projected redeemable points if there is a positive reward. Check your card offer and actual CRED redemption screen before relying on the result.
Issuer and partner terms
Issuer card earn, redemption and restrictions · Issuer MCC exclusion list · Issuer current fees and targeted LTF exception · CRED card redemption route
Terms checked 29 September 2026. Noncash CRED rewards are not statement cashback; check eligibility, fees and limits in your account.