IndusInd Bank Crest Credit Card
1 point/full ₹100 eligible domestic spend; ₹0.75 cash credit/point on one capped claim. ₹75,000 joining and ₹10,000 recurring fee, before tax.
Try your spend →How this estimate works
The issuer’s Crest rewards page lists one point per full ₹100 eligible domestic spend and ₹0.75/point cash-credit conversion; international purchases earn a different rate and are not modeled. The estimator repeats one entered ordinary domestic purchase monthly for 12 months. Crest’s terms cap cash redemption at 10,000 points per calendar month with a 500-point minimum. The April 2025 bank update separately limits each cash claim to 50% of points balance and adds a ₹149+GST fee. This ranking models one end-of-year cash claim, limited to half the modeled annual points and 10,000 points, subtracting one fee. Leftover points can have future value but are not counted in one-year cash; later claims could add value. Current issuer MITC shows ₹75,000 joining and ₹10,000 recurring annual fee with spend-linked waiver. The ranking deducts the full recurring fee plus estimated GST, excludes the substantial joining fee, and does not assume a waiver. Fuel, utilities, insurance, government, education, rent and special merchant/payment routes are left unscored; the bank separately reduces earn rates in some categories and limits reward earning to assigned credit limit per billing cycle. International bonus, lounge, golf, movie and other benefits are omitted.
Issuer terms
Crest product · Earn, cash conversion, minimum and cap · April 2025 50%-balance claim rule and redemption fee · Special-category earn · Joining and recurring fee
Terms checked 30 September 2026. First-year joining cost is outside year-two ranking; fee waiver not assumed.