← Part of IndusInd Credit Cards in India
The IndusInd Crest Credit Card is an exclusive, invite-only offering from IndusInd Bank, targeting high-net-worth individuals in India. This premium card features a pure 22K Gold inlay and offers no preset spending limit, setting IT apart in the luxury credit card segment. IT provides extensive benefits across travel, lifestyle, and entertainment, including 8 complimentary airport lounge accesses annually.
| Parameter | Details |
|---|---|
| Card Type | Premium, Invite-only Credit Card |
| Issuer | IndusInd Bank (Established 1994, Headquarters Mumbai) |
| Target Audience | High-income consumers, High-net-worth customers |
| Key Features | Pure 22K Gold inlay, No preset spending limit, 24×7 concierge service, Complimentary LoungeKey membership |
| Joining Fee | ₹75,000 (subject to bank communication at application) or ₹1,00,000 |
| Annual Fee (Primary Card) | ₹10,000 (reversed if combined spend is ₹10 lakh in previous year) |
| Annual Fee (Add-on Cards) | ₹0 |
| Reward Rate (International Spends) | 2.5 points per ₹100 spent |
| Reward Rate (Domestic Spends) | 1 point per ₹100 spent |
| Reward Points Validity | 1 year from date of accrual |
| Complimentary Domestic Lounge Access | 2 per calendar quarter (spend criteria tracking initiated April 1, 2026, for July 2026 quarter onwards) |
| Complimentary International Lounge Access | 2 per cardholder per calendar quarter (via LoungeKey membership) |
| Total Complimentary Airport Lounge Access | 8 per year (domestic and international) |
| Golf Benefits (Effective March 10, 2026) | 2 complimentary games and 2 complimentary lessons per month |
| Fuel Surcharge Waiver | 1% across all fuel stations in India (on transactions ₹500 to ₹3,000, capped at ₹100 per billing cycle) |
| BookMyShow Offer | 20% off or ₹350 discount (whichever is lower) on two tickets for Events/Theatre (valid till March 31, 2026) |
| Duplicate Statement Fee | ₹100 per statement (beyond 3 months) |
| Cash Bill Payment Charge | ₹100 (at any IndusInd Bank branch) |
| Foreign Currency Markup | Typically around 3.5% (discounted to 1.8% on Legend Visa Credit Card) |
| Credit Card Coverage | Up to the credit limit with Total Protect |
| Air Accident Insurance Coverage | Discontinued effective December 21, 2025 |
| ITC Membership (MasterCard variant) | Discontinued for existing cardholders effective October 5, 2025, and for new cardholders from September 15, 2025 |
The IndusInd Crest Credit Card is designed for discerning customers, offering a blend of exclusive privileges and a high reward rate on both domestic and international spending, making IT a strong contender for luxury card users.
Crest Credit Card: Benefits
The IndusInd Bank Crest Credit Card, an invite-only premium offering, provides extensive luxury benefits across travel, lifestyle, and entertainment. Cardholders receive 8 complimentary domestic and international airport lounge accesses annually, along with a free LoungeKey membership.
- Airport Lounge Access: Cardholders receive 2 complimentary domestic lounge visits per calendar quarter within India. , 2 complimentary international lounge visits are available per cardholder per calendar quarter outside India, totaling 8 complimentary airport lounge accesses annually.
- LoungeKey Membership: A complimentary LoungeKey membership is included, providing access to a global network of airport lounges.
- Golf Privileges: Effective March 10, 2026, the card offers 2 complimentary golf games and 2 complimentary golf lessons per month at exclusive golf courses across India.
- Reward Points: Earn 2.5 reward points for every ₹100 spent on international transactions. Domestic spends accrue 1 reward point for every ₹100 spent.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is applicable across all fuel stations in India. This waiver applies to transactions between ₹500 and ₹3,000, capped at ₹100 per billing cycle.
- Concierge Services: A 24×7 concierge service assists with flight bookings, hotel reservations, and other lifestyle needs, both in India and abroad.
- Entertainment Offers: Enjoy a 20% discount or a maximum of ₹350 off on every two tickets purchased via BookMyShow for Events and Theatre bookings. This offer is valid until March 31, 2026.
- Total Protect: The card is secured with Total Protect, providing coverage up to the credit limit against unauthorized transactions.
- 22K Gold Inlay: The IndusInd Bank Crest Credit Card features a pure 22K Gold inlay, a unique design element in the Indian subcontinent.
- No Preset Spending Limit: The card offers the flexibility of no preset spending limit, catering to high-net-worth individuals.
These benefits are designed to the lifestyle and travel experiences of high-income customers.
Crest Card: Fees & Charges
The IndusInd Bank Crest Credit Card carries a joining fee of ₹75,000 to ₹1,00,000 and an annual fee of ₹10,000 for primary cardholders, as of 2026. The annual fee can be reversed if combined spends exceed ₹10 lakh in the preceding year.
| Charge Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee | 75,000 – 1,00,000 | Subject to bank communication at the time of application. |
| Annual Fee (Primary Card) | 10,000 + GST | Reversed if combined spend on primary and add-on cards is ₹10 lakh or more in the previous year. |
| Annual Fee (Add-on Cards) | 0 | No annual fee applicable for add-on cards. |
| Foreign Currency Transaction Fee | 3.5% | Applicable for all transactions made in foreign currency. |
| Interest Rate | 3.83% p.m. | Dynamic and subject to change based on payment behavior, loyalty, and customer vintage. |
| Late Payment Charges | Varies | Levied if no payment or less than the Minimum Amount Due is paid. |
| Minimum Amount Due (MAD) | 5% of Total Amount Due | Or other amount as determined by IndusInd Bank. |
| Cash Advance Fee | 1% Fee + GST | Applicable on Crest and other premium cards. |
| Duplicate Credit Card Statement Fee | 100 per statement | Applicable for statements requested beyond 3 months. |
| Cash Bill Payment Charge | 100 | Applicable for bill payments made at any IndusInd Bank branch. |
| Guest Lounge Visit Fee (outside India) | Up to USD 35 per person, per visit | Applicable for guests accompanying the cardholder. |
| Lounge Usage Fee (outside India) | Up to USD 35 per member, per visit | Applicable once the Primary Cardholder has used 2 complimentary visits in a calendar quarter outside India. |
| Domestic Lounge Access Fee | Varies | Fees apply after complimentary visits are utilized; spend criteria tracking begins April 1, 2026, for July 2026 quarter onwards. |
| International Lounge Access Fee | Varies | Fees apply after complimentary visits are utilized. |
| Fuel Surcharge Waiver | 1% | On transactions between ₹500 and ₹3,000, capped at ₹100 per billing cycle. |
Understanding these charges is for managing the overall cost of ownership for the IndusInd Bank Crest Credit Card.
Crest Card: Eligibility
The IndusInd Bank Crest Credit Card is an exclusive, invitation-only product, targeting high-net-worth individuals in India. Eligibility is determined by IndusInd Bank based on internal criteria, including the applicant’s income profile, existing relationship value, and creditworthiness.
As of 2026, applicants must meet specific age and income requirements, alongside maintaining a valid PAN and Aadhaar for KYC verification.
- Invitation-Only Access: The Crest Credit Card is not available for direct application; IT is extended to selected customers by IndusInd Bank.
- Resident Indian Status: Applicants must be Resident Indians, holding valid identity and address proofs as per RBI guidelines.
- Minimum Age: The primary cardholder must be at least 18 years of age, aligning with general credit card eligibility norms in India.
- Income Profile: While specific figures are not public, the bank assesses an applicant’s income, occupation, and overall financial standing to ensure suitability for this premium card.
- Creditworthiness: A strong credit history and high CIBIL or Experian score are , reflecting responsible financial behavior.
- Existing Bank Relationship: Customers with a pre-existing relationship with IndusInd Bank, especially those with high relationship value, are often considered for pre-approved offers.
Required documents typically include identity proof, address proof, and income proof, which can often be verified digitally.
Crest Card: Rewards Program
The IndusInd Bank Crest Credit Card offers a tiered rewards structure, providing 2.5 points per ₹100 on international transactions and 1 point per ₹100 on domestic spends. All accrued reward points remain valid for one year from their earning date.
This reward structure makes the Crest Card particularly beneficial for individuals with significant international spending, maximizing value on foreign currency transactions.
Crest vs Indulge Card
The IndusInd Bank Crest Credit Card and Indulge Credit Card are both premium, invite-only offerings for high-net-worth customers in India. While both cards offer extensive luxury benefits, the Indulge card features a pure 22K Gold inlay and a higher number of complimentary golf games and lessons per month.
| Feature | Crest Credit Card | Indulge Credit Card |
|---|---|---|
| Card Type | Premium, Invite-only | Exclusive, Invite-only |
| Physical Card Feature | Standard premium card | Pure 22K Gold inlay, no pre-set spending limit |
| Joining Fee | ₹75,000 – ₹1,00,000 (as of 2026) | Not specified (invite-only, typically high) |
| Annual Fee (Primary) | ₹10,000 (reversed on ₹10 lakh annual spend) | Not specified (invite-only, typically high) |
| Lounge Access (International) | 8 complimentary visits per year (LoungeKey membership) | 4 complimentary visits per quarter (Priority Pass, outside India, effective March 13, 2025) |
| Lounge Access (Domestic) | 2 complimentary visits per quarter (spend criteria tracking from April 1, 2026) | Complimentary domestic lounge access (spend criteria tracking from April 1, 2026) |
| Golf Benefits (Effective March 10, 2026) | 2 complimentary games and 2 complimentary lessons per month | 4 complimentary games and 4 complimentary lessons per month |
| Reward Points on International Spends | 2.5 points per ₹100 spent | 1.5 points per ₹100 spent |
| Reward Points on Domestic Spends | 1 point per ₹100 spent | 1.5 points per ₹100 spent |
| Foreign Currency Markup Fee | Typically around 3.5% (verify with bank) | 1.8% |
| BookMyShow Offer | 20% off or ₹350 discount on 2 tickets (Events/Theatre, valid till March 31, 2026) | 20% off or ₹350 discount on 2 tickets (Events/Theatre) |
| ITC Culinaire Membership | Discontinued (effective October 5, 2025 for existing, September 15, 2025 for new cardholders) | Not specified (check for specific updates) |
The Crest Card focuses on a broad range of premium benefits, while the Indulge Card offers d golf privileges and a lower foreign currency markup fee, making IT more suitable for frequent international travelers and golf enthusiasts.
Crest Card: Application Process
The IndusInd Bank Crest Credit Card is an invitation-only product, extended to select customers based on their income profile and relationship value with the bank. Eligibility is determined by IndusInd Bank’s internal criteria, including a valid PAN and Aadhaar for KYC, Resident Indian status, and specific minimum age and income requirements.
While direct applications are not available, existing IndusInd Bank customers may receive pre-approved offers. The process typically involves digital verification of documents.
- Invitation-Only Access: The Crest Credit Card is exclusively for invited customers, not available for general application.
- Eligibility Assessment: IndusInd Bank evaluates potential cardholders based on internal criteria like income, age, occupation, and creditworthiness.
- Required Documents: Applicants need to provide identity proof (PAN Card/Aadhaar), residence proof (Aadhaar/Utility Bills), and income proof (latest salary slips or ITR/audited balance sheets).
- Digital Verification: Document verification can often be completed digitally, eliminating the need for physical submissions.
- Existing Customer Advantage: Customers with an existing relationship with IndusInd Bank are more likely to receive an invitation or pre-approved offer.
- KYC Requirements: A valid PAN and Aadhaar linked to a mobile number are for completing the Know Your Customer (KYC) process.
Key Takeaways
- The IndusInd Bank Crest Credit Card is an exclusive, invitation-only product for high-net-worth individuals.
- Eligibility is strictly based on IndusInd Bank’s internal assessment of a customer’s financial profile and existing relationship.
- The application process is streamlined for invited customers, often involving digital document verification.
Contact IndusInd Bank directly to understand their criteria for premium card invitations.
Frequently Asked Questions (FAQs)
What are the main benefits of the IndusInd Bank Crest Credit Card in 2026?
The IndusInd Bank Crest Credit Card offers premium benefits across travel, lifestyle, and entertainment. Cardholders receive 8 complimentary domestic and international airport lounge accesses, along with a free LoungeKey membership. IT also provides a 24×7 concierge service and exclusive golf privileges.
What is the reward rate for the IndusInd Bank Crest Credit Card?
The IndusInd Bank Crest Credit Card offers 2.5 reward points for every ₹100 spent on international transactions. For domestic spends, cardholders earn 1 reward point per ₹100. These reward points are valid for one year from the date of accrual.
Is the IndusInd Bank Crest Credit Card an invite-only card?
Yes, the IndusInd Bank Crest Credit Card is an invite-only card, specifically issued to high-income consumers. IT targets individuals seeking luxury, convenience, and premium rewards. The bank extends invitations based on specific eligibility criteria and customer profiles.
Does the IndusInd Bank Crest Credit Card offer airport lounge access?
Yes, the IndusInd Bank Crest Credit Card provides significant airport lounge benefits. Cardholders get 8 complimentary domestic and international airport lounge accesses annually. IT also includes a complimentary LoungeKey membership for broader access.
What kind of concierge services does the Crest Credit Card offer?
The Crest Credit Card offers a 24×7 concierge service that can assist with various tasks. This includes flight bookings, hotel reservations, and event ticket arrangements. The concierge can also help with gift delivery and dining reservations.
Are there any golf benefits with the IndusInd Bank Crest Credit Card?
Yes, the IndusInd Bank Crest Credit Card provides exclusive golf privileges through a partnership with Apexlynx. Cardholders can enjoy one complimentary golf game or lesson per quarter at select golf courses across India. This benefit caters to those with a refined lifestyle.
What is the annual fee for the IndusInd Bank Crest Credit Card in 2026?
As of 2026, the IndusInd Bank Crest Credit Card typically carries a high membership fee, reflecting its premium benefits. Specific fee details should be confirmed directly with IndusInd Bank, as they can vary. Despite the fee, its benefits often appeal to high-net-worth individuals.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.