IndusInd Bank Crest Credit Card – Benefits, Fees & Eligibility

IndusInd Bank Crest Credit Card

Introduction

The IndusInd Bank Crest Credit Card is a top-tier offering designed for individuals who appreciate a world of priceless privileges and exclusive experiences. Crafted for the enjoyment of the finer things in life, this card provides intellectual and thoughtful benefits across various categories. It comes packed with premium advantages, including a 24×7 concierge service, personal air accident cover, and complimentary LoungeKey membership. The card offers extensive travel benefits such as complimentary stays at Oberoi hotels and special airport services, alongside entertainment perks like complimentary movie tickets via BookMyShow, and valuable dining rewards through Club ITC Culinaire membership, including up to 25% savings on dining bills.

Welcome Benefits

• Not Applicable

Fees

• Joining Fee: ₹75,000 + GST
• Renewal Fee: ₹10,000 + GST
• Spend-Based Waiver: The annual membership fee is waived off on spending ₹20,00,000 in the previous year.
• Rewards Redemption Fee: ₹100
• Foreign Currency Markup: 3.5% + GST
• Interest Rates: 2.99% per month (or 36% annually)
• Fuel Surcharge: Waived for transactions between ₹400 and ₹4,000.
• Cash Advance Charges: 2.5% of the advanced amount, subject to a minimum of ₹300.

Rewards

Reward Rates

• Earn 2.5 Reward Points per ₹100 spent internationally.
• Earn 1 Reward Point per ₹100 spent domestically.
• Earn 0.70 Reward Points per ₹100 for rental payments, utility bill payments, education institute fees, or insurance premium payments.

Movies

• Buy One Get One (BOGO) offer on BookMyShow movie tickets, allowing for a maximum of 3 free tickets per month.
• The maximum discount for a free ticket is capped at ₹700 (any amount exceeding this cap must be paid by the cardholder).
• Receive an additional discount of ₹50 when selecting the Food & Beverage option on BookMyShow.
• Get 20% off on theatre and events bookings on BookMyShow, with a maximum discount capped at ₹700.

Dining

• Enjoy exclusive dining benefits with Club ITC Culinaire Membership.
• Receive a Dining Voucher worth ₹3,000.
• Benefit from discounts on dining bills with Club ITC Culinaire membership.
• Earn Green Points equivalent to 25% of the spending on eligible food and beverages at ITC Hotels and Welcome Hotels.
• Get 20% savings on dining bills at Fortune and WelcomHeritage Hotels.
• Receive 1,000 bonus Green Points on every accumulated spend of ₹25,000 on food and beverages, up to a maximum spend of ₹1,00,000.
• Earn 50% bonus Green Points on your dining spends during your or your spouse’s birthday week.
• Avail up to ₹3,000 off on dining bills at over 100 partner restaurants.
• Important Note: The complimentary ITC Membership, currently available with the MasterCard variant, will be discontinued for existing cardholders and for any new customers onboarded on or after 15th September 2025, with effect from 5th October 2025.

Travel & Lounge Access

• Access LoungeKey membership, providing 2 complimentary international lounge visits every quarter per guest.
• Enjoy 2 complimentary domestic lounge visits quarterly under the MasterCard India Lounge access program.
• Reward Points are redeemable for AirMiles at partner airlines.
• Get a 15% discount on Meet and Greet services with the Mastercard Airport Concierge service.
• Benefit from premium airport services, including private check-in, a private arrival and departure lounge, a chauffeured car to and from the aircraft, and luggage delivered directly to the private arrival lounge.
• Global Data Roaming by Flexiroam.
• Complimentary stays at Oberoi hotels.

Golf

• Enjoy 3 complimentary golf rounds and 3 golf lessons every month with the exclusive Golf Program.
• Receive 12 complimentary rounds of green fees and 12 complimentary golf lessons (3 per quarter) every year with the MasterCard Golf Program.
• Access 4 complimentary green fees for guests, limited to 1 per quarter at maximum.
• Gain Private Club Access to TPC private golf courses, choosing from over 15 premium properties in the USA.

Insurance

• Receive a complimentary Personal Air Accident Cover worth ₹2.5 Crores.
• Benefit from Lost Card Liability Protection, applicable for losses reported up to 48 hours prior to reporting.

Lifestyle & Other Benefits

• Access a 24x7 Concierge service.
• Utilize Crest Auto Assist for roadside assistance, including roadside repair, emergency fuel supply, battery service, and flat tire assistance.
• Avail the Advance Medical privilege for complimentary access to the top 50,000 doctors in the world.

Rewards Redemption Guide

• Reward points can be transferred to partner airlines’ AirMiles programs.
• Transfer Reward Points to KrisFlyer miles of Singapore Airlines, where 200 Reward Points equal 100 KrisFlyer Miles.
• Reward Points are redeemable for cash credit to pay your card bills.
  • Currently, 1 Reward Point is equivalent to ₹0.75 for cash redemption.
  • The current maximum redemption limit for the cash credit option is 30,000 reward points in one statement cycle.
  • Effective 1st September 2024: The maximum reward points allowed for cash redemption will be 10,000 per calendar month.
• Reward points earned are valid for a period of 1 year from the date of their accrual, after which they will expire if unused.
• Redeem reward points against an array of options available at Indus Moments.

Card Eligibility Criteria

Documents Required

• Address proof
• Identity proof
• Proof of income

Card Review

The IndusInd Bank Crest Credit Card stands out as a highly attractive offering, particularly for its robust travel benefits and competitive reward rates on both domestic and international spends. Despite its substantial membership fee, this card is ideally suited for high-net-worth customers who seek to maintain and enhance their premium lifestyle requirements without compromise. It successfully delivers a comprehensive suite of luxury privileges, making it a compelling choice for discerning cardholders.

Important Product Details

• Reward Points can be transferred to partner airlines’ AirMiles programs or redeemed against Cash Credit.
• Enjoy complimentary access to both domestic and international lounges.
• Airport benefits encompass private check-in, access to a private (arrival and departure) lounge, a chauffeured car service to and from the aircraft, and direct luggage delivery to the private arrival lounge.
• Benefit from discounts on dining bills with Club ITC Culinaire membership.
• Receive complimentary golf lessons and golf games every year through both the exclusive Golf Program and the MasterCard Golf Program.
• Avail a Buy One Get One (BOGO) offer on BookMyShow movie tickets, with a limit of three free tickets per month. The free ticket price is capped at ₹700, and an additional discount of ₹50 is provided when selecting the F&B option.
• Get up to ₹3,000 off on dining bills at more than 100 partner restaurants.
• Lost card liability protection is provided for losses reported up to 48 hours prior to the official reporting time.
• Includes a personal air accident cover worth ₹2.5 crores.
• Effective 1st September 2024: The maximum reward points allowed for cash redemption will be capped at 10,000 per calendar month.
• Effective 5th October 2025: The complimentary ITC Membership, available with the MasterCard variant, will be discontinued for existing cardholders and for any new customers onboarded on or after 15th September 2025.
• The card supports contactless payments via Visa payWave technology, eliminating the need for a PIN for transactions up to ₹5,000.

Other Details

• Customer Care Number: 1860 267 7777
• Best Suited For: Travel, Shopping
• Reward Type: Reward Points