IndusInd Bank Crest Credit Card – Benefits, Fees & Eligibility

Introduction

The IndusInd Bank Crest Credit Card is a top-end offering from IndusInd Bank, designed for high-net-worth customers seeking premium benefits. It provides a 24x7 concierge service, complimentary LoungeKey membership, and various best-in-class privileges. Differentiating itself with additional travel benefits, the card offers complimentary stays at Oberoi hotels, special airport services, and complimentary movie tickets (three per month) when booked through BookMyShow.

Fees

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

Rewards

• Rewards Rate:
  • 2.5 Reward Points for every ₹100 spent internationally.
  • 1 Reward Point for every ₹100 spent domestically.
  • 0.70 Reward Points for every ₹100 spent on rental payments, utility bill payments, education institute fees, or insurance premium payments.
• Movie & Dining:
  • Buy One Get One (BOGO) offer on BookMyShow movie tickets, with a maximum of 3 free tickets per month. The free ticket price is capped at ₹700, and there is an additional discount of ₹50 on selecting the F&B option.
  • Up to ₹3,000 off on dining bills at over 100 partner restaurants.
  • 20% off on theatre and events bookings on BookMyShow (maximum discount capped at ₹700).
• Travel:
  • LoungeKey membership with 2 complimentary international lounge visits every quarter per guest.
  • 2 complimentary domestic lounge accesses available every quarter under the MasterCard India Lounge program.
  • 15% discount on Meet and Greet services with the Mastercard Airport Concierge service.
  • Premium airport services include a private lounge, chauffeured car, and direct delivery to the arrival lounge.
  • Global Data Roaming by Flexiroam.
  • Reward Points are redeemable for AirMiles at partner airlines.
• Golf:
  • 2 complimentary golf games and 2 golf lessons every month with the exclusive Golf Program and MasterCard golf program. This benefit is effective 10th March 2026.
• Insurance Benefits:
  • Lost Liability Cover, which covers up to 48 hours prior to reporting the loss of the card.
• Lifestyle:
  • Crest Auto Assist provides roadside assistance anytime, including roadside repair, emergency fuel supply, battery service, and flat tire service.

Rewards Redemption Guide

• Reward points can be redeemed against an array of options at Indus Moments.
• Reward Points can be transferred to KrisFlyer miles of Singapore Airlines, where 200 Reward Points equal 100 KrisFlyer Miles.
• Reward Points are redeemable for cash credit (to pay card bills), with 1 Reward Point equaling ₹0.75.
• The maximum redemption limit for the cash credit option is 30,000 reward points in one statement cycle.
• The reward points earned on the Crest credit card are valid for 1 year from the date of accrual, after which they will expire if unused.

Card Review

The IndusInd Bank Crest Credit Card is an attractive offering for high-net-worth customers who prioritize lifestyle and travel benefits. Despite its high membership fee, the card provides a high reward rate on both domestic and international spends, coupled with excellent travel perks such as complimentary lounge access, premium airport services, and golf privileges. Its comprehensive benefits make it a strong contender for those who do not wish to compromise on their lifestyle requirements.

Important Product Details

• Reward Points can be transferred to partner airlines’ AirMiles programs or redeemed against Cash Credit.
• Complimentary access to domestic and international lounges is provided.
• Complimentary golf lessons and golf games are available every month.
• The Buy One Get One offer on BookMyShow movie tickets allows for a maximum of three free tickets per month, with the free ticket price capped at ₹700 and an additional discount of ₹50 on F&B.
• Cardholders can avail up to ₹3,000 off on dining bills at over 100 partner restaurants.
• Lost card liability covers transactions up to 48 hours prior to reporting the loss of the card.
• There is no Priority Pass membership offered with this card; instead, a LoungeKey membership is provided with 2 complimentary international lounge visits per quarter.
• Effective 5th October 2025, the Complimentary ITC Membership (available with the MasterCard variant) will be discontinued for existing cardholders and will not be available for new customers boarded on or after 15th September 2025.
• Effective 10th March 2026, the golf benefit will include 2 complimentary games and 2 complimentary lessons per month.
• Effective 1st April 2026, spends criteria tracking will be initiated to unlock complimentary domestic lounge access from the July 2026 quarter onwards.

Other Details

• The IndusInd Bank Crest Credit Card is designed to offer a world of priceless privileges and experiences that speak of intellect and thoughtfulness.
• It comes with a host of travel, dining, lifestyle, wellness, and lounge experiences.
• Crest Auto Assist provides roadside assistance for services like roadside repair, emergency fuel supply, battery service, and flat tires.
• Reward points earned on the card are valid for 1 year from the date of accrual.