IndusInd Crest Credit Cards 2024 – Benefits, Features and How to Apply

IndusInd Crest Credit Cards: Credit cards have become an essential part of our financial lives. They provide a convenient way to make purchases and manage expenses. With numerous options available, choosing the right credit card that suits your needs and lifestyle can be tricky. One popular credit card in the Indian market is the IndusInd Crest credit card.

Overview of IndusInd Crest Credit Cards

IndusInd Crest is a suite of premium credit cards offered by IndusInd Bank. It aims to provide an exclusive banking and lifestyle experience to its cardholders. Some key benefits of IndusInd Crest credit cards include:

  • Higher credit limits compared to regular cards
  • Accelerated reward points on spends
  • Complimentary airport lounge access
  • Special deals and discounts at partner outlets
  • Personalized concierge services

The IndusInd Crest suite has three variants – Crest, Crest First, and Crest Life. Each one caters to different lifestyle needs and comes loaded with its own set of features and perks.

Features and Benefits of IndusInd Crest Cards

Here are some of the standout features of IndusInd Crest credit cards:

Earn Reward Points Faster

IndusInd Crest cards allow you to earn reward points on every purchase made using the card. The earning rate is higher compared to regular credit cards. For instance, the Crest First card offers 12 reward points per ₹150 spent. Accelerated earnings can help you redeem rewards faster.

Complimentary Airport Lounge Access

All IndusInd Crest cards come with complimentary access to airport lounges in India. This allows you to relax and unwind before your flight. The Crest Life card offers unlimited complimentary access while the Crest First is limited to 6 per quarter.

Premium Concierge Services

The concierge service offers personalized assistance in travel planning, restaurant bookings, event ticketing, gift recommendations, and more. It aims to provide convenience and enhance your credit card experience.

Higher Credit Limit

Based on your eligibility, you can get a higher credit limit with IndusInd Crest cards compared to regular cards. It provides higher spending power and flexibility.

Fuel Surcharge Waiver

You can save on fuel costs as IndusInd Crest cards offer a waiver on the fuel surcharge (1%) levied by petrol pumps. This benefit is capped at ₹500 per month.

Complimentary Membership

Crest cardholders get a complimentary membership of the IndusInd Bank Iconia Rewards program. It unlocks benefits like birthday and anniversary gifts, exclusive event invites, and dining offers.

Best IndusInd Crest Credit Card for You

IndusInd offers three Crest cards to meet different requirements. Here is a brief comparison to help identify the most suitable one:

CardCrestCrest FirstCrest Life
Reward Points10/₹150 spent12/₹150 spent15/₹150 spent
Lounge Access4/quarter (Domestic)6/quarter (Domestic)Unlimited (Domestic+Intl)
Annual Fee₹2,500 + taxes₹10,000 + taxes₹20,000 + taxes
Key BenefitsAccelerated rewards<br>4 Intl lounge access/year<br>Fuel surcharge waiver<br>Concierge serviceHigher lounge access<br>Golf program<br>Priority pass membership<br>Travel benefitsUnlimited lounge access<br>Luxury hotel benefits<br>Premium concierge<br>Golf/travel benefits

As evident, the Crest First and Crest Life cards have more premium perks and benefits compared to the regular Crest card. The Crest First strikes a balance with its lounge access, travel benefits, and annual fee. The Crest Life is ideal for frequent travelers who seek luxury privileges. Pick the one aligning closest to your lifestyle and spending ability.

How to Apply for an IndusInd Crest Credit Card

Here is a step-by-step guide to applying for an IndusInd Crest credit card:

Step 1: Go to the IndusInd credit cards page and click on ‘Apply Now’ under your preferred Crest variant.

Step 2: You will be redirected to an application form. Fill in the required personal and employment details accurately.

Step 3: Enter your income details and existing relationship with IndusInd Bank (if any). This data will be used to determine your credit limit.

Step 4: Read the terms and conditions and provide consent to the credit information services. Submit the completed application form.

Step 5: The bank will evaluate your profile and request KYC documents for verification. Upload scanned copies as per the checklist.

Step 6: After document verification, IndusInd will communicate its credit decision. If approved, your card will be couriered to your registered address within 7 working days.

Step 7: Activate your new credit card as soon as you receive it. Start using it to enjoy the privileges and rewards of IndusInd Crest membership.

The application process is quick and straightforward. Maintain a good credit score and stable income flow to increase your chances of approval.

FAQs on IndusInd Crest Credit Cards

Here are some common queries answered about IndusInd Crest credit cards:

What is the minimum income eligibility for IndusInd Crest cards?

The minimum gross annual income to be eligible is ₹6 lakh for Crest, ₹12 lakh for Crest First, and ₹18 lakh for Crest Life variant.

How do I redeem the reward points earned on my Crest card?

You can redeem earned points for statement credits, online shopping, flight tickets, hotel bookings, fuel surcharge waivers, and more. Redemptions start at just 2000 points.

Is there a forex markup fee on international transactions?

Yes, IndusInd Crest cards levy a 3.5% forex markup fee on all international transactions. Plus, 18% GST is applicable on the markup amount.

How do I get an add-on Crest card for my family member?

You can request an add-on Crest card for your spouse, parents, or kids above 18 years. Add-on cards share the primary card’s credit limit and rewards. Annual fees for add-ons are 50% of primary card fees.

What is the credit limit I can get with the Crest First card?

The credit limit is decided based on your income, credit score, and banking relationship with IndusInd. In general, it ranges from ₹1 lakh to ₹10 lakh or higher for Crest First cardholders.


To conclude, IndusInd Crest credit cards aim to offer a premium, rewarding, and convenient usage experience. The lounge access, concierge service, faster earnings, and travel benefits make these cards stand out from regular offerings. The higher annual fees are justified by the exclusive privileges and greater credit limits. Analyze your spending patterns and needs to decide which Crest variant suits you the best. The application process is easy if you meet the broad eligibility criteria. Use your new IndusInd Crest wisely to make the most of its fee benefits and rewards. It can become your most trusted travel and lifestyle companion.

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