IndusInd Bank Crest Credit Card: Benefits & Apply

Summary

IndusInd Bank Crest Credit Card is an upscale credit card for those who want luxury, convenience, and exclusive lifestyle privileges. First of all, the card is unique with its personalized and fashion-inspired look that enables one to leave an impression on the card. This is not only aesthetically pleasing but also differentiates it and makes it trendy.

Furthermore, the card also offers users a wide variety of travel privileges such as free visits to domestic as well as international airport lounges, international travel insurance coverage, concierge services, and even worldwide roaming data packages. These are especially convenient for frequent travelers who value convenience as much as comfort when traveling.

Besides this, the card also possesses delightful dining and entertainment benefits. The cardholders, for example, get discounted rates on upscale restaurants, access to exclusive dining schemes, and “Buy 1 Get 1 Free” movie ticket deals on BookMyShow. Golfers also enjoy free golf games and sessions every month.

Introduction

With the premium credit card in the current times, you not only get to manage your finances better, but you also get access to premium lifestyle privileges. One of those premium cards leading the pack is the IndusInd Bank Crest Credit Card. Made for high-net-worth individuals and luxury aficionados, high-end shoppers, travelers, and convenience users, this card introduces an entirely new dimension of rewards and prestige. Whether you are an avid traveler, a shopaholic, or an out-to-eat foodie, something is rewarding in the IndusInd Crest Credit Card for you.

First, this card is well-known for its premium rewards and luxury privileges. From free airport lounge visits to travel insurance and concierge services, members of Crest Credit Card get to lead an easy life. And the good news is that these rewards are not only Indian but international too. So, wherever you are traveling, this card remains your constant companion.

Furthermore, the IndusInd Crest Credit Card reward scheme has been great. You accrue reward points every time you make a transaction with the card. You can redeem the points for any of multiple options, such as air travel, hotel reservations, gift vouchers, or even cashback. Unlike other cards, the reward points never expire, meaning you can redeem them whenever and wherever you want.

Another eye-catching aspect that differentiates this card is that it can be customized. Yes, you read that right! IndusInd Bank enables you to personalize the appearance of your Crest Credit Card according to your style and preference. This makes your card uniquely personalized and also provides you with a superior overall experience.

What is the IndusInd Bank Crest Credit Card?

The IndusInd Bank Crest Credit Card is a premium credit card that is specifically made for those people who enjoy living life with splendor. It offers various premium amenities, like travel advantages, shopping advantages, dining advantages, and many more. This credit card is unique compared to regular credit cards as it tries to offer splendor experiences and services to the customers.

To start with, one of the major benefits of this card is that it gives free access to airport lounges in domestic as well as international airports. In addition to that, it also gives reward points whenever you spend using the card, which can further be used to book flights, stay in hotels, and other enjoyable gifts.

How is the design of the IndusInd Bank Crest Credit Card?

The IndusInd Bank Crest Credit Card is unique and eye-catching, something that stands out compared to most credit cards. To begin with, one of the most unique aspects is the fact that the card can be personalized. What this implies is that you can personalize the appearance of the card based on a selection of designs or even create your own design using your image or artwork. This personalizes the card for you and makes it stand out.

In addition to this, the card is constructed from higher quality material, and this makes it look stylish and modern. The card also features a metallic finish, which appears classy and sturdy in your hand. Due to this reason, the card feels luxurious and upscale every time you employ it.

What are the benefits of the IndusInd Bank Crest Credit Card?

Here is a summary of its top advantages:

Travel & Lifestyle Privileges

• Lounge Access: Enjoy free entry to over 850 airport lounges worldwide with LoungeKey and the Mastercard Lounge programme.

• Airport Concierge Services: Enjoy tailored services such as fast check-in, private security screening, and chauffeur transfers, ensuring smooth travel.

• Global Roaming Data: Enjoy a free 3GB global data pack for 10 days a year, and enjoy 15% off all other data packs with Flexiroam.

Dining & Entertainment Offers

• Blue Altitude Dining Discounts: Enjoy the best dining restaurants’ special offers with the Club ITC Culinaire membership.

• Entertainment Privileges: Get 20% off BookMyShow ticket reservations, purchase 1 get 1 cinema tickets (3 tickets/month), and more food & beverage discounts.

Golf Privileges

• Free Golf: Stand a chance to play 3 free golf rounds and get lessons every month.

• Mastercard Golf Program: Get privileged access to preferred golf courses and VIP treatment through the TPC Network.

Reward Points & Redemptions

• Reward Points: Receive 1 point for each ₹100 locally spent and 2.5 points for each ₹100 spent internationally.

• Redemption Options: Redeem miles as KrisFlyer miles (2 points = 1 mile), cash credit (₹0.75 per point), or redeem on the IndusMoments portal for lifestyle rewards.

Insurance & Medical Assistance

• Air Accident Cover: Get up to ₹2.5 crore cover.

• Medical Concierge Services: Access to over 50,000 health professionals, along with assistance with medical records, diagnosis, and treatment.

Additional Benefits

• Fuel Surcharge Waiver: Get a waiver for fuel transactions between ₹500 and ₹10,000 at 1%.

• Gift Voucher: Get a ₹1,000 gift voucher on first-year annual spend of ₹20,000.

What are the fees for the IndusInd Bank Crest Credit Card?

Here is a simple breakdown of the  IndusInd Bank Crest Credit Card fees.

Joining Fee	Rs. 75,000 + GST
Annual Fee	Rs. 10,000 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 2.99% per month (36% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IndusInd Bank Crest Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IndusInd Bank Crest Credit Card?

The documents that you will have to submit to get the IndusInd Bank Crest Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IndusInd Bank Crest Credit Card be used?

Here is the list of places where you can use it:

• With the IndusInd Bank Crest Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IndusInd Bank Crest Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  IndusInd Bank Crest Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IndusInd Bank Crest Credit Card?

The credit amount you can spend is what you are provided with an IndusInd Bank Crest Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IndusInd Bank Crest Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IndusInd Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IndusInd Bank; for instance, you can choose the  IndusInd Bank Crest Credit Card.

• Just hover your cursor on the  IndusInd Bank Crest Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IndusInd Bank branch to apply for the  IndusInd Bank Crest Credit Card.

• Request the credit card application form for the  IndusInd Bank Crest Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IndusInd Bank Crest Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IndusInd Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IndusInd Bank Crest Credit Card in 2025 be right?

Getting an IndusInd Bank Crest Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IndusInd Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Overall, IndusInd Bank Crest Credit Card offers more than just a way of payment; it is a ticket to its premium and rewarding lifestyle. For a beginning, the card offers an array of affluent privileges that are designed with shoppers’ convenience, travelers’ convenience, as well as enthusiasts’ convenience in mind. From airport lounge access for free to the ample reward points and concierge services, each feature is designed with your hectic lifestyle in mind.

Apart from this, the personalizable design of the card makes it different from others as you can have a credit card that suits your personality the most. Along with this, the advanced security features ensure that your transactions are secure and safe at all times. Hence, you can enjoy the benefits of the card without any fear of security.

Apart from that, the flexible reward system enables you to redeem points in all manners of ways including a flight booking, hotel stay, and gift vouchers so that you earn the maximum out of your spending. Apart from that, benefits like golf accesses, dining allowances, and travel insurance make the card your best companion if you are the type of person who enjoys maximizing every possibility.

Frequently Asked Questions (FAQ’s)