Crest Credit Card
IndusInd Bank
last updated: Nov 21, 2025
₹10,000
₹75,000
3.5%
16 visits/yr
Contents
The Crest Credit Card is IndusInd Bank’s premium lifestyle offering with travel, dining and wellness privileges. It includes complimentary lounge access, concierge services and curated lifestyle programmes. Suited for high-spend cardholders who want premium travel perks and accelerated rewards.
Features of Crest Credit Card which makes it unique
Crest Wellness
Access to curated wellness and medical assistance programmes
Premium health and wellness support
More extensive than standard reward cards
Crest Rewards & Redemption
Points programme usable for travel, vouchers and partner redemptions
Flexible redemption options
Competitive partner conversion options
Rewards Structure of Crest Credit Card
Dining
acceleratedSelect partner restaurants and curated offers
Mastercard Epicurean and curated dining programmes provide additional benefits.
Travel
acceleratedAirline, hotel and travel booking partners
Points redeemable for flights, hotels, or partner conversions per IndusRewards terms.
Shopping
baseAll merchants
Standard earn rate on retail and e-commerce spends.
Milestones of Crest Credit Card
Quarterly Milestone
₹50,000 : ₹500 statement credit (subject to bank campaign terms)
Annual Milestone
₹10,00,000 : Annual fee reversal / premium travel benefit (per bank terms)
Fees & Charges of Crest Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹75,000 |
| Annual Fee | ₹10,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee reversed if combined annual spends (primary + add-ons) ≥ ₹10,00,000; refer to bank schedule of charges.
Fee Explanation Standard bank charges apply for overdue amounts and cash advances; refer to the Crest Schedule of Charges for exact brackets and exceptions.
Lounge Access Benefits with Crest Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Primary cardholder; additional visits may be chargeable per Schedule of Charges.
international Lounges
silverVisits per year: 8
Guest access: Yes
Primary cardholder receives complimentary visits; fees apply after complimentary visits are exhausted.
Insurance Coverage with Crest Credit Card
Travel Insurance
Up to ₹2,50,00,000 (Personal Air Accident & travel benefits)Coverage limits and eligibility per bank insurance T&C.
Purchase Protection
VariesClaims must follow provided timelines in the bank policy.
Additional Features of Crest Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available; fees vary
Add-on charges may apply as per schedule of charges.
Concierge Service
24x7 concierge for travel and lifestyle assistance
Subject to service provider terms.
Welcome Bonus with Crest Credit Card
Welcome Bonus: 10,000 welcome reward points
Bonus Conditions: Credited after meeting the specified initial spend requirement on the primary card within the offer period (see bank T&C).
Application Process for Crest Credit Card
Processing Time
5-7 business days for approved digital issuance; physical card dispatch timelines vary by city.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via IndusInd Bank portal or through bank channel
Upload KYC and supporting documents
Receive verification call and credit assessment
Card dispatched as per bank timelines (digital virtual card may be provided earlier)
Required Documents for Crest Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Crest Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Crest Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Selected customers only. Customer must have valid PAN and Aadhaar for KYC and be Resident Indian.
How Approval Is Decided
- Minimum income as per bank segment (typical digital eligibility starts at ₹20,000/month)
- Resident Indian
- Satisfactory credit history (CIBIL / credit bureau score generally ≥ 700)
Pros of Crest Credit Card
- Extensive lounge access and premium travel benefits
- Strong concierge and wellness benefits
- Robust travel insurance coverage
Cons of Crest Credit Card
- Best value only for high annual spenders
- High joining fee and premium positioning
Frequently Asked Questions about Crest Credit Card
Is there a joining fee?
Yes. The Crest card typically carries a joining fee (₹75,000 / subject to bank communication at time of application).
What are the annual fee waiver conditions?
Annual fee (₹10,000) is reversed if combined spends on the account reach ₹10,00,000 in the specified period per bank terms.
How many complimentary lounge visits do I get?
Primary cardholders receive a set number of complimentary domestic and international lounge visits (eight per year each in typical programmes); additional visits may be chargeable.
How do reward points convert to airline miles or hotels?
Reward point conversions and partner transfer ratios vary by partner; check IndusRewards and partner conversion tables before transfer.
What is the foreign currency markup fee?
Foreign currency markup is typically around 3.5% (may vary by card variant and bank updates).
Who is eligible to apply?
Selected customers are invited; general eligibility includes Resident Indian status, minimum age and income criteria as per bank policies.
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