IndusInd Bank Crest Credit Card

Card Intro

Welcome Benefits

Welcome Gift equivalent to the joining fee upon payment.

Interest Free Period

20 to 50 Days

Payment Gateway

Mastercard

Card Fees

Joining Fee(once)

Rs. 1,00,000 / Rs. 2,00,000

Annual Fee(2nd year onwards once)

Annual Fee Nil for Rs. 2,00,000 Joining Fee.

Annual Fee Rs. 10,000 for Rs. 1,00,000 Joining Fees.

Add-on Card Fee

Rs. 10,000

Annual Fee Waive off

Nil

Card Features, Rewards and Benefits

Cashback

Nil

Rewards

2.5 Reward Points on every Rs. 100 spent on international transactions.

1 Reward point on every Rs. 100 spent on domestic transactions.

0.7 Reward point on Insurance, Rent, Utility and Government spends, except fuel.

Milestone Benefits

Nil

Fuel Surcharge Waiver

1% for transactions between Rs. 400 to Rs. 4000.

Dining

Club ITC Culinaire membership.

Movie Benefits

Buy one movie ticket at Bookmyshow and get upto Rs.700 off on the second ticket for a maximum of 3 bookings in a month and for non-movie tickets get upto 20% off. Additional Rs 50 off on selecting the F&B option.(BOGO on BookMyShow)

Lifestyle Benefits

4 complimentary Golf rounds per month.

Travel Benefits:

Nil

Lounge Benefits

For Domestic – 8 complimentary lounge access per year

For International Lounges – 8 per year (Complimentary LoungeKey membership).

Hotel Benefits

ITC membership benefits.

Insurance Benefits

Complimentary personal Air Accident Insurance Cover of up to 25 lakhs.

Cover upto Rs. 25,000 for Loss of Travel tickets, Delay of Check-in baggage, Missed flight connection, upto Rs.50,000 for Loss of Passport and upto Rs. 1,00,000 Loss of Check-in baggage.

Insurance Cover benefit equal to credit limit reporting unauthorized transactions within 48 hours of loss/theft of the card.

Concierge Benefits

24×7 concierge service with Auto Assist services like Roadside repair service, Emergency fuel supply, Emergency towing assistance, etc

Health Benefits

Complimentary access to Advance Medical program.

Card Charges

Cash Payment fees at branches

Rs.100

Cash Withdrawal Fees or Cash Advance Fees

2.5% (Min. Rs. 300) of the cash amount

Card Replacement Fees

Rs. 1000

Charge slip Retrieval Fee

Rs. 300

Cheque Payment Fee

N/A

DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)

1% on International transaction

Duplicate Statement Fee

Rs.100 per statement (beyond last 3 months)

Emergency Card Replacement (When Abroad)

Rs. 5000

EMI Processing Fees

Rs. 249

Finance Charges

2.99% per month (36% per annum)

Foreign Currency Transaction fee(Forex Charges)

3.5% of the transaction value

Late Payment charges

Nil if Total Payment Due Up to Rs. 100
Rs. 100 if total payment due is between Rs. 101 – Rs. 5,00
Rs. 350 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 550 if total payment due is between Rs. 1001 – Rs. 10,000
Rs. 800 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1100 if total payment due is between Rs. 25,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000

Outstation Cheque Fee

–

Over Limit Fees

2.5% of the over limit amount (Min Rs. 500)

Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees

Rs.250

Payment of Customs duty

N/A

Priority Pass Lounge Charges

$27 per person per visit + taxes(at Lounge Key)

Railway Tickets Surcharge

As prescribed by IRCTC / Indian Railways

Rental Transaction Fee

1% per transaction

Reward Points Redemption Fee

Rs. 100

Any Other Charges

Balance Enquiry Charges on Non IndusInd Bank ATMs – Rs. 25

Terms & Conditions!

* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.