IndusInd Bank Crest Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

You will receive 0.70 Reward Points for every Rs. 100 spent on both domestic and international purchases. These Reward Points can be used to transfer to partner airlines' AirMiles programs or can be redeemed for cash credits. In addition, you will also get complimentary access to lounges at both domestic and international airports. Airport benefits include private check-in, access to private lounges for both arrivals and departures, a chauffeured car service to and from the aircraft, and direct delivery of luggage to the private arrival lounge. With Club ITC Culinaire membership, you can enjoy discounts on dining bills. You can also get complimentary golf lessons and games each year through the exclusive golf program and MasterCard golf program. When booking movie tickets through BookMyShow, you can avail a Buy One Get One offer with a maximum of three free tickets per month. The price of the free ticket is capped at Rs. 700 and you will also receive an additional discount of Rs. 50 if you select the F&B option. Furthermore, you can enjoy up to Rs. 3,000 off on dining bills at over 100 partner restaurants. The card provides a lost card liability cover from up to 48 hours prior to reporting the loss of card. Lastly, you will also receive personal air accident cover worth Rs. 2.5 crores.

The IndusInd Bank Crest Credit Card is a high-end credit card that offers a range of benefits for frequent travelers and shoppers.

With two different joining fee options and annual fee structures, this card caters to individuals with varying spending patterns and preferences.

The card offers a reward type of Reward Points, allowing cardholders to earn points on both international and domestic spending.

For every Rs. 100 spent, cardholders can earn 0.70 Reward Points, making it an attractive choice for those who frequently indulge in shopping.

One of the key benefits of this card is the access to exclusive offers and privileges.

Cardholders can enjoy Buy One Get One ticket offers on BookMyShow for movie dining experiences, with a maximum of three free tickets per month.

Additionally, the card offers exclusive dining benefits with Club ITC Culinaire membership, making it a great choice for food enthusiasts.

For frequent travelers, the IndusInd Bank Crest Credit Card provides access to premium airport lounges.

With LoungeKey membership, cardholders can enjoy complimentary lounge access every quarter.

The card also offers two complimentary domestic lounge visits quarterly under the MasterCard Lounge access program.

For international travelers, the LoungeKey membership provides two complimentary international lounge visits every quarter.

Golf enthusiasts will also find value in this credit card, as it offers three complimentary golf rounds and golf lessons every month with the exclusive golf program.

Additionally, cardholders can enjoy 12 complimentary golf lessons and golf games each year with the Mastercard Golf program.

The IndusInd Bank Crest Credit Card also provides comprehensive insurance benefits.

Cardholders can avail personal air-accident cover worth Rs. 2.5 crores, ensuring peace of mind while traveling.

Additionally, the card offers lost card liability protection, providing coverage from 48 hours prior to reporting the loss of the card.

The card offers a spend based waiver for the annual membership fee.

If the cardholder spends Rs. 20,00,000 in the previous year, the annual membership fee is waived off.

However, a rewards redemption fee of Rs. 100 is applicable.

When it comes to fees and charges, the card does have a joining fee of either Rs. 1,00,000 or Rs. 2,00,000, with an accompanying annual fee of Rs. 10,000 or no annual fee respectively.

The renewal fee is Rs. 10,000 if the joining fee of Rs. 1,00,000 was paid, and nil if the joining fee of Rs. 2,00,000 was paid.

There is also a foreign currency markup fee of 3.5% + GST, and an interest rate of 2.99% per month (or 36% annually).

However, fuel surcharges are waived for transactions between Rs. 400 and Rs. 4,000, making it convenient for cardholders to use their card for fuel purchases.

Cash advances are subject to a charge of 2.5% of the advanced amount, with a minimum of Rs. 300.

In conclusion, the IndusInd Bank Crest Credit Card is a premium credit card that offers a range of benefits for frequent travelers and shoppers.

With attractive rewards, exclusive offers, and comprehensive insurance benefits, this card is well-suited for individuals who value luxury, convenience, and personalized services.