# CRED IndusInd RuPay

IndusInd Bank · RuPay. ₹499 fee · 3.5% forex · 1 CRED Point / ₹100 UPI scan&pay / offline / intl (UPI sub-cap 500 pts/cycle).

community-verified · checked 14 June 2026 · Source: https://www.paisabazaar.com/indusind-bank/cred-indusind-rupay-credit-card/

## How it earns (2)

- 1 CRED Point / ₹100 UPI scan&pay / offline / intl (UPI sub-cap 500 pts/cycle) · verified · checked 14 June 2026
- 5 CRED Points / ₹100 online & CRED app (cap 5,000 pts/cycle) · cap 5,000 points per statement cycle · online · verified · checked 14 June 2026

## On gift vouchers

- ₹100 back on a ₹10,000 voucher bought direct. · 1 CRED Point / ₹100 UPI scan&pay / offline / intl (UPI sub-cap 500 pts/cycle)
- Vouchers for Bharat Petroleum (BPCL), NoBroker Pay (rent) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No CRED Points on wallet-load gift cards (Wallet Load excluded); brand vouchers earn base
- No points: fuel, rent, wallet

## Fees

- Annual fee: ₹499 + GST
- Forex markup: 3.5%
- DCC markup: 2%
- Earns: CRED Points · ₹1 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/cred-indusind-rupay