IndusInd Crest Credit Card Review
The IndusInd Crest is an invite-only super-premium Mastercard. It earns more on international spends, converts points to KrisFlyer miles and includes LoungeKey access abroad, golf and generous BookMyShow offers.
IndusInd has tightened its benefits in 2026: domestic lounges now need ₹5 lakh of previous-quarter spend and golf was reduced to 2 games and 2 lessons a month.
- 2.5 points per ₹100 on international spends
- Points worth ₹0.75 as cash or transferable to KrisFlyer
- LoungeKey: 2 international visits a quarter, no spend condition
- BookMyShow buy-one-get-one up to ₹700, 3 times a month
- Interest 2.99% a month
- By invitation only, with a ₹75,000 joining fee
- Domestic lounges need ₹5 lakh previous-quarter spend (from Jul 2026)
- Golf reduced to 2 games and 2 lessons a month
- Air-accident cover ended Dec 2025
- Cash redemption capped at 10,000 points a month
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹75,000 + GST |
| Annual fee | ₹10,000 + GST, refunded on ₹10 lakh spend (primary and add-on combined) |
| Interest | 2.99% a month |
| Forex markup | Reported 1.8% |
Rewards: how the card earns
| Spend | Points per ₹100 |
|---|---|
| International | 2.5 |
| Domestic | 1 |
| Fuel | 0 |
1 point = ₹0.75 as cash credit (cap 10,000 points a month) or 2 points = 1 KrisFlyer mile. Minimum redemption 500 points.
What earns nothing
Fuel earns no points.
Other benefits
| Benefit | Detail |
|---|---|
| International lounges | LoungeKey: 2 visits a quarter, no spend condition |
| Domestic lounges | 2 a quarter, after ₹5 lakh spend in the previous quarter (from the July 2026 quarter) |
| Golf | 2 games and 2 lessons a month (since 10 Mar 2026) |
| Movies and events | BookMyShow BOGO up to ₹700 (3 a month) plus ₹50 off food and drinks; 20% off events (up to ₹350, twice a month), until 31 Mar 2027 |
| Network | Mastercard |
Eligibility
Issuer
IndusInd Bank
Access
By invitation
Network
Mastercard
Who this card is for
- Good fit: IndusInd wealth clients who spend heavily abroad and fly Singapore Airlines.
- Skip if: you are not invited, or you will not spend ₹10 lakh a year.
Alternatives worth comparing
Final verdict
A niche invite-only card whose best feature is KrisFlyer transfers and LoungeKey access abroad. The 2026 benefit cuts and high joining fee make it hard to recommend over other super-premium cards.
Frequently asked questions
Can I apply for IndusInd Crest?
It is offered by invitation.
What are the fees?
₹75,000 + GST to join and ₹10,000 + GST a year, refunded on ₹10 lakh annual spend.
How many points does it earn?
2.5 per ₹100 abroad and 1 per ₹100 in India.
Can I transfer points to airlines?
Yes, to KrisFlyer at 2 points = 1 mile.
What changed in 2026?
Domestic lounges now need ₹5 lakh of previous-quarter spend and golf was cut to 2 games and 2 lessons a month.
Last verified: October 2026, against IndusInd Bank’s Crest microsite, schedule of charges and lounge and golf T&C. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.