CRED, the app most of us know for rewarding timely credit card bill payments, has now stepped into the credit card game itself. In partnership with IndusInd Bank and the RuPay network, CRED has launched a new credit card that promises flexibility, everyday rewards, and a lifestyle edge.
What Makes CRED IndusInd Bank RuPay Credit Card Unique?
- Big rewards on shopping – Earn 5% back (as CRED Points) when you shop online or on e-commerce platforms.
- Every spend matters too – Get 1% back on offline transactions and even when using UPI via CRED Scan & Pay.
- Plenty of redemption options – Use your rewards on the CRED Store, at 500+ partner merchants, or even for booking hotels and flights.
- No joining fee – Signing up is simple, digital, and free to start.
Premium Twist: The Gold “Sovereign” Card
For those who want something extra, CRED has also launched an invite-only version called Sovereign.
- Made with 18-carat gold, it’s as much a status symbol as a payment tool.
- Comes with luxury perks like concierge services, travel benefits, and exclusive lifestyle privileges.
Also Read: Apply for SBI Credit Card
CRED–IndusInd RuPay Credit Card Quick Recap
| Feature | Benefit |
| Network | RuPay (accepted widely across India & internationally via UPI tie-ups) |
| Joining Fee | ₹0 (no joining charges) |
| Annual Fee | Yet to be confirmed (Sovereign gold version likely premium) |
| Rewards – Online Shopping | 5% back in CRED Coins on e-commerce transactions |
| Rewards – Offline/UPI | 1% back on offline purchases + UPI via CRED Scan & Pay |
| Redemption Options | 500+ partner merchants, CRED Store, flight bookings (Ixigo), hotels (Expedia) |
| Premium Variant | CRED Sovereign (invite-only, 18-carat gold card, luxury perks & concierge services) |
| Onboarding | 100% digital, fast approval via CRED app |
| Best Suited For | Online shoppers, lifestyle users, premium experience seekers |
Why is this card special for you?
Most cards in India tie rewards to specific brands or limit how you redeem them. CRED’s RuPay card flips that around by giving you flexibility. You earn across categories and spend your rewards widely — shopping, dining, travel, or lifestyle. Plus, it’s powered by RuPay, India’s homegrown payment network, which is rapidly growing its premium offerings.
Things to Keep in Mind
- Rewards may come with caps — so check the fine print if you’re a heavy spender.
- While joining is free, there could be annual fees or charges for the premium version.
- Not all transactions may earn rewards (for example, fuel or government payments are often excluded).
Also Read: Flipkart and SBI Launch New Co-branded Credit Card
Conclusion
The CRED–IndusInd RuPay Credit Card isn’t just about payments — it’s about freedom of choice. If you’re someone who values flexibility, simple rewards, and lifestyle benefits, this could be worth adding to your wallet.