By Rajat Gaur
Updated On September 30, 2021

Crest credit card is a top-end offering by the IndusInd bank and comes packed with a host of premium benefits including a 24×7 concierge service, complimentary LoungeKey membership, personal air accident cover, and many other best-in-class privileges that one expects from a premium credit card. It is very much similar to IndusInd bank’s own Indulge credit card (we’ve already covered the Indulge card in one of our earlier posts). That being said, Crest credit card offers a few additional travel benefits. Not only lounge access, but it comes with various other premium advantages, such as complimentary night stay at Oberoi hotels, special airport services, etc.

Coming to its entertainment benefits, you can avail of up to 3 complimentary movie tickets every month on BookMyShow. To make your dining experiences more rewarding, it provides you with Club ITC Culinaire membership and up to 25% savings on your dining bills. Read on to learn more about this credit card.

Best Suited For

Travel | Shopping |

Joining Fee

Rs. 1,00,000 (annual fee of Rs. 10,000 to be paid in this case) or Rs. 2,00,000 (annual fee waived in this case)

Reward Type

Reward Points |

Product Details

  • 2.5 Reward Points per Rs. 100 on all international spends.
  • 1 Reward Point per Rs. 100 on all domestic spends.
  • Reward Points transferable to partner airlines’ AirMiles programs or redeemable against Cash Credit (1 Reward Point = Re. 1 or 1 AirMile).
  • Complimentary domestic as well as international lounge access.
  • Airport benefits including private check-in, private (arrival and departure) lounge, chauffeured car (to and from the aircraft), luggage delivered directly to the private arrival lounge, etc.
  • Discount on dining bills with Club ITC Culinaire membership.
  • Complimentary golf lessons and golf games every year with the exclusive golf program and MasterCard golf program each.
  • Buy One Get One offer on BookMyShow movie tickets (max 3 free tickets/month). Free ticket price capped at Rs. 700. Additional discount of Rs. 50 on selecting the F&B option.
  • Up to Rs. 3,000 off on dining bills at over 100 partner restaurants.
  • Lost card liability cover from up to 48 hours prior to the time of reporting the loss of card.
  • Personal air accident cover worth Rs. 2.5 crores.

Rewards and Benefits

Welcome Benefits

N/A

Movie & Dining

Buy One Get One offer on BookMyShow (max 3 free tickets per month), exclusive dining benefits with Club ITC Culinaire membership

Rewards Rate

2.5 Reward Points on every Rs. 100 spent on international transactions and 1 Reward Point on every 100 spent on domestic transactions

Reward Redemption

1 RP = Re. 1 for redemption against cash credit and 1 RP = 1 AirMile for redemption against partner airlines’ airmiles.

Travel

LoungeKey membership with complimentary lounge access per quarter, and  complimentary domestic lounge access under the MasterCard India lounge access program.

Golf

3 complimentary golf rounds and golf lessons every month with the exclusive golf program and 12 complimentary golf lessons & golf games every year with the Mastercard Golf program.

Domestic Lounge Access

2 complimentary domestic lounge access every quarter under the MasterCard Lounge access program

International Lounge Access

2 complimentary international lounge access every quarter with the LoungeKey membership

Insurance Benefits

Personal air-accident cover worth Rs. 2.5 crores, lost card liability protection from 48 hours prior to the time of reporting the loss of card.

Zero Liability Protection

Zero cost liability protection from 48 hours prior to the time of reporting the loss of card.

Fees & Charges

Joining Fee

Rs. 1,00,000 (annual fee of Rs. 10,000 to be paid in this case) or Rs. 2,00,000 (annual fee waived in this case)

Renewal Fee

Rs. 10,000 (if joining fee of Rs. 1,00,000 was paid), Nil (if joining fee of Rs. 2,00,000 was paid)

Spend based Waiver

Annual membership fee waived off on expenditure of Rs. 20,00,000 in the preceding year

Rewards Redemption Fee

Rs. 100

Rewards Redemption Fee

Rs. 100

Foreign Currency Markup

3.5% + GST

Interest Rates

2.99% per month (or 36% annually)

Fuel Surcharge

Waived for transactions between Rs. 400 and Rs. 4,000

Cash Advance Charge

2.5% of the advanced amount, subject to a minimum amount of Rs. 300

Add-on Card Fee

Rs. 10,000

Indusind Bank Crest Credit Card Rewards:

  • 2.5 Reward Points per Rs. 100 on all international spends.
  • 1 Reward Point per Rs. 100 on all domestic spends.

Reward Redemption:

  • The earned reward points can be redeemed against an array of options at Indusmoments.
  • Reward Points can be transferred to partner airlines’ AirMiles programs. 1 Reward Point = 1 AirMile.
  • Reward Points can be redeemed for cash credit (i.e. to pay your card bills). 1 Reward Point = Re. 1.

Travel Benefits:

  • Reward Points redeemable for AirMiles at partner airlines.
  • LoungeKey membership with 2 free international lounge visits per quarter per guest.
  • 2 complimentary domestic lounge access every quarter under the MasterCard India Lounge program.
  • 1 complimentary night stay with 2 nights’ stay (total 3 nights at the price of 2 nights), complimentary breakfast for two, late check-out, and a complimentary room upgrade at Oberoi hotels and resorts.
  • Premium airport services including a private lounge, chauffeured car, direct delivery to arrival lounge, etc

Dining Benefits

  • Discount on dining bills with Club ITC Culinaire membership.
  • Green Points is equivalent to 25% of the spends on the eligible food and beverages at ITC Hotels and Welcome Hotels.
  • 20% savings on dining bills at Fortune and WelcomHeritage Hotels.
  • 1,000 bonus Green Points on every accumulated spend of Rs. 25,000 on food and beverages (up to a maximum spend of Rs. 1,00,000).

Movie Benefits:

  • Buy one movie ticket from BookMyShow and get another ticket absolutely free. You can get a maximum of 3 tickets per month. Maximum discount capped at Rs. 700 (if the ticket price exceeds Rs. 700, the rest of the amount has to be paid with the card). Additional discount of Rs. 50 on selecting the F&B option.
  • 20% off on theatre and events bookings on BookMyShow (max discount capped at Rs. 700).

Golf Privileges:

  • 3 complimentary golf games and 3 golf lessons every month with the exclusive Golf Program.
  • 12 complimentary rounds of green fees and 12 complimentary golf lessons (3 per quarter) every year with the MasterCard golf Program.
  • 4 complimentary green fees for guests (not more than 1 per quarter).

Insurance Benefits:

  • Complimentary personal air-accident insurance cover worth Rs. 2.5 crores.
  • Lost card liability protection is applicable from up to 48 hours prior to the time of reporting the loss of the card.

How to apply:

You can apply for the credit card on the IndusInd bank’s official website. You will need a few documents including identity/address proof and proof of income for your application to be processed.

Customer Care:

In case you need any assistance or to report the loss of a card, you may dial IndusInd bank’s customer care number 1860 267 7777 from your registered phone number.

Conclusion:

Keeping all its benefits in mind (travel benefits in particular), and a high reward rate on both domestic as well as international spends, the Crest credit card by IndusInd bank, despite its high membership fee, can be considered a really attractive offering, at least for the high net-worth customers of the bank who don’t want to compromise with their lifestyle needs. That’s our take on this top-end offering by the IndusInd bank. What do you think about this credit card? Do let us know in the comments. And if you’re an existing customer, don’t forget to share your experience.

FAQs:

The IndusInd Reward Points are valid for 1 year from the date of accrual. Unsued points expire after 1 year.

No, you don’t get Priority Pass membership with this card. You get LoungeKey membership with 2 complimentary international lounge access with this card.

Yes, you get a personal air-accident insurance cover worth Rs. 2.5 crores (applicable only in case of loss of life) with this credit card.

Yes, this card does support contactless payments with the Visa payWave technology. You didn’t even have to enter the PIN for transaction of up to Rs. 5,000.

Comments

Subscribe
Notify of
guest
0 Comments
Inline Feedbacks
View all comments

Add cards to start comparing

Compare Cards