CRED IndusInd Bank RuPay Credit card

Overview

Get Platinum Visa Credit Card - IndusInd Bank

Overview

5% back as CRED Reward Points on E-commerce transactions*

5% back as CRED Reward Points on transactions done on CRED*

1% back as CRED Reward Points on Scan & Pay transactions through CRED

1% back as CRED Reward Points on Insurance and Utility bills paid via CRED*

1% back as CRED Reward Points on all other transactions*

Credit Card enabled on UPI

*T & C apply

The CRED IndusInd Bank RuPay Credit Card brings together premium privileges and accelerated rewards, designed to enhance your lifestyle. Enjoy seamless transactions, exclusive benefits and value on every spend.

Rewards

Earn big on each spend using your credit card for Travel, Shopping, Bill Payments, UPI and more

Modes		Reward Points
Online		Earn 5% back as CRED Reward Points ****
CRED	CRED pay, CRED travel , CRED store and Gift Cards on CRED	Earn 5% back as CRED Reward Points****
	CRED UPI Online	Earn 5% back as CRED Reward Points
	CRED UPI Scan & Pay	Earn 1% back as CRED Reward Points**
	Utilities and Insurance	Earn 1% back as CRED Reward Points***
Earn 1% back as CRED Reward Points on all other transactions.

* Terms & Conditions apply

Minimum transaction value for earning rewards is Rs. 100.

Earn 1% back as CRED Reward Points on all international transactions.

**No capping on CRED Reward Points on Scan and Pay (applicable 11th Aug onwards).

****Not more than 5000 CRED Reward Points can be earned at the accelerated reward run rate of 5% in a statement cycle.

***Transactions done on Utility and Insurance outside CRED will not earn any CRED Reward Points.

****Transactions done on Gift Cards and Travel outside CRED will earn 1% reward points.

No reward points will be earned on spends done on transportation & tolls, fuel, loan and EMI, and online education payments, payments to government institutions/services/charges, wallet loads, rent, and jewellery.

CRED Reward Points will be valid for 24 months.

Click here to know more about the exclusion.

CRED IndusInd Bank RuPay Credit Card

Benefits of Platinum Master Credit Card - IndusInd Bank

Pay Now with UPI on your CRED IndusInd Bank RuPay Credit Card

Link your RuPay Credit Card to UPI in Few Steps

Step 1: Open your CRED or other UPI applications.

Step 2: Select the option to Add Credit Card/Link Credit Card

Step 3: Select Credit Card Issuer Bank (IndusInd Bank)

Step 4: Select your CRED IndusInd Bank RuPay Credit Card

Step 5: Proceed to generate UPI PIN

Set UPI Pin

Step 1: Select CRED IndusInd Bank RuPay Credit Card

Step 2: Enter RuPay Credit Card Details

Step 3: Enter OTP and Set PIN of your choice

Making UPI Payments with your CRED IndusInd RuPay Credit Card

Scan Merchant QR Code or enter Merchant UPI ID
Enter Amount to be paid or pay auto-fetched amount
Select CRED IndusInd Bank RuPay Credit Card from the list of payment options
Enter UPI PIN of your Credit Card & Click Confirm

Click here for FAQs for UPI on CC.

Total Protect:

Our main aim is to make cashless transactions safe and secure for all our customers. Hence, we have introduced ‘Total Protect' - a first-of-its-kind programme that covers you for an amount equal to the credit limit on your card and is also available on add-on cards.

Total Protect covers you for the following:

Unauthorised transactions in case of loss/theft of card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your card.
Counterfeit fraud: There is a possibility of your card or card details to be stolen and misused to produce counterfeit cards. We offer you insurance to protect you against such incidents.

Click here for T&Cs of the applicable insurance policy.

Enjoy 1% fuel surcharge waiver* across all fuel stations in India.

This waiver is applicable for all fuel transactions between ₹ 500 to ₹ 5000 only.

*Click here for Fuel Surcharge waiver T&C

Click here to view the Most Important Terms and Conditions

Click here to view the Card Holder's Agreement

CRED IndusInd Bank RuPay Credit Card is a co‐branded credit card issued by IndusInd Bank in partnership with Dreamplug Technologies Private Limited widely known as CRED. There is a revenue sharing arrangement between IndusInd Bank & Dreamplug Technologies Private Limited for this co‐branded credit card.

RuPay Credit Card on UPI with Biometric Authentication

A Simpler and More Secure Way to Pay

RuPay Credit Card on UPI with Biometric Authentication brings a new level of convenience and security to digital payments. Instead of entering a UPI PIN, customers can authenticate UPI payments using the device built-in biometric unlock method, such as fingerprint and face recognition. This helps make payments faster, easier and secure.

Fast and convenient payments using fingerprint or face recognition
Reduced dependency on remembering and entering UPI PINs
Enhanced security with device-based biometric verification
Seamless and intuitive payment experience
Protection against risks associated with PIN sharing and phishing
Quick checkout for everyday UPI transactions

Enable and Pay with Biometric:

Step 1: Link your RuPay Credit Card to a preferred UPI App.
Step 2: Navigate Biometric payment settings in the UPI app, select RuPay Credit Card.
Step 3: Provide consent and click on enable/activate/setup depending upon option available on UPI Apps..
Step 4: Enter your UPI PIN related to the selected RuPay Credit Card.
Step 5: Done! Start making future UPI payments using biometric authentication.

Disable Biometric:

Step 1: Open your preferred UPI App supporting this feature..
Step 2: Navigate Biometric Payment setting in the UPI App, select RuPay Credit Card for which you want to disable biometric payment or switch to UPI PIN.
Step 3: Click on Disable or De-activate depending upon option available on UPI Apps.
Step 4: Done! Now you have switched to normal UPI PIN.

What is Biometric Authentication?
It allows UPI payments to be authenticated using fingerprint ,fingerprint or face recognition instead of entering a UPI PIN.
Why should you use biometric authentication for UPI payments?
Biometric authentication offers faster and seamless payments, enhanced security, reduced risk of UPI PIN exposure.
Is it secure?
Yes. Biometric data is stored securely on your device and is never shared with the UPI App, Bank, or NPCI. The app only receives confirmation of successful authentication.
Do I need a compatible smartphone?
Yes, the device must support biometrics and have a biometric method registered.
Can I disable this feature later?
Yes, you can disable it from the supported UPI app settings.
Which biometrics are supported?
Supported biometrics depend on your device and may include fingerprint or , Face ID.
Can I use biometrics for all UPI transactions?
No, biometric authentication is generally available for transactions up to ₹10,000. Amounts above this limit require a UPI PIN.
What happens if biometric authentication fails?
You can complete the transaction by entering your UPI PIN.
Does biometric authentication work after changing my phone?
No. Biometric authentication must be re-enabled on a new device using above mentioned process.
Does biometric authentication work after changing my UPI PIN?
No. Biometric authentication must be re-enabled after changing UPI PIN using above mentioned process.
What if I have not used UPI for 90 days?
Your biometric will be disabled in case of you are inactive for 90-days (not even used UPI PIN). You can enable it again following the above-mentioned process.
What should I do if my phone is lost or stolen?
If your phone is lost or stolen or someone gains possession, transactions cannot be made without your Fingerprint or Face ID. In case of any suspicion, IndusInd Bank recommend to immediately contact IndusInd Bank representative at 1860 267 7777 (India) / +91 22 68577777 / 022 4220 7777 (International).

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