IndusInd Bank
LED buttons on the card itself let you choose EMI, reward points or credit at the terminal. ₹10,000 to join, then nothing; lounge visits are pay-per-use.
Reward points
No ₹-per-point redemption value is stated anywhere. Cash redemption capped at 2,500 points/calendar month. A distinctive physical feature: LED buttons on the card let the cardholder choose at point-of-sale between "Pay with EMI" (12% interest, 6/12/18/24-month tenors), "Pay with Reward Points," or "Pay with Credit." Also includes a Buy-One-Get-One movie ticket offer via BookMyShow, up to 2 free tickets/month, each capped at ₹200. Priority Pass is available only on request, not complimentary, with a per-visit usage fee up to $35.
Taken from IndusInd Bank's own published terms. Last verified 31 August 2026
IndusInd Bank
5% back on e-commerce and CRED app spend, 1% elsewhere, with every point worth ₹1 at CRED's own merchants, flights and hotels. ₹499 a year.
IndusInd Bank
Pays per transaction rather than per rupee — 4 to 10 points on every spend above ₹500, worth ₹0.35 each. Lifetime-free, with three months of Zomato Gold.
IndusInd Bank
12 Smiles per ₹100 at Jio-bp pumps and EV chargers, and 5 on dining and groceries. Smiles come off a fuel bill at Jio-bp and nowhere else.
