Indusind Bank Crest Credit Card

The IndusInd Bank Crest Credit Card stands out as a high-end option designed specifically for sophisticated individuals who crave bespoke luxury and exclusive lifestyle perks. This prestigious card provides a host of unparalleled benefits, including access to airport lounges worldwide, concierge services, golf privileges, and personalized lifestyle rewards. Cardholders can also enjoy generous reward points on their everyday spends, which can be redeemed for a variety of luxury experiences, travel, and shopping vouchers. With its exquisite design and a focus on delivering a superior financial experience, the IndusInd Bank Crest Credit Card stands as a symbol of prestige and convenience for those who appreciate the finer things in life.

Key Highlights of Indusind Bank Crest Credit Card:

  1. Complimentary LoungeKey membership with access to airport lounges.
  2. Enjoy 2 free lounge visits per quarter, both in India and overseas.
  3. Airport Invitation services, including chauffeured pick-up and drop-off and a dedicated lounge for Customs & Immigration clearance.
  4. Club ITC Culinaire membership for exclusive dining experiences.
  5. Access to MasterCard Epicurean Experiences, offering culinary delights.
  6. Benefit from 3 free golf games and lessons per month.
  7. Participation in the MastercardĀ® Golf Program.
  8. VIP golfing experiences at courses through the TPC Network.
  9. Air Accident Cover of Rs. 2.5 crore for added security.
  10. Membership in Advance Medical, Texas Medical Concierge, and Max Healthcare for medical assistance and services.

Features and Benefits of Indusind Bank Crest Credit Card

The IndusInd Bank Crest Credit Card offers a range of exclusive features and benefits tailored for individuals who value luxury and convenience. Here are the key features and benefits of the IndusInd Bank Crest Credit Card:

  1. Lounge Access: Enjoy complimentary LoungeKey membership, providing access to airport lounges globally. Cardholders can avail of 2 free lounge visits per quarter, both in India and overseas.
  2. Airport Invitation Services: Experience VIP treatment at the airport with chauffeured pick-up and drop-off services. Enjoy access to a dedicated lounge for smooth Customs & Immigration clearance.
  3. Dining Privileges: Receive Club ITC Culinaire membership for exclusive dining experiences at select ITC Hotels and restaurants.
  4. Culinary Delights: Access MasterCard Epicurean Experiences, offering special culinary events and privileges at renowned dining establishments.
  5. Golf Privileges: Golf enthusiasts can benefit from 3 free golf games and lessons per month, along with participation in the MastercardĀ® Golf Program. Cardholders can also enjoy VIP experiences at golf courses through the TPC Network.
  6. Travel Benefits: The card offers a suite of travel benefits, including travel insurance coverage and discounts on airfare and hotel bookings.
  7. Air Accident Cover: Cardholders are provided with an air accident cover of Rs. 2.5 crore for added peace of mind during travel.
  8. Medical Assistance: Membership in Advance Medical, Texas Medical Concierge, and Max Healthcare provides access to medical assistance and services.
  9. Concierge Services: Enjoy personalized concierge services to assist with reservations, travel bookings, and other lifestyle needs.
  10. Reward Points: Earn reward points on your everyday spends, which can be redeemed for a variety of luxury experiences, travel, and shopping vouchers.
  11. Global Acceptance: The card is widely accepted both in India and abroad, making it convenient for international travel and purchases.
  12. Secure Transactions: Benefit from advanced security features, including EMV chip technology and SMS alerts for transactions, to safeguard against fraud.
  13. Exclusive Design: The card is elegantly designed to reflect its premium status, making a statement in your wallet.

Indusind Bank Crest Credit Card Fees and Charges

1. Annual Fee:

  • Nil if the Joining fee amount paid is Rs. 2 lakh
  • Rs. 10,000 if the Joining fee amount paid is Rs. 1 lakh

2. Add-on Card Fee: Rs. 10,000

3. Interest Charge: 2.99% per month (36% per annum)

4. Late Payment Charges:

  • Below Rs. 100: Nil
  • Between Rs. 101 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 1,000: Rs. 350
  • Between Rs. 1,001 to Rs. 10,000: Rs. 550
  • Between Rs. 10,001 to Rs. 25,000: Rs. 800
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300

5. Over Limit Charges: 2.5% of the over-limit amount, with a minimum of Rs. 500

6. Foreign Currency Mark-up: 3.5%

7. Card Replacement: Rs. 1,000

8. Emergency Card Replacement: Rs. 5,000

9. Emergency Cash Advance: USD 95

Eligibility criteria for the Indusind Bank Crest Credit Card

The criteria for qualifying for the IndusInd Bank Crest Credit Card can fluctuate based on the bank’s policies and prevailing regulations. Nonetheless, here are the standard requirements usually linked with applying for credit cards, particularly premium ones such as the IndusInd Bank Crest Credit Card:

  1. Age: Applicants are generally required to be within a certain age range, often between 21 years and 65 years. The age restriction may differ depending on the bank and the particular credit card offering.
  2. Income: Most premium credit card issuers, including IndusInd Bank, have a high minimum income requirement. This requirement ensures that applicants have a significant and stable source of income to meet the card’s financial obligations. The minimum income threshold for premium cards is typically substantial.
  3. Credit Score: A good to excellent credit score is essential for credit card approval, especially for premium cards. A higher credit score indicates responsible credit management and makes you a more attractive candidate. The specific credit score requirement can vary but generally falls within the “excellent” range.
  4. Residential Status: You must be a resident of India to be eligible for an Indian credit card. Non-resident Indians (NRIs) and foreign nationals may have different eligibility criteria for credit cards.
  5. Employment Status: Credit card issuers typically require applicants to be salaried individuals or self-employed professionals/business owners. Premium cards often require a high and stable income.
  6. Bank Relationship: Some banks may give preference to existing customers or account holders when approving credit card applications. Having an existing banking affiliation with IndusInd Bank could potentially be advantageous for you.
  7. Documentation: You will need to provide supporting documents, such as proof of identity (Aadhaar, passport, driver’s license), proof of address (utility bills, rental agreement), income proof (salary slips, income tax returns), and PAN card.
  8. Existing Credit Card Usage: Some banks may consider your existing credit card usage and payment history when evaluating your eligibility for a premium card.
  9. Other Factors: Additional factors like your employment history, job stability, and existing financial commitments may also be considered.

Documents Required for Indusind Bank Crest Credit Card

If you have an existing relationship with IndusInd Bank, you may receive a pre-approved credit card offer that eliminates the need for document submission. However, if you are new to IndusInd Bank, here is a list of the primary documents required to apply for a credit card:

  1. Identity Proof: Options for identification include a PAN Card, Aadhaar Card, Voter ID, Driving License, or Passport.
  2. Residence Proof: Aadhaar Card, Voter ID, Driving License, Passport, or Utility Bills.
  3. Income Proof: For salaried individuals, provide the latest salary slips; for self-employed individuals, furnish the last 2-3 years of
  4. Income Tax Returns (ITR) and an audited Balance Sheet.
  5. Last 6-month Bank Statement.
  6. Form 16 (for salaried individuals).

How to apply for Indusind Bank Crest Credit Card

To initiate the application process for the Crest Credit Card offered by IndusInd Bank, follow these detailed steps:

1. Access the Official Website:

  • Start by accessing the official website of IndusInd Bank. You can do this by entering “IndusInd Bank” in your web browser’s search bar or by directly typing the bank’s official URL.

2. Navigate to the Credit Cards Section:

  • Once you’re on the bank’s website, look for the “Credit Cards” section. This section is typically prominently displayed on the homepage or can be found within the “Products” or “Cards” menu.

3. Browse Credit Card Options:

  • In the “Credit Cards” section, you’ll find a list of available credit card options. Carefully review the cards offered to identify the “Crest Credit Card” or any similarly named premium card that you wish to apply for.

4. Click on the Crest Credit Card Option:

  • Click on the specific “Crest Credit Card” option to access detailed information about the card’s features, benefits, fees, and eligibility criteria.

5. Initiate the Application:

  • Once you’ve reviewed the card’s details and are ready to proceed, you’ll typically find an option to “Apply Now” or “Apply Online.” Click on this option to initiate the application process.

6. Complete the Online Application Form:

  • You’ll receive instructions to access an internet-based application form. Fill in all the required information accurately. This includes your personal details, contact information, employment information, income details, and any other relevant information as requested by the bank.

7. Document Submission:

As part of the application process, you’ll need to submit certain documents to support your application. These documents typically include:

  • Address/Identity Proof: This could be a copy of your Aadhaar card, passport, driver’s license, or any other government-issued ID that serves as proof of your identity and residential address.
  • Proof of Income: You may be required to provide proof of your income, such as salary slips, income tax returns, or other documents that demonstrate your financial stability.

8. Review and Confirm:

  • Prior to sending in your application, thoroughly examine all the details within the application form. Confirm its accuracy and entirety. Double-check that you’ve included all the required documents.

FAQs:

  1. What is the IndusInd Bank Crest Credit Card?
    • The IndusInd Bank Crest Credit Card is a premium credit card offering a range of exclusive benefits, privileges, and rewards for cardholders. It is designed for individuals who seek a luxurious and rewarding credit card experience.
  2. How can I apply for the IndusInd Bank Crest Credit Card?
    • To obtain the IndusInd Bank Crest Credit Card, you have two options: apply online via the official IndusInd Bank website or visit a nearby branch. The application entails completing an online form and furnishing required documentation.
  3. What distinguishes the IndusInd Bank Crest Credit Card?
    • The key features include access to airport lounges, concierge services, exclusive discounts on dining and shopping, reward points on transactions, travel benefits, and complimentary insurance coverage. Check the official website for the most up-to-date features.
  4. What are the eligibility criteria for the IndusInd Bank Crest Credit Card?
    • Eligibility standards may differ, but typically, candidates must satisfy specific income thresholds and maintain a favorable credit history. For precise information, individuals can refer to the bank’s official website or reach out to their customer support team.
  5. What is the annual fee for the IndusInd Bank Crest Credit Card?
    • The annual fee for the IndusInd Bank Crest Credit Card is subject to change and can be confirmed at the time of application. Some credit cards may offer fee waivers or promotional offers, so it’s advisable to check the latest information.
  6. How does the reward points system work on the Crest Credit Card?
    • The reward points are typically earned on eligible transactions and can be redeemed for a variety of options, including travel bookings, merchandise, and gift vouchers. The exact reward structure and redemption options are available in the card’s terms and conditions.
  7. Does the IndusInd Bank Crest Credit Card incur any fees for international transactions?
    • The charges for international transactions, including foreign currency conversion fees, can be found in the card’s terms and conditions. It’s recommended to be aware of these charges before using the card internationally.
  8. What kind of insurance coverage does the IndusInd Bank Crest Credit Card provide?
    • The IndusInd Bank Crest Credit Card may offer complimentary insurance coverage, including travel insurance and purchase protection. The specific coverage details and terms can be obtained from the bank or through the card’s insurance documentation.
  9. How do I contact customer support for the IndusInd Bank Crest Credit Card?
    • You can contact the IndusInd Bank customer support through the helpline number provided on the back of your credit card or by visiting the official website for contact information. They can assist you with queries, concerns, or information regarding your Crest Credit Card.
  10. Is it possible for me to monitor my IndusInd Bank Crest Credit Card transactions through online means?
    • Yes, you can typically track your credit card transactions, check your balance, and view your statements through the IndusInd Bank online banking portal or mobile app. Ensure you are registered for online banking to access these services.