Indulge Credit Card
Rs 10,000Annual fee
24Domestic lounge
Domestic lounge conditions
- 6 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of ₹5,00,000 in the previous quarter to unlock access)
- 4 complimentary international lounge visits per calendar quarter via Priority Pass
1.8%Forex markup
Best for
Travel, Lounge, Golf, Luxury
Top rewards
Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100
Crest Credit Card
Rs 10,000Annual fee
Rs 10,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of ₹5,00,000 in the previous quarter to unlock access)
- 2 complimentary international lounge visits per calendar quarter via LoungeKey
1.8%Forex markup
Best for
Luxury, Travel, Lounge, Golf, Wellness
Top rewards
Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100
| Feature | Indulge Credit Card | Crest Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | IndusInd Bank |
| Network | Visa Infinite | Mastercard, Visa |
| Joining fee | Rs 75,000 | Rs 75,000 |
| Annual fee | Rs 10,000 | Rs 10,000 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, Lounge, Golf, Luxury | Luxury, Travel, Lounge, Golf, Wellness |
| Top reward categories | Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100 | Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 24 | 8 |
| International lounge | 16 | 8 |
| Forex markup | 1.8% | 1.8% |
| Milestone benefits | Luxury welcome benefits at fee payment, High-touch concierge and premium travel programme | Annual fee reversed if spends during the period are ₹10,00,000 or more, Premium golf programme revised to 2 complimentary games and 2 lessons per month effective March 2026 |
| Redemption | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.7 per point | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.7 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |