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CRED IndusInd RuPay lifts 500-point cap — 1% back

CRED IndusInd Bank RuPay Credit Card now earns 1% back on scan-and-pay with no cap, effective 11 August 2026. The card's reward rate remains unchanged but now has a ₹100 minimum transaction for any earn.

Written from our tracker data

What changed

Better for you

Improvement · IndusInd Bank

Before

UPI scan-and-pay through CRED: 1% back, capped at 500 CRED Reward Points a statement cycle

After

Scan-and-pay through CRED: 1% back with no cap; spends under ₹100 earn nothing; 8-category exclusion list now printed

See it with every other change

The card this affects

IndusInd Bank’s CRED IndusInd Bank RuPay Credit Card has removed the 500-point cap on scan-and-pay earn through CRED, effective 11 August 2026. Before, UPI scan-and-pay through CRED earned 1% back, capped at 500 CRED Reward Points a statement cycle. Now it earns 1% back with no cap, but spends under ₹100 earn nothing, and an 8-category exclusion list is now printed. The card’s product page carries the revision, replacing the 500-point-a-cycle ceiling it printed through July 2026. The excluded categories are transport and tolls, fuel, loans and EMI, online education, government, wallet loads, rent and jewellery.

Our take: if you scan-and-pay through CRED with this card, the ceiling is gone, so big UPI months now earn in full. Batch anything under ₹100 onto another card, and keep rent, fuel and wallet loads off this one: they earn nothing.

More on this story

  1. IndusInd launches ODCC Linked Credit Card for OD/CC borrowers

  2. The quiet fee lines: five issuers' transaction-fee and forex changes your statement already shows

  3. IndusInd's top cards now need ₹5 lakh a quarter to open a domestic lounge

  4. IndusInd Pioneer Legacy lounge visit now ₹1.5 lakh spend

  5. IndusInd doubles its DCC fee to 2% on its mass-market cards

  6. IndusInd doubles DCC fee to 2% on mass shelf

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Sources

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