Rewards Zero Forex

CRED RuPay Credit Card

Name: CRED RuPay Credit Card
Brand: CRED

CRED

9.0

CardTrail Score

Outstanding

out of 10

💰 Net Value

6.5

🔓 Accessibility

8.7

⚡ Feature Depth

6.3

🏦 Bank Trust

6.5

How we score →

Compare This Card Full Details

Annual Fee

Free

Forex Markup

No extra charge

Reward Rate

Up to 5%

Lounge Access

domestic | 0 intl

About This Card

The CRED RuPay Credit Card is a rewards credit card from CRED with lifetime free. It offers a base reward rate of 1.0% with up to 5.0% on select categories. Key perks include zero forex markup, 4 complimentary lounge visits, fuel surcharge waiver. Best suited for rewards maximizers and everyday users.

Pros & Cons

Pros

No annual or joining fee
Competitive 1.0% reward rate
Zero forex markup — great for international use
Fuel surcharge waiver saves on petrol/diesel

Cons

Limited premium perks compared to paid cards
Reward redemption options may be restricted

Fee Details

Annual Fee

Free

Joining Fee

Free

Fee Waiver Condition

None

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

Max Rate

Currency

CRED Coins

Welcome Bonus

CRED membership benefits

Lounge Access

Domestic Lounges

per quarter

International Lounges

Key Highlights

+ Lifetime free — zero annual fee
+ Up to 5.0% rewards on accelerated categories
+ Zero forex markup on international spends
+ 4 domestic lounge visits per year

Compare With...

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