Many credit card geeks and expert have shared mixed but insightful reviews about its cashback benefits, reward caps, and limited perk. Some are seeing this just another hype and some are giving this the best card especially for UPI users and online shoppers.
User reviews for the CRED IndusInd RuPay credit card are mixed but insightful:
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Positives:
- Appreciated for the 5% cashback (CRED points) on e-commerce, CRED Pay, travel, and in-app UPI transactions, capped at 5,000 points/month.
- Popular as a ‘UPI cashback sticker’ because it offers 1% points on UPI scan & pay outside CRED, capped at 500 points/month, which many cards don’t provide.
- Users like the ability to redeem points on flights, hotels, and the CRED Store for 1 point = ₹1 value, which is a higher redemption rate.
- The card is considered useful for bill payments inside the CRED app with a lesser redemption value (points worth ₹0.50).
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Negatives:
- The cap on reward points is a major limitation; beyond ₹1 lakh monthly spend on capped categories, rewards stop accumulating.
- No fuel surcharge waivers, no lounge access, or movie benefits disappoint some users.
- The exclusion of certain spends like jewelry, rent (through external modes), wallet loads, education fees, and government spends means limited broader usability.
- Users emphasize it as a secondary card meant specifically for UPI and some bill payments rather than a primary all-rounder card.
Overall, users suggest combining it with other cards (like HDFC Swiggy for Amazon/Flipkart spends) to maximize benefits while using this card specifically for UPI cashback and select online spends.