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CRED (via SBM Bank)

CRED Mint Amex

AmexMidCashback
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Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹25,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

cred store5%(cap ₹1,000)

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkAmerican Express

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✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸1% base cashback
  • ▸5% on CRED store purchases
  • ▸4 domestic lounge visits/year
  • ▸LTF — invite-only for CRED members

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹12,000

Effective Rate

1.0%

Ranked #56 of 173 cards#56

🏷️ Best For

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