🕒 Last updated on: October 12, 2025
Cred Launches 18 Carat Gold Credit Card: Sovereign for the Ultra-Wealthy
Kunal Shah’s Cred launches 2 credit cards for its users. The fintech brand trusted by India’s top credit scorers, has raised the bar for luxury in finance. In collaboration with IndusInd Bank, the company has unveiled Sovereign, an invite-only 18-Carat Gold Credit Card.
This exclusive launch is part of Cred’s new “Yosemite” release, which goes beyond bill payments to offer premium lifestyle benefits, wealth-building tools, and luxury travel privileges. Along with that, they have also introduced an IndusInd Cred RuPay Credit Card available for all its users.
Before we begin, if you haven’t signed up for the Cred App yet then you can signup for the app with our Cred Invite Link.
Sovereign Card: What Makes It Special?
The Sovereign card isn’t just a symbol of wealth—it’s a gateway to an elite lifestyle. Issued on the RuPay EKAA platform with IndusInd Bank, the card comes packed with rare privileges:
Key Benefits of the Sovereign Card
Luxury Concierge Services
Access private jets, helicopters, and yachts, along with priority visa concierge services.Exclusive Access to Global Events
VIP entry to Wimbledon, the Olympics, Formula One races, and world-famous fashion weeks in Paris, Milan, London, and New York.Private Cultural Access
On-demand, private tours of renowned museums and art galleries across the globe.Premium Investment Opportunities
Syndicated access to early-stage startup deals alongside top angel investors.Elite Airline & Hotel Status
Complimentary upgrades to Singapore Airlines Solitaire, Emirates Platinum, Hilton Diamond, and Marriott Ambassador.Health & Wellness
Global medical coverage, international telemedicine, and a 1-year subscription to Bryan Johnson’s Blueprint longevity program.
Cred’s Wider Play: Not Just for the Ultra-Rich
Alongside Sovereign, Cred also introduced a co-branded IndusInd Bank RuPay credit card for a broader audience.
Benefits of the Cred-IndusInd Credit Card
No Joining Fee
5% rewards on online purchases
1% rewards on offline & UPI payments via Cred Scan & Pay
Every Reward Point is equal to a rupee and can be redeemed across more than 500 CRED Pay merchants, 2000 products on CRED Store, flights, and more.
Similar Co-branded Cards: 5% Cashback on Online Spends
FAQs on Cred’s 18 Carat Gold Credit Card
1. Who can get Cred’s 18 carat gold credit card?
The Sovereign, Cred’s 18 Carat Gold Credit Card is invite-only and aimed at India’s ultra-wealthy with high credit scores.
2. Is there a joining fee for the Sovereign card?
Cred hasn’t disclosed the fee, but given its exclusivity, it is expected to be premium.
3. What makes the Sovereign card different?
Unlike regular credit cards, it offers access to private jets, VIP global events, startup investments, and elite travel memberships.
4. Can I apply for the Sovereign card?
No. It’s invitation-based only. Cred will reach out to select members who qualify.
5. What about regular users?
Cred has also launched a free co-branded IndusInd credit card with 5% rewards on online shopping.
Final Thoughts
With the launch of Sovereign, Cred is redefining what luxury in finance looks like. The 18-carat gold credit card isn’t just about its shiny appeal—it’s a ticket to an ultra-exclusive world of privilege.
At the same time, Cred is broadening its appeal with a lifetime free rewards (RuPay) credit card, fixed deposits, and digital gold investments, making its ecosystem useful for both the ultra-rich and everyday users.
But if you haven’t signed up for the Cred App yet you can signup with our invite link shared below.
We hope you liked this blog post and we would recommend you to also read our blog Best Credit Cards for Shopping | Top 4 Co-branded Credit Cards.
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