India, Sept. 18 -- It is so clear that fintechs in India are doing more to think out of the box with credit card reward structures and specific use-case value, than traditional banks. We've talked about some of these co-branded credit card efforts a few weeks ago, you may remember, and then as well fintechs including PhonePe and BharatPe figured prominently. There are more, but I'll focus our attention this week on CRED, which has partnered with IndusInd Bank for what is called the CRED IndusInd Bank Rupay Credit Card, and a Sovereign credit card that's apparently made of 18-carat gold. "Take a good look at it because you will probably not see it again," the words of CEO Kunal Shah. Think American Express Centurion? You're new to the game...