IndusInd Bank ePay American Express Credit Card
IndusInd Bank · Open to apply
A digital American Express card with nil fees whose points depend on how many transactions of ₹500 or more are made in a statement cycle (4 points each for the 1st to 4th, 8 for the 5th to 10th, 10 beyond), with 2X in the 12th month for holders active in the previous 11, 3 months of Zomato Gold and an early-payment cashback of 5% a year, pro rata to the interest-free days left when the total due is paid within 7 days of the statement.
- Annual fee
- Lifetime free
- Joining fee
- None
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 6 Nov 2026
Terms the calculator does not value
- The reward structure pays a fixed number of points per transaction by the transaction count in the cycle (minimum ₹500 a transaction), which the earn rules cannot express, so no earn rule is entered. Points redeem at ₹0.35 as cash credit or 3 points to an airmile. Also not entered: the 2X loyalty month, 3 months of Zomato Gold, Times Prime on ₹2 lakh of annual spend and the early-payment cashback (5% a year, worked out daily on the interest-free days not used: ₹50,000 paid 7 days after statement day gives 0.21%, ₹103).
Sources
- IndusInd Bank, IndusInd Bank ePay American Express Credit Card page (Product page, the bank's own, read 6 Nov 2026)