IndusInd Bank
IndusInd Bank ePay Amex Credit Card
Annual Fee
Lifetime FreeBase Reward
4% points
Foreign Markup
3.5% of the Transaction Amount
Welcome Benefits
3-Month Zomato Gold Membership
Product Highlights
- Virtual credit card
- Complimentary 3-Month Zomato Gold membership
Reward Calculator
Earns ₹480/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
1.9K
IndusInd Reward Points
₹480
via statement credit · ₹0.25/pt
Effective rate
0.31%
Annual fee
FREE
Year 1 net
+₹480
Year 2+ net
+₹480
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 4 Reward Points from 1st to 4th Transaction, 8 Reward Points from 5th to 10th Transaction, and 10 Reward Points for each Transaction thereafter.
- RPs Can Be Redeemed for Cash Credit, AirMiles or at IndusMoments
Benefits & Features
Up to 40% off on dining partners across India with Zomato Gold Membership.
Pros & Cons
Pros
- Earn more reward points with successful transactions
- Complimentary 3-Month Zomato Gold membership
Cons
- One Reward Point is equal to ₹0.35 (Cash Credit Redemption)
- No complimentary lounge access
Additional Info
This is a virtual card only.
Partner Merchants
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Fees & Charges
Eligibility
Networks