MyFinCards
ePay Amex Credit Card

Joining Fee

₹1,000

Annual Fee

Rs. 1000 + Taxes

IndusInd Bank
Rewards
Cashback
Lifestyle
Best For: Frequent digital/cashless spenders, Zomato users, Customers who pay bills early

ePay Amex Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.35

Pros

  • Unique transaction-based tiered rewards (up to 10 points per transaction)
  • Complimentary 3-month Zomato Gold membership
  • 5% cashback on early payment of total outstanding
  • 2X reward points bonus in loyalty anniversary month
  • Times Prime Membership on Rs 2 lakh annual spend
  • Counterfeit fraud insurance up to credit limit

Cons

  • Minimum transaction value of Rs 500 required to earn reward points
  • Zomato Gold membership is a one-time benefit in first year only
  • 2X rewards require 11 consecutive active months
  • InterMiles redemption discontinued from 21 January 2025

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward Points capped up to credit limit per statement cycle

Early payment cashback requires payment within 7 days of statement generation

Accelerated reward points credited in next statement cycle, not current

Zomato Gold activation code valid only 30 days from communication

Key Benefits & Features

Detailed benefits inside

Notable Exclusions

Minimum transaction value of Rs 500 required to earn reward points

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About ePay Amex Credit Card

The IndusInd Bank ePay American Express Credit Card is designed to reward digital and cashless spenders through a distinctive transaction-based rewards program. Cardholders earn up to 10 Reward Points per transaction within a statement cycle, with points scaling based on spending frequency — 4 points for the 1st to 4th transaction, 8 points for the 5th to 10th, and 10 points beyond that. Each Reward Point is valued at Rs. 0.35 for cash credit redemption, and points can also be redeemed for Airmiles, flight bookings, and hotel stays through the IndusMoments portal. Loyalty is further rewarded through a bonus program that grants 2X Reward Points on all spends in the 12th month of an anniversary year, provided the cardholder remains active for the preceding 11 months. Spending Rs. 2 lakhs in an anniversary year unlocks a complimentary Times Prime Membership, while new cardholders receive a 3-month Zomato Gold Membership offering free delivery, dining discounts, and VIP access. A standout feature is the 5% annual cashback on the total outstanding amount when paid within 7 days of statement generation, rewarding financial discipline. The card also includes a Total Protect insurance program covering cardholders against counterfeit fraud up to their credit limit, making it a secure and rewarding choice for frequent digital spenders.

Expert Review

Our Verdict

Transaction-based rewards card with up to 10 pts/txn, Zomato Gold membership & 5% early payment cashback.

Frequently Asked QuestionsAbout ePay Amex Credit Card

REWARDSWhat is the Rewards program on the IndusInd Bank ePay American Express® Credit Card?
The Rewards program is a unique transaction-based program specially designed to cater to your lifestyle needs. You will earn Reward Points when you use the ePay Credit Card. The value of each Reward Point is ₹0.35 when you redeem them against the outstanding in your card account. Reward Points can also be redeemed for Airmiles, flight bookings, hotel bookings, and more through IndusMoments at www.indusmoments.com.
REWARDSWhat is the maximum number of Reward Points I can earn in a month?
There is a cap up to the credit limit on the Reward Points that a cardholder can earn in a statement cycle. Your points earning depends on your spends. The tiered structure allows you to earn 4 points per transaction for the 1st to 4th transaction, 8 points for the 5th to 10th transaction, and 10 points for every transaction beyond the 10th in a statement cycle. A minimum transaction value of Rs 500 is required to earn reward points.
USAGEHow can I enroll in the Zomato Gold Membership?
To enroll in Zomato Gold Membership, download the Zomato App, go to your profile, navigate to Zomato Gold, click on 'Apply coupon code', enter the code received through email or SMS and click 'Apply', then click 'Join Gold Now'. The activation codes are valid for 30 days from the date of communication, and the membership is valid for 3 months from the date of activation.
BENEFITSWhat is the validity of the Zomato Gold Membership and the coupon code?
The Zomato Gold Membership is provided as a one-time benefit only during the first year of card membership. The activation codes are valid for a period of 30 days from the date of communication, and the membership validity is 3 months from the date of activation of the code. The membership will not be extended or renewed under any circumstances.
OTHERWhere can I write for my queries regarding the ePay American Express Credit Card?
For any queries related to your IndusInd Bank ePay American Express® Credit Card, you can reach out to the bank's priority customer care team via email at priority.care@indusind.com. You can also visit IndusInd Bank branches, use the IndusInd Bank Mobile App (INDIE), or contact customer service through WhatsApp Banking or Video Branch for assistance.
REWARDSHow does the 2X Loyalty Bonus Rewards program work?
To earn 2X Reward Points, you must keep your ePay Card active for 11 consecutive months by making at least one transaction of minimum Rs 500 each month within an anniversary year. In the 12th month, you will earn double reward points on all spends — 8 points for the 1st to 4th transaction, 16 points for the 5th to 10th transaction, and 20 points beyond the 10th transaction. For example, if your card issuance date is 1st January, be active from January to November, and earn 2X points in December.
BENEFITSHow does the 5% early payment cashback benefit work?
The ePay American Express® Credit Card offers 5% cashback annually when you pay the total outstanding due amount within 7 days of statement generation. This is a reward for early and complete payment of your credit card bill. The cashback is credited annually and encourages responsible and timely payment behavior. This is one of the standout financial benefits of the card.
BENEFITSHow can I earn the Times Prime Membership benefit?
You can earn a complimentary Times Prime Membership worth Rs 1,199 by spending Rs 2 lakh or more in an anniversary year on your IndusInd Bank ePay American Express® Credit Card. The membership is valid for 1 year and provides access to premium Times Prime benefits. For enrollment process and detailed terms and conditions, refer to the official IndusInd Bank credit card page.
BENEFITSWhat fraud protection does the ePay American Express® Credit Card offer?
The ePay American Express® Credit Card comes with 'Total Protect', a first-of-its-kind insurance program that covers you for an amount equal to your credit limit. It specifically covers counterfeit fraud — situations where your card or card details are stolen and misused to produce counterfeit cards. This coverage ensures that cashless transactions remain safe and secure for all cardholders.
USAGEHow can I redeem my Reward Points earned on the ePay American Express® Credit Card?
Reward Points earned on the ePay American Express® Credit Card can be redeemed in multiple ways: as cash credit against your outstanding balance (1 Reward Point = ₹0.35), as Airmiles including KrisFlyer miles (3 Reward Points = 1 Airmile), or for flight and hotel bookings. Redemption is done through IndusMoments at www.indusmoments.com. Please note that redemption towards InterMiles has been discontinued effective 21st January 2025.
FEESAre there any joining or annual fees for the ePay American Express® Credit Card?
The IndusInd Bank ePay American Express® Credit Card is available with no joining fee and no annual fee, making it a lifetime-free credit card. This means you can enjoy all the rewards, cashback, and lifestyle benefits offered by the card without worrying about paying any annual membership charges. This makes it an attractive option for those looking for a zero-fee rewards card.
REWARDSWhat is the minimum transaction value required to earn Reward Points?
To earn Reward Points on the IndusInd Bank ePay American Express® Credit Card, each transaction must have a minimum value of Rs 500. Transactions below this threshold will not qualify for reward points under the tiered transaction-based rewards structure. This minimum applies both to the standard reward program and the 2X Loyalty Bonus Rewards program during the 12th anniversary month.
BENEFITSWhat are the benefits of Zomato Gold Membership provided with the ePay Credit Card?
The complimentary 3-month Zomato Gold Membership offered with the ePay American Express® Credit Card includes: unlimited free delivery on all orders with a minimum order value of Rs 199, on-time guaranteed delivery, up to 30% extra off on online orders, VIP access during rush hours, up to 40% off at dining partner restaurants across India, and access to Zomato Legends. This membership is a one-time benefit available exclusively in the first year of card membership.
APPLICATIONHow do I apply for the IndusInd Bank ePay American Express® Credit Card?
You can apply for the IndusInd Bank ePay American Express® Credit Card online through the IndusInd Bank official website or via the INDIE Mobile App. The bank offers a 100% digital process with instant approval for credit cards. You can also visit the nearest IndusInd Bank branch for assistance. Look for the 'Apply for Credit Card' option on the website to start your application.
REWARDSAre accelerated reward points credited immediately or in the next statement cycle?
Accelerated Reward Points earned on the IndusInd Bank ePay American Express® Credit Card are not credited immediately. They will be credited in the next statement cycle after the qualifying transactions are made. It is important to keep this in mind when planning your redemptions, as the points may not reflect in your account right away but will be updated in your subsequent monthly statement.

Related Rewards Cards

Explore other premium credit cards that offer similar benefits and rewards.

View all Rewards cards
811 Dream Different Credit Card
RewardsCashbackFuel

811 Dream Different Credit Card

Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal

Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application

Joining Fee
N/A
Annual Fee
Rs. 0 + Taxes
ACE Credit Card
Rewards

ACE Credit Card

Detailed benefits inside

Joining Fee
₹499
Annual Fee
₹499
Adani One Platinum
TravelLifestyleRewardsFuel

Adani One Platinum

2 instances of Valet Parking annually at Adani-managed airports

2 instances of Premium car parking on card activation

Joining Fee
₹750
Annual Fee
₹750

More from IndusInd Bank

Discover the full range of credit cards offered by IndusInd Bank to find the perfect fit for your finances.

View all IndusInd Bank cards
Celesta Credit Card
LifestyleRewards

Celesta Credit Card

Visa Infinite Benefits included

Joining Fee
₹1,000
Annual Fee
₹1,000
Club Vistara Explorer Credit Card
TravelRewardsLifestyle

Club Vistara Explorer Credit Card

Complimentary Club Vistara Gold membership (first year): priority check-in, boarding, additional baggage allowance, priority baggage handling

Welcome benefit: Complimentary Business Class ticket voucher + Gift Vouchers worth INR 25,000 on payment of joining fee

Joining Fee
₹40,000
Annual Fee
₹10,000
CRED IndusInd Bank RuPay Credit Card
RewardsShoppingLifestyle

CRED IndusInd Bank RuPay Credit Card

Credit card enabled on UPI via RuPay network. Link to any UPI app and pay via Scan & Pay or UPI ID.

Joining Fee
₹1,000
Annual Fee
₹1,000