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.