LifestyleAmerican ExpressEntryActive
IndusInd Bank ePay American Express Credit Card
IndusInd Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 27 Sept 2026
Reward Program
Reward Points1 point = ₹0.35
Redemption fee: 149
🔁
Managed via IndusMoments, Cash credit to card account
Transfer partners
Cash credit against card outstanding: ₹0.35 per point (bank card-page FAQ). ₹149 fee per cash redemption since 1 April 2025, and IndusInd imposed upper limits on cash redemption from 1 September 2024.Flights, hotels, air miles and vouchers via IndusMoments: per-point value not published. InterMiles redemption discontinued 21 January 2025.
Live Offers
No active offers for this card right now.
Benefits
⛽
Fuel Surcharge Waiver
Not stated for this card. The MITC lists a general 1% fuel surcharge waiver subject to product offering; the ePay page names none. Fuel spends above ₹30,000 per cycle attract a 1% + GST fee.
₹300🎁
Welcome Benefit
3-month Zomato Gold membership, one time in the first year: activation code valid 30 days from communication, not renewable
Insurance Cover
Counterfeit fraud cover (Total Protect)Not disclosed
Milestone Benefits
Spend ₹2,00,000/year1-year Times Prime membership₹1,199 total by this tier · 0.60% effective rate
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.5% |
| Interest Rate | 47.4% p.a. |
| Cash Advance Fee | 2.5% of the advance amount, minimum ₹300 |
| Reward Redemption Fee | 149 |
| Min Income Eligibility | IndusInd general criteria: Indian resident, 21–60 years, salaried or self-employed, net monthly income from ₹20,000 (varies by card). No card-specific threshold is published. |
