Updated On

IndusInd Bank, in association with American Express, has launched the new and exciting credit IndusInd Bank ePay Amex Credit Card. With an attractive welcome benefit of 3-Month Zomato Gold Membership, you earn increasing reward points after each set of transactions in a statement month. After the 10th successful transaction, you shall start earning ten reward points. These reward points can be redeemed for cash credit, air miles, flights, hotels and much more at Indus Moments. You will also get a Time Prime Membership worth Rs. 1199 on spending Rs. 2 lakh in a card anniversary year.

This is a virtual credit card and offers an added layer of security. You will no longer need to physically carry your card to make payments or worry about losing it. With the IndusInd Bank ePay Amex Credit Card, you can make digital payments easily. This card also rewards timely payments of credit card bills. Just pay your card statement within seven days of issuance to earn a cashback of 5%. Keep on reading for more information about this card.


Joining Fee


Renewal Fee


Best Suited For

Shopping |

Reward Type

Reward Points |

Welcome Benefits

 Free 3-Month Zomato Gold Membership 

Movie & Dining

3 Month Zomato Gold Membership

Rewards Rate

4 RPs from 1st to 4th Transaction, 8 RPs from 5th to 10th Transaction and After That 10 RPs for Each Transaction

Reward Redemption

RPs Can Be Redeemed for Cash Credit, AirMiles or at IndusMoments



Domestic Lounge Access


International Lounge Access




Insurance Benefits

Air Accident Cover up to Rs. 1 Lakh

Spend-Based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.5% of the Transaction Amount

Interest Rates

3.83% Monthly and 46% Annually 

Fuel Surcharge


Cash Advance Charges


  • This is a virtual credit card.
  • You will get a Zomato Gold 3-Month membership as a welcome benefit with this card.
  • You earn increasing Reward Points after a set of transactions, and after the 10th transaction in a statement cycle, you get 10 RPs on each transaction. 


  • With a certain number of successful transactions, you will earn more and more reward points and beyond the 10th transaction, you shall get 10 RPs. 
  • You will get a complimentary 3-Month Zomato Gold membership. 


  • One Reward Point is equal to Rs. 0.35 (Cash Credit Redemption), which is relatively low.
  • You do not get any complimentary lounge access with this credit card. 

IndusInd Bank ePay Amex Credit Card Features & Benefits

Given below are the features and benefits of this card.

Welcome Benefits – 3 Month Zomato Gold Membership

  • You can get unlimited free food delivery for orders Rs. 199 and above.
  • Get up to 30% discount with the Zomato membership on online orders.
  • Get VIP Access during peak timings.
  • Up to 40% off on dining partners across India.

Spend Based Rewards – Times Prime Membership

Spend Rs. 2 lakh in a card anniversary year to get a free Times Prime Membership worth Rs. 1199. You can activate the same by downloading the app and entering the voucher code received via SMS or e-mail.

Cashback on Early Payment of Credit Charges

You shall get 5% cash back annually each time you make the payment of your credit card bill within seven days of its generation.

IndusInd Bank ePay Amex Credit Card Rewards

With the IndusInd Bank ePay Amex Credit Card, you get to earn Reward Points uniquely.

  • Earn 4 Reward Points on the 1st to 4th transaction in a statement cycle.
  • Earn 8 Reward Points on the 5th to 10th transaction in a statement cycle.
  • Earn 10 Reward Points on each transaction after your 10th transaction in a statement cycle.
  • The minimum transaction value to be eligible for these Reward Points is Rs. 500.

Loyalty-Based Rewards Program

Keep making regular transactions on your IndusInd Bank ePay Amex Credit Card for 11 months and enjoy 2X Reward Points on the 12th month within a card anniversary year.

  • You will have to make at least one transaction each month for 11 consecutive months to be eligible for this.
  • Once eligible, you shall earn the following Reward Points.
Transactions 2X Reward Points
1st to 4th 8 Reward Points
5th to 10th 16 Reward Points
Beyond 10th Transaction 20 Reward Points

Reward Redemption

  • You can redeem your Reward Points for hotels, flights and more at IndusMoments.
  • You can also redeem your RPs for Cash Credit. 1 Reward Point = 0.35 Cash Credit
  • RPs can also redeemed for Airmiles. 3 Reward Point = 1 Airmile
  • Accelerated Reward Points can be redeemed in the next statement cycle.

IndusInd Bank ePay Amex Credit Card Review by Card Insider

The IndusInd Bank ePay Amex Credit Card is a virtual credit card launched recently by the IndusInd Bank. With this card, you stand to earn 10 RPs on each transaction after completing ten transactions in a statement cycle. Not only this, by making consecutive transactions for 11 months, you can also earn 2X Reward Points on every transaction, i.e. 20 RPs after every 10th transaction.

For foodies, this card offers a 3-Month Zomato Membership; what more could be asked for? What are your views on this latest offering by IndusInd Bank? Tell us in the comments below.


The Reward Points earned via the IndusInd Bank ePay Amex Credit Card carry a value of Rs. 0.35 if redeemed for Cash Points.

IndusInd Bank ePay Amex Credit Card



  1. Anmol Reply

    Could you please clarify the benefits I would receive for Zomato Gold Membership?

    • Kartik Kanwar Reply

      With Zomato Gold, you get free delivery and great discounts.

  2. Keerthi Reply

    Is this card lifetime free?

    • Kartik Kanwar Reply

      Yes, there are no annual or joining charges.

  3. Sravz Reply

    Is it life time free?

    • Kartik Kanwar Reply

      Yes, it is.

  4. Suvetha Reply

    Shall I get physical card?? Or only virtual card alone

    • Kartik Kanwar Reply

      Virtual card only.

  5. Suvetha Reply

    Can we upgrade this card to other variant??

    • Kartik Kanwar Reply

      No, this is a virtual card.

Write A Comment

Add cards to start comparing

Compare Cards