An Overview of the IndusInd ePay American Express Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

8 Jan 26
3 mins

Shreyansh Singh

08 Mins
08-01-26

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Table of Contents

IndusInd ePay Amex Credit Card Benefits
IndusInd ePay Amex Credit Card Fees and Charges

Key Takeaways:

Unlock 2X reward points in the 12th month of card usage.
Get a complimentary 3-month Zomato Gold membership.
Unlock a 1-year Times Prime membership on annual spends of ₹2 lakh.

Consistency unlocks greater value with the Induslnd epay American Express Credit Card. Maintain card activity for 11 months and earn 2X reward points in the 12th month on spends above ₹500.

Earn 8 reward points on the first 4 transactions, 16 points on the next 6 and 20 points beyond that in each statement cycle.

This value-driven design sets the tone for the card’s benefits and helps you evaluate its overall suitability.

IndusInd ePay Amex Credit Card Benefits

IndusInd ePay American Express Credit Card

Security and assurance form the foundation of every benefit. Total Protect safeguards you against counterfeit fraud, while personal air accident insurance covers up to ₹1 lakh.

Built on this strong base, the Induslnd ePay American Express Credit Card extends rewarding privileges across spending, dining and entertainment.

Unique Rewards Benefit

Earn reward points on every eligible transaction above ₹500. Get 4 points on the first 4 transactions in a statement cycle. Earn 8 points on transactions 5 to 10. Receive 10 points beyond the tenth transaction.

Zomato Gold Membership

Enjoy a complimentary 3-month Zomato Gold Membership. Get free delivery on orders above ₹199, up to 30% extra savings on online orders, VIP access during rush hours and up to 40% savings at partner restaurants.

Entertainment Benefits

Unlock a Times Prime membership worth ₹1,199 for one year on spends of ₹2 lakh within the anniversary year.

IndusInd ePay Amex Credit Card Fees and Charges

The ePay American Express Credit Card does not carry any joining or annual fees. However, certain charges are levied on the card, such as:

Parameters	Charges
Interest Charges	3.95% (monthly); 47.40% (annually)
Late Payment Charges	₹100 to ₹1,300, depending on the amount
Card Reissue or Replacement	NA
Cash Advance Charges	2.5% (min. ₹300)
Balance Enquiry on Non-IndusInd ATMs	₹25

Irrespective of how many and what cards you have, it is important to manage your credit cards well. Download the Pice App. Link all your credit cards and seamlessly set payment reminders and pay your bills through the app.

Footnotes:

Each Reward Point carries a value of ₹0.35 when redeemed against the outstanding card balance.
There is no upper limit on Reward Points earned within a statement cycle.

FAQs

How do I activate the Zomato Gold Membership?

Open the Zomato app and visit your profile section. Select Zomato Gold, enter the coupon code shared through email or SMS and confirm to activate the membership.