American Express Network Privileges & Accelerated Digital Wallet Rewards
₹500
One-time upfront₹500
Waived on ₹50,000 annual spend4 RPs from 1st to 4th Transaction, 8 RPs from 5th to 10th Transaction and After That 10 RPs for Each Transaction
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndusInd Bank ePay Amex Credit Card is a unique co-branded digital payment instrument operating on the global American Express network rail. Its primary advantage is accelerated rewards on digital financial transactions: unlike most bank cards that exclude prepaid wallet reloads entirely, the ePay Amex card rewards digital wallet loads, utility bills, and e-commerce shopping with 2 reward points per ₹100 spent (approx. 0.70% value return). Cardholders also gain access to curated American Express Selects dining privileges, offering up to 20% discounts across partner fine-dining restaurants. The card carries an annual fee of ₹500, which is completely waived upon spending ₹50,000 annually. Limitations include lower merchant acceptance compared to Visa or Mastercard in small offline Tier-3 retail outlets, lack of airport lounge access, and standard finance charges of 3.50% per month (42.0% annually). For online shoppers and wallet power-users who want American Express perks at an accessible price point, the ePay Amex card delivers distinctive utility.
4 RPs from 1st to 4th Transaction, 8 RPs from 5th to 10th Transaction and After That 10 RPs for Each Transaction
Free 3-Month Zomato Gold Membership
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Spends | 3 Reward Points per Rs 100 on online purchases (0.75% value return) | No Cap | Standard terms apply |
| Other Spends | 1 Reward Point per Rs 100 on other retail spends (0.25% value return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Spends | ₹12,000 | 3 Reward Points per Rs 100 on online purchases (0.75% value return) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 1 Reward Point per Rs 100 on other retail spends (0.25% value return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for IndusInd Bank ePay Amex Credit Card: • Network Infrastructure: Issued on the global American Express network, featuring Amex Selects dining offers. • Joining & Annual Fee: ₹500 + GST; annual renewal fee waived on cumulative annual retail spends of ₹50,000 or more. • Digital Wallet & Utility Rewards: Earn 2 reward points per ₹100 spent on digital wallet reloads, utility bill payments, and online shopping. • Standard Rewards: 1 reward point per ₹100 on general offline retail transactions; 1 reward point = ₹0.35 on IndusMoments. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 across domestic petrol pumps. • Finance Charges: 3.50% per month (42.0% annualized) on overdue revolving balances. • Foreign Exchange Markup: 3.50% + GST on international transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IndusInd Bank ePay Amex Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IndusInd Bank portal with paperless verification.
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