EPay Amex Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹0
₹0
1.99%
No lounge access
Contents
A fully digital American Express credit card from IndusInd that rewards frequent transactions. The ePay Amex card gives up to 10 reward points per qualifying transaction, complimentary entertainment benefits and a cashback incentive for early bill payment. Best suited to digital-first customers who make frequent small transactions.
Features of EPay Amex Credit Card which makes it unique
Transaction-based Reward Tiers
Reward points increase with the number of qualifying transactions in a statement cycle.
Encourages frequent use; higher marginal rewards after more transactions.
Different from flat %-on-spend models.
Rewards Structure of EPay Amex Credit Card
Transaction Rewards
acceleratedMinimum ₹500 per transaction
1–4 txns → 4 RP/txn; 5–10 txns → 8 RP/txn; >10 txns → 10 RP/txn.
Loyalty Bonus
acceleratedActive card for 11 months
Early Payment Cashback
basePay full statement within 7 days of generation
Milestones of EPay Amex Credit Card
Loyalty 12th Month Bonus
Be active for 11 months : 2X reward points in the 12th month
Fees & Charges of EPay Amex Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:N/A (card currently marketed as digital/fee-free for sourcing).
Fee Explanation Standard bank rates and card terms apply. See bank T&Cs for full schedule.
Detailed Explanation of EPay Amex Credit Card Fees
Annual Fee: 0 (yearly)
Card marketed as digital/fee-free for new sourcing; check T&Cs.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Lounge Access Benefits with EPay Amex Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary domestic lounge access included.
Insurance Coverage with EPay Amex Credit Card
Total Protect programme
Up to credit limitCovers counterfeit fraud and personal air accident cover; see T&Cs.
Additional Features of EPay Amex Credit Card
Virtual / Digital Card
Card issued as a digital credential for secure online payments and wallet integration.
Contactless Payments
Tap and pay enabled where accepted.
Welcome Bonus with EPay Amex Credit Card
Welcome Bonus: 3 months Zomato Gold
Bonus Conditions: Minimum transaction ₹500; activation code valid 30 days; subject to IndusInd T&Cs.
Application Process for EPay Amex Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via IndusInd portal
Upload KYC documents
Receive verification call / digital KYC
Card activated/credentials delivered digitally within 7 days
Required Documents for EPay Amex Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
EPay Amex Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Amex is accepted
Online Acceptance
Yes (virtual card for online payments)
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for EPay Amex Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; Indian resident.
How Approval Is Decided
- Minimum income ₹25,000/month (approx)
- Indian resident
- Credit score typically above 700
Pros of EPay Amex Credit Card
- High per-transaction reward potential for frequent users
- Digital-only issuance improves security and convenience
- Attractive short-term entertainment benefits
Cons of EPay Amex Credit Card
- Rewards apply only on transactions ≥ ₹500
- No built-in domestic lounge access
- Reward value depends on redemption method
Frequently Asked Questions about EPay Amex Credit Card
Is there a joining fee?
No joining fee for sourcing; card is currently offered as a digital/fee-free product—check bank T&Cs.
How do I earn reward points?
You earn 4–10 Reward Points per qualifying transaction (min ₹500) depending on transaction count in the statement cycle.
What is the Zomato Gold benefit?
You get 3 months Zomato Gold during your first year; activation code is valid for 30 days from communication.
How does early payment cashback work?
Pay the total outstanding within 7 days of statement generation to receive an annual 5% cashback on qualifying payments.
How can I redeem Reward Points?
Redeem via IndusMoments for cash credit, flight/hotel bookings or partner miles; 1 RP = ₹0.35 (cash credit equivalence).
Can I use the card with mobile wallets?
Yes — link the digital card to supported wallets such as Google Pay, Phone Pay and Paytm.
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