IndusInd Bank
IndusInd epay Amex credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Enjoy 3 Months Free Zomato Gold
in your first year unlimited free delivery on orders above ₹199 and up to 30% extra off on online orders
Enjoy Zomato Gold unlocks up to 40% off at dining
partner restaurants across India, VIP rush-hour access and Zomato Legends
Best For
Shopping
Online Food Ordering
Dining
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Unique transaction-based Rewards Program earning up to 10 Reward Points per transaction min ₹500
- complimentary 3-month Zomato Gold membership
- 1-year Times Prime membership worth ₹1,199 on annual spends of ₹2 lakh
- 2X Reward Points on all spends in the 12th month Loyalty Bonus, on staying active the previous 11 months
- 5% cashback annually on early payment of total dues
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹ 0.35
Redemption Options
- Products
- Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Only earning conditions apply minimum transaction value of ₹500 (transactions below ₹500 earn no Reward Points)
and Reward Points are capped up to the credit limit per statement cycle
For Spends Waiver
Only earning conditions apply minimum transaction value of ₹500 (transactions below ₹500 earn no Reward Points)
and Reward Points are capped up to the credit limit per statement cycle
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.83% per month (46% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.83% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable | 2.5% |
Reward Redemption Fees ₹149 redemption fee per redemption for cash redemption; ₹100 for all other category redemptions | ₹149 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal returned payments | ₹250 |
Cash Payment Fees A fee of ₹100 is levied for cash payment of the credit card bill at an IndusInd Bank branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Enjoy 3 Months Free Zomato Gold
in your first year unlimited free delivery on orders above ₹199 and up to 30% extra off on online orders
Enjoy Zomato Gold unlocks up to 40% off at dining
partner restaurants across India, VIP rush-hour access and Zomato Legends
The smartest way to find your great credit card
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Company
We value your time and privacy. Your details stay secure and are used only to help you.