IndusInd Bank ePay American Express Credit Card

It is a lifetime-free card — there is no annual fee.

The strongest published rate is 10% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

No — airport lounge access is not offered on this card.

Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.

The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.

Redeemed as cash credit at Rs. 0.35 a Reward Point, Converted to air miles at 3 Reward Points to 1 air mile, Redeemed against flight and hotel bookings

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

By transaction count rather than amount. Each of the first four transactions in a statement cycle earns 4 Reward Points, the fifth to tenth earn 8 each, and every transaction beyond the tenth earns 10. Each transaction has to be Rs. 500 or more to earn anything. So the card pays for being used often, which is the opposite of how almost every other card in this catalogue works.

Paying early. IndusInd gives 5% cashback every time the total amount due is paid within 7 days of statement generation — not merely by the due date. It is a reward for settling fast rather than for spending, which is unusual and genuinely useful to somebody who pays in full anyway.

It can be. A transaction under Rs. 500 earns nothing at all, so the structure suits somebody making a handful of moderate purchases a month rather than many small ones. It also means the card rewards consolidating small buys into single transactions over Rs. 500, which is the opposite of what the transaction-count structure otherwise encourages.

Rs. 0.35 as cash credit, which IndusInd publishes, or 3 Reward Points convert to 1 air mile. Points can also go towards flight and hotel bookings. Having a published cash value is what lets you work out what the transaction tiers are actually worth.

Yes, and it is the main practical limitation. Amex is accepted at considerably fewer Indian merchants than Visa, Mastercard or RuPay, particularly outside large cities and chains. On a card whose rewards depend on making ten or more transactions a cycle, limited acceptance works directly against the earning structure.

Nothing. No joining fee and no annual fee, which is unusual on the American Express network — most Amex cards in India carry a four-figure fee. Combined with the 5% early-payment cashback, a disciplined holder can earn from this card without ever paying it anything.