IndusInd Bank ePay Amex Credit Card
IndusInd Bank
No spend-category rewards at all — this card only ever wins a quiz match via tie-break, since its transaction-count earning structure doesn't map to any category.
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 18+
Must accept the American Express card network
Sources disagree: Minimum age disputed: 18+ (one source) vs 21+ (CashOnCards).
Lounge access
0 domestic / 0 international visits per year
No lounge, golf, or premium lifestyle benefits despite Amex branding, per CashOnCards.
Key features
- Unusual transaction-COUNT based earning (not spend-based): 4/8/10 points per transaction by count tier
- 2X point multiplier from the 12th consecutive active month
- 5% early-payment cashback if paid within 7 days of statement date
Reward details
Transaction-count-based, not spend-based: 4 points each for transactions 1-4 in a billing cycle, 8 points each for 5-10, 10 points each for 11+ (minimum ₹500/transaction to count).
Redemption
Cash credit, air miles, and flights via IndusMoments; one source states direct credit against outstanding balance at ₹0.35/point.
- 2X point multiplier from the 12th (or 11th, per one source) consecutive active month.
- 3-month Zomato Gold membership; complimentary Times Prime membership after ₹2 lakh annual spend.
- 5% early-payment cashback if paid within 7 days of statement date.
Real-world feedback
Not found — only structured product analysis in the sources checked.
Sources
- Official — marketing/navigation content only
- Aggregator — fees, eligibility, rewards
- Aggregator — eligibility, sentiment