IndusInd Bank ePay American Express Credit Card
Card Intro
Welcome Benefits
Digital American Express enabled Credit Card.
Zomato Gold Membership for 3 Months.
Interest Free Period
20 to 50 Days
Payment Gateway
AMEX - American Express
Card Fees
Joining Fee(once)
Nil
Annual Fee(2nd year onwards once)
Nil
Add-on Card Fee
Nil
Annual Fee Waive off
Nil
Card Features, Rewards and Benefits
Cashback
5% cashback annually on early payment of total due amount within 7 days of statement generation.
Rewards
Upto 10 Reward Points on each transaction, minimum transaction value of Rs 500.
1st to 4th transaction in a statement cycle- 4 Reward Points on each transaction
5th to 10th transaction in a statement cycle- 8 Reward Points on each transaction
Beyond the 10th transaction in a statement cycle- 10 Reward Points on each transaction.
Milestone Benefits
2X Reward Points (Upto 20 Reward Points) on all spends done in the 12th month within an anniversary year, if card is active for 11 months.
Fuel Surcharge Waiver
1% for transactions between Rs. 400 to Rs. 4000.
Dining
–
Movie Benefits
Nil
Lifestyle Benefits
Times Prime Membership for 1 year for spending Rs 2 lakhs in an anniversary year.
Travel Benefits:
Nil
Lounge Benefits
Nil
Hotel Benefits
Nil
Insurance Benefits
Complimentary personal Air Accident Insurance Cover of up to Rs 1,00,000.
Insurance Cover benefit equal to credit limit reporting unauthorized transactions within 48 hours of loss/theft of the card.
Concierge Benefits
Nil
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Rs.100
Cash Withdrawal Fees or Cash Advance Fees
2.5% (Min. Rs. 300) of the cash amount
Card Replacement Fees
Rs. 100
Charge slip Retrieval Fee
Rs. 300
Cheque Payment Fee
–
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
1% on International transaction
Duplicate Statement Fee
Rs.100 per statement(beyond last 3 months)
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 249
Finance Charges
3.95% per month (47.40% per annum)
Foreign Currency Transaction fee(Forex Charges)
3.5% of the transaction value
Late Payment charges
Nil if Total Payment Due Up to Rs. 100
Rs. 100 if total payment due is between Rs. 101 – Rs. 5,00
Rs. 350 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 550 if total payment due is between Rs. 1001 – Rs. 10,000
Rs. 800 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1100 if total payment due is between Rs. 25,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000
Outstation Cheque Fee
–
Over Limit Fees
2.5% of the over limit amount (Min Rs. 500)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
Rs.250
Payment of Customs duty
N/A
Priority Pass Lounge Charges
$27 per person per visit + taxes
Railway Tickets Surcharge
As prescribed by IRCTC / Indian Railways
Rental Transaction Fee
1% per transaction
Reward Points Redemption Fee
Rs. 100
Any Other Charges
Balance Enquiry Charges on Non IndusInd Bank ATMs – Rs. 25
Issuance of Physical Card – Rs. 299
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.