IndusInd Bank ePay Amex Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

This card is a virtual credit card that offers a welcome benefit of a 3-month membership to Zomato Gold. As you make more transactions, the reward points you earn will increase. Additionally, after the 10th transaction within a statement cycle, you will receive 10 reward points for each transaction.

The IndusInd Bank ePay Amex Credit Card is a fantastic option for individuals who enjoy shopping.

With a joining fee of Nil and a renewal fee of Nil, this card is an excellent choice for those looking for value and savings.

One of the standout features of this card is its reward program, which offers Reward Points for every transaction.

In addition, new cardholders are welcomed with a free 3-month Zomato Gold Membership, providing access to exclusive dining and entertainment offers.

Movie enthusiasts will also enjoy a 3-month Zomato Gold Membership for movie dining.

When it comes to shopping, this card truly shines.

Cardholders earn 4 Reward Points from their 1st to 4th transaction, and an impressive 8 Reward Points from the 5th to 10th transaction.

After these initial transactions, every transaction earns a staggering 10 Reward Points.

This ensures that shopping enthusiasts can accumulate points quickly and enjoy great rewards.

While this card does not offer specific benefits for travel, domestic lounge access, international lounge access, or golf, it does provide an air accident cover of up to Rs. 1 Lakh.

This insurance benefit offers peace of mind while using the card.

It is important to note that this card has a foreign currency markup of 3.5% of the transaction amount, which should be considered when making international purchases.

In terms of interest rates, this card offers a monthly rate of 3.83% and an annual rate of 46%.

While these rates are within the industry standard, it is advisable to pay off the balance in a timely manner to avoid incurring high interest charges.

This card does not charge fuel surcharge or offer cash advances, which may be a drawback for those seeking these specific features.

Overall, the IndusInd Bank ePay Amex Credit Card is a solid choice for individuals seeking a credit card tailored for shopping.

With its lucrative reward program, welcoming benefits, and insurance coverage, it offers great value and flexibility.