The IndusInd ePay Amex Credit Card charges no annual fee and no joining fee. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Fees not stated on the product page; lifetime free per earlier reading. Fully digital card.
Rewards
Welcome benefit
3-month Zomato Gold membership, one time, first year only
Reward currency
Reward Points
Base earn
Per transaction of Rs 500 or more: 4 RP for transactions 1-4 in a statement cycle, 8 RP for 5-10, 10 RP beyond the 10th
Point value
1 RP = Rs 0.35 cash credit
Accelerated earn
2X in the 12th month (8 / 16 / 20 RP per transaction) if at least one Rs 500+ transaction was made in each of the previous 11 months of the anniversary year; accelerated points credited in the next cycle
Caps
RP earning capped up to the credit limit per statement cycle
Milestone benefits
Times Prime membership for 1 year (worth Rs 1,199) on Rs 2 lakh spend in an anniversary year
Reward notes
base_return_pct null: points are per transaction, not per rupee (4 RP on a Rs 500 purchase is 0.28%, 10 RP is 0.7%).
Transfers
Partners
Singapore KrisFlyer
Ratio
3 RP = 1 airmile (KrisFlyer is the airline option listed)
Travel and perks
Domestic loungeunverified
None
International loungeunverified
None
Forex markup
3.5%
Fuel surcharge waiverunverified
None listed
Other freebies
Early payment cashback: 5% a year, pro-rated daily on the unused interest-free days, when the full statement balance is paid within 7 days of statement date (issuer example: Rs 103 on Rs 50,000 paid 7 days after the statement); Total Protect fraud cover up to the credit limit (counterfeit fraud)
Charges and eligibility
Interest per month
3.95%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
2.5% min Rs 300
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Issuer product page is live with no discontinuation notice, so status kept as open. Page says nothing on fees, lounges, fuel waiver, exclusions or expiry. CONFLICTS (issuer page used; old value and source): other_freebies: old note '5% cashback for paying the bill within 7 days, uncapped figure not verified'; issuer page shows it is 5% per annum pro-rated by day, about 0.21% of the bill | transfer_partners: old [] with programme not named; page lists Airline miles on KrisFlyer. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd ePay Amex Credit Card?
No annual fee.
Does the IndusInd ePay Amex Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the IndusInd ePay Amex Credit Card?
3.5% of each foreign-currency transaction, before GST.