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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
IndusInd
shopping
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ePay Amex
AMEXIndusInd Bank • American Express•
Annual Fee
Free
Base Reward Rate
1.07%
Foreign Tx Fee
3.5%
Tier
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹10,050
Blended 1.61% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Virtual credit card. Lifetime free (nil joining and annual fees). Welcome benefit: free 3-month Zomato Gold membership. Loyalty program: make at least one transaction each month for 11 consecutive months to earn 2X reward points in the 12th month (8/16/20 RPs per transaction tiers). Reward redemption: 1 RP = Rs.0.35 (cash credit); 3 RPs = 1 AirMile; also redeemable at IndusMoments for hotels/flights. Insurance: air accident cover up to Rs.1 lakh. Interest rate 3.95% per month (47.40% per annum). No lounge access.