LIFETIME FREE American Express 📡 Contactless NFC

IndusInd Bank EPay Amex Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Young food delivery and OTT entertainment lovers looking for a Lifetime Free American Express card with Zomato Gold benefits, Times Prime milestone rewards, and dining perks.

Who Should Avoid

Users seeking airport lounge visits or shoppers in areas with limited Amex acceptance.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary 3-month Zomato Gold Membership + ₹500 shopping voucher on completing first transaction within 30 days

Free Zomato Gold & Times Prime

Complimentary 3-month Zomato Gold Membership + 1-year Times Prime Membership worth ₹1,199 on annual spend of ₹2 Lakhs.

Accelerated Rewards on Food & Entertainment

Earn up to 4 Reward Points per ₹100 on online food ordering, entertainment, and e-commerce shopping.

Lifetime Free Credit Card

Unconditionally Lifetime Free credit card with zero annual and maintenance fees.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

1 Reward Point per ₹100 spent on general retail (0.25% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

4 Reward Points per ₹100 (1.0% return) on Online Food Delivery (Zomato, Swiggy) and Entertainment; 1-year Times Prime membership on ₹2L annual spend; American Express Selects dining privileges

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Cash Credit (1 RP = ₹0.25), Brand Vouchers & Electronics Catalog via IndusMoments

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Utilities Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✗ Not Supported

UPI not supported on American Express network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.83% per month (46.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the IndusInd Bank EPay Amex Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

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Personalized Card Matcher

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Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹25,000 All IndusInd Bank Credit Cards Lifetime Free Credit Cards Best American Express Credit Cards

Frequently Asked Questions

Yes, the IndusInd Bank EPay Amex Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

IndusInd Bank EPay Amex Credit Card Lifetime Free (₹0)