American Express Credit Card Bill Payment

Following are a few ways how you can pay your American Express credit card bills online.

NEFT

You can use the NEFT facility to transfer funds from your bank account and settle your American Express credit card dues. Follow the process given below:

Step 1: Add/Register your American Express Credit Card as a Payee in your bank account. Use the following details:

Step 2: Once the payee is added, you can select the same and enter the amount you wish to pay.

Step 3: Proceed with the fund transfer and authorize the same with OTP (if required by your bank).

Payments made via NEFT will be credited in the next 24 hours.

Note: If you are using Standard Chartered Online Banking to make payment via NEFT, you do not need to enter the IFSC Code. Select the option- ‘Transfer to another SCB bank account’ and continue to make the payment.

UPI

You can also pay your American Express credit card bill through UPI. Follow the steps shown below:

Step 1: Login to your UPI-enabled mobile banking app

Step 2: Go to fund transfer and select the VPA option

Step 3: Enter this as the VPA- AEBC<15-digit card number beginning with 37>@SC (For example, if your card number is 3712 3456789 0123, the VPA will be AEBC371234567890123@SC)

Step 4: Enter the amount you wish to pay and proceed by entering your UPI Pin.

Once authorised, the payment will be made. If you initiate the payment before 5 pm, the amount will be credited into your American Express Credit Card by the next day, provided it is not a Sunday or a public holiday.

Auto Pay

If you frequently miss credit card payments and find it difficult to manage multiple credit cards, you can set standing instruction on your bank account to automatically pay your American Express Credit Card dues. Once you are enrolled for the Auto Pay facility, each month total due or minimum due (as entered in the enrolment form) will be deducted from your nominated bank account.

For online enrolment, you will have to fill this form and submit. It will take 5 business days to get enrolled.

For offline enrolment, you will have to fill out a paper-based form depending on the type of card you have: Charge Card Auto Pay Enrolment Form or Credit Card Auto Pay Enrolment Form. In the offline process, it takes 3-4 weeks to complete the enrolment.

Bill Desk

If you wish to use the net banking facility of your bank to pay your American Express Credit Card Bills, you can do so via the Billdesk- American Express CardNet. Follow the process given below:

In addition to the above popular methods, American Express also allows cardholders to make online payments via-

This facility is available for 50+ participating banks and the payment is processed within 1-2 business days.

American Express Credit Card users can also make their bill payments offline. There are two ways to do so-

Courier

You can write a cheque/draft payable to “AEBC Card No. <15-digit card number starting with 37>” for the amount that you wish to pay and courier the same to the address given below:

American Express Banking Corp. Cyber City,
Tower ‘C’, DLF Building No. 8, Sector 25,
DLF City Phase II, Gurgaon-122002, Haryana

The payment will be credited to the card account only when the cheque/draft is cleared from the payee bank.

Drop Boxes

American Express also has drop boxes at several convenient locations. You can make the cheque/draft in the same way as above and drop it in the nearest drop box. You must check for Amex Stickers on the Standard Chartered Bank drop boxes before dropping the cheque.

You can locate the nearest drop box on this page.

American Express Banking Corp.
Cyber City, Tower-C, DLF Bldg. No.8,
Sector-25, DLF City Ph-II,
Gurgaon-122002
Haryana, India

You can also drop the cheque/draft at the nearest American Express drop box. However, you should never drop cash payment in the drop box.

The time taken for the various methods of funds transfer is given below: