American Express Credit Card Eligibility

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American Express Credit Card Eligibility Criteria

Criteria	Details
Minimum Age	18 Years
Residence	Current/Permanent Residence Address in India
Minimum Income	For: Salaried: Annual income of Rs. 4.5 Lakhs or above Self Employed: Annual income of Rs. 6 Lakhs or above \| Company trading for more than 12 months *The minimum income requirement may vary from card to card. Click to check.
Credit History	Good credit history \| No payment defaults
Banking Requirements	Indian or multinational bank’s savings or current account in India
Serviceable Cities	May vary from card to card. Click to check.

Please Note: In addition to the above details, you must also fulfill other internal policy checks of American Express®.

American Express® Credit Card Eligibility Factors

Certain factors play a vital role in determining whether you will be able to meet the American Express Credit Card® eligibility criteria. These are:

Age: You must be at least 18 years of age to get yourself an American Express® Credit Card.

Income: The income requirement is dependent upon the American Express® credit card that you are applying for. Premium cards offer many benefits and tend to have a high income requirement. However, at Rs. 4.5 lakh p.a. the American Express SmartEarn™ Credit Card has the lowest income requirement of all the American Express® credit cards. Income plays a big part in establishing your credit limit. Hence, applicants with a higher income are more than likely to get a higher credit limit.

The income requirement for Top American Express® Credit Cards is listed as follows:

Credit Card	Annual Income for Salaried	Annual Income for Self-Employed
American Express® Platinum Card	Rs. 25 Lakhs and above	Rs. 15 Lakhs and above
American Express Membership Rewards® Credit Card	Rs. 6 Lakhs and above	Rs. 6 Lakhs and above
American Express SmartEarn™ Credit Card	Rs. 4.5 Lakhs and above	Rs. 6 Lakhs and above
American Express® Platinum ReserveSM Credit Card	Rs. 6 Lakhs and above	Rs. 6 Lakhs and above
American Express® Gold Card	Rs. 6 Lakhs and above	Rs. 6 Lakhs and above
American Express® Platinum Travel Credit Card	Rs. 6 Lakhs and above	Rs. 6 Lakhs and above

Check Eligibility for Top American Express® Credit Cards | Apply for a Credit Card

Residence: While American Express® Credit Cards are offered to Individuals with current or permanent addresses in India, the card is offered in selected cities. Check the list of serviceable cities for American Express® Credit Cards.

Credit Score: American Express® credit cards are given only to those individuals who have a good credit score. A good credit score (700 or above) lets the card provider know that you are financially responsible and more than able to repay the borrowed money. However, if you have a low credit score or no credit history your application might be rejected.

Payment Defaults: If you have defaulted on a loan or credit card payment then you will have a hard time getting a card from American Express®. Even if you manage to improve your credit score, the default will show up for years to come.

Debt to Income Ratio (DTI): It is the ratio between your debts and monthly income. Applicants with a low DTI score will have a higher chance of securing an American Express® credit card.

Number of Credit Cards Owned: American Express® will look into the details of your previously owned credit cards. Those who have more than one card have a better chance of getting approval. Also, the credit limit on the new American Express® credit card will be dependent on the credit limit of previous cards.

Documents Required for American Express® Credit Card Application

In addition to a duly filled application form, you will be required to submit identity, address and income proofs to get American Express® Credit Card, as listed below:

Identity Proof	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government approved photo ID proof
Address Proof	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof
Income Proof	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement