American Express in India offers a wide range of credit cards best suited for people who love to travel and shop that comes with a host of privileges, offers, discounts on lifestyle, shopping, dining, movies, etc. Let us look at the best credit cards from American Express.
Best AMEX Credit Cards In India
*Not available on Paisabazaar.com. Kindly visit the official website of American Express to apply.
Shopping Credit Cards by Amex
When it comes to shopping, American Express Membership Rewards Card is the most preferred. So shopaholics can enjoy various benefits and rewards while using this card.
American Express Membership Rewards® Card
Best suited for: Shopping Travel Rewards
American Express Membership Rewards Card is a highly rewarding credit card and is best suited for the shopaholics as well as frequent travellers. Read More
Key Highlights
Welcome Gift – 4,000 Bonus Membership Rewards Points to be awarded as Welcome Gift.
Reward Points – Get 5,000 bonus membership reward points on first-year card renewal.
Dining Discounts – Enjoy up to 20% discount at partner restaurants.
Lost Liability Cover – Get zero lost card liability cover along with an emergency card replacement facility.
Supplementary Membership Cards – Avail two Supplementary Membership Rewards® Credit Cards at no additional cost
Gold Benefits – Redeem your reward points against exciting gifts and merchandise under the 18 carat and 24-carat gold collection schemes.
Eligibility Criteria
- Applicant should be a resident Indian as defined under the Income Tax Act of India.
- The applicant must have an annual income of Rs.6 Lakh and above.
FAQs
What is the annual fee charged on American Express Membership Rewards Credit Card?
The annual Fee charged on this credit card is Rs. 1,500.
Does the American Express Membership Rewards Credit Card offer fuel convenience fee waiver?
Yes, users do not have to pay the convenience fee on fuel transactions as long as they purchase fuel from HPCL fuel stations.
What is the supplementary card charge?
User can get 2 add-on cards for free. Afterwards, they will have to pay Rs. 1500 for every additional credit card.
Entertainment Cards by American Express
American Express Platinum Reserve and American Express Platinum Charge credit cards are best suited for the entertainment category.
American Express® Platinum Reserve Credit Card
Best suited for: Hotels Travel Lounge Access
American Express® Platinum ReserveSM Card is a premium credit card wherein the first year fee is Rs. 5000 plus applicable taxes and the fee from the second year onwards is Rs 10, 000 plus applicable taxes. It is suitable for frequent travellers or those who go for business trips quite often. Read More
Key Highlights
The features and benefits of this American Express Credit cards are mentioned below:
Welcome Gift – Get welcome bonus rewards of 11,000 bonus membership points.
Priority Pass Membership – The American Express Platinum Reserve card also provides free access to AMEX lounges as well as Priority Pass Membership that enables access to lounges at leading airports worldwide.
Healthcare Benefits – Get access to unmatched healthcare benefits through Medical Concierge, Fortis Healthcare and Max Healthcare.
Golf Privileges – Get free access and waiver of green fees at 14 top golf courses at key Indian cities using your Amex Card.
Dining Discounts – Additional dining discounts and faster rewards points accumulation at partner restaurants and merchants in India and abroad.
Lifestyle Benefits – Get discounted flight tickets in lieu of points accumulated in every spend using your card. Points redemption can also be carried out at leading merchant establishments like Paul Smith, Ritu Kumar, Jimmy Choo, Tumi, Canali, Armani and others. Also enjoy luxury hotel booking privileges at leading resorts and hotels including the Taj Hotels Palaces Resorts Safaris, the Oberoi Group and many more.
Eligibility Criteria
The key criteria to determine the eligibility of an individual for this AMEX credit card is as follows:
- At least 18 years of age when applying for the card
- Clean credit history and high credit score with no previous payment defaults.
- In case of self-employed, the business must have been operating for at least 12 months.
- Minimum yearly income of ₹ 6 lakhs for either self-employed or salaried individual.
- Should have at least one bank account (current or savings) in India.
- Applicant should be able to produce proof of permanent Indian residence.
FAQs
What is the Annual Fee on this credit card?
The annual fee of this credit card is Rs. 10,000.
What is the foreign transaction markup fee on this credit card?
The markup fee on American Express® Platinum ReserveSM Credit Card is 3.50% of the transacted amount.
Does the card provide Lounge access?
Yes, Lounges at domestic airports. Also, users get free membership to Priority Pass program. Do note that access to Priority Pass lounges is chargeable.
American Express Platinum Charge Card
Note: This card is not available on Paisabazaar.com. Visit American Express official website to apply.
It is a premium credit card which is available at an annual fee of Rs 60,000 plus taxes.
Key Highlights
Airport Lounge Access – Enjoy unlimited complimentary access to 30 domestic airport lounges across 12 cities in India. Also, get complimentary access to over 700 international
Travel Benefits – Avail benefits across 900+ fine hotels and resorts worldwide including Mandarin Oriental Hotel Group, The Peninsula Hotels, The Ritz Carlton, Four Seasons Hotels and Resorts, The Taj Hotels Palaces Resorts Safaris, Fairmont / Raffles Hotels and Resorts, etc.
Dining Discounts – Enjoy Fine Dining Program at across more than 100+ hotels within the country.
Reward Points – Earn 1 reward point for every Rs.40 spent with your credit card except for fuel, insurance and utility transactions. The points which are earned on a supplementary credit card are also credited to the primary cardholder’s account. Accumulated reward points can be redeemed for fabulous rewards from over 500+ redemption options.
Insurance Cover – The card entitles the customer to Platinum Protection that offers Travel Accident Insurance, Travel Inconvenience Insurance, Purchase Protection and Overseas Medical Insurance.
Golf Privilege – Complimentary access to gold at 26 premium golf courses in India, Also get two complimentary golf lessons every month at 18 domestic courses across 10 cities.
Terms & Conditions Apply
Eligibility Criteria
The following criteria must be met by any individual wishing to apply for Amex cards:
- He or she should be over 18 years of age
- The individual should have a good credit history with no defaults in the payment context
- A self-employed person should be in the business for a period of at least 12 Months.
Travel Credit Card by American Express
For travel, American Express Platinum Travel credit card offers best features and benefits for people who love to travel.
American Express Platinum Travel Credit Card
Best suited for: Fuel Travel Lounge Access
The American Express Platinum Travel Credit Card is a travel-related credit card where the first year fee is Rs 3,500 plus applicable taxes and the fee from the second year onwards is Rs 5,000 plus applicable taxes. Read More
Key Highlights
The features and benefits of these American Express Credit cards are mentioned below:
Welcome Gift – A welcome gift of 5,000 bonus Milestone reward points which can be redeemed against travel vouchers worth Rs.4, 000
Dining Discounts – Enjoy up to 20% discount on dining at premium restaurants with the American Express Selects Dining Program
Reward Points – On spending Rs.1.90 lakhs in a year the customer can get various benefits like 7,500 Spend Milestone Bonus Membership reward points which can be redeemed as travel vouchers worth Rs.6,000, 1 reward point for every Rs.50 spent, earn 3,400 regular reward points redeemable against Travel vouchers worth Rs.1,700 and accelerated reward points at EXTRA membership rewards program partners
Travel Benefits – Exclusive benefits on travel bookings made from MakeMyTrip.com which includes Rs.200-500 cash back on every domestic flight ticket booking either for a one-way trip or a round-trip, 5% – 6% cash back on the base fare on international flight bookings, cashback on domestic and international hotel bookings, holiday packages, flight tickets and hotel bookings
Access to Airport Lounges – You can enjoy 4 complimentary visits per year to 30 airport lounges in Delhi, Mumbai, Bengaluru and 9 other cities.
Additional Benefits – Other services include up to 2 free supplementary cards, Zero Lost Card Liability, pay-in-parts privilege wherein the customer can pay EMIS for certain purchases, 24*7 platinum assist and emergency card replacement anywhere across the world
Eligibility Criteria
The following criteria must be met by any individual wishing to apply for American Express Credit Cards:
- He or she should be over 18 years of age
- The individual should have a good credit history with no defaults in the payment context
- A self-employed person should be in the business for a period of more than 12 months or a year
- Both a salaried individual and a self-employed individual should have an annual income of Rs 6 lakhs and above
- The individual should have either an Indian or multi-national bank’s savings or current account in India
- The individual should have a permanent residential address in India
FAQs
What is the annual fee charged on American Express Platinum Travel Credit Card?
The annual Fee charged on this credit card is Rs. 5,000.
Does the American Express Platinum Travel Credit Card offer fuel convenience fee waiver?
Yes, users can avail the convenience fee levied on fuel transactions made through credit card. This offer can only be availed at HPCL fuel stations.
What is the add-on card fee?
American Express offers 2 add-on cards for free. Post that, customers are charged Rs. 1500 for every additional add-on credit card.
American Express Credit Card- Fees and Charges
Though fees and charges on different Amex Credit Cards may differ based on several factors, given below is a list of common charges applicable on all cards.
| Type of Fee/Charge | Amount |
| Supplementary Card Fee | Rs 1,500 |
| Over limit charge | Rs 500 |
| Currency Conversion Factor Assessment | 3.50% |
| Finance Charges | 1.99% – 3.5% per month* |
| Duplicate Statement Fee | Rs 100 per statement for statements older than 3 months |
| Cheque/ECS/NACH Return Fee | Rs 250 per Returned Instrument |
| Surcharge on Purchase of Railway Ticket | 1.8% of the transaction value if booked on the internet (IRCTC) subject to a minimum of Rs 10 |
*Varies from one credit card to another.
American Express Credit Card Eligibility and Documentation
To be eligible for American Express Credit Cards, one should meet the following basic requirements*.
- The applicant should be over 18 years of age
- The individual should have a good credit history with no defaults in recent past
- He/she should have a regular income; both salaried and self-employed people can apply
- He/she should have a permanent residential address in India
- A self-employed person should be in the business for a period of more than 12 months or a year
- Should have at least one bank account (current or savings) in India
*Please note that the criteria may differ from one card to another and the final decision rests with Amex.
Documents Required
Residence Proof |
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Identity Proof |
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Income Proof |
How to Apply for American Express Credit Cards
We provide a simple and hassle-free way to apply for credit cards. You have to enter a few basic details and we suggest the best credit cards for you. Follow the steps given below to apply-
Step 1- Click here to start the application process.
Step 2- Enter your basic details like occupation, monthly income, city and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
Step 3- Find your preferred Amex credit card from the list and check your eligibility for the same.
Step 4- If eligible, you can complete the online application.
Once you submit the application, you will get a call from Amex’s representative who will come to collect the documents at your doorstep. The bank will scrutinize the documents provided and if approved, the card will reach you shortly.
Alternately, you can directly apply from the official website of American Express or by visiting their nearest branch.
American Express Credit Card Reward Program
American Express offers excellent rewards to its customers when they use their credit cards. These rewards can be redeemed against a wide range of merchandise, travel vouchers, gift cards or direct conversion into cash credit. The table given below shows reward earnings on different American Express Credit Cards-
| Amex Credit Card | Reward Points | Accelerated/Bonus Rewards |
| American Express Platinum ReserveSM Credit Card | 1 Membership Rewards® Point for every ₹ 50 spent except for expenses made on fuel, insurance, utilities and cash transactions. | 20 Bonus Membership Rewards Points when shopping at Membership Rewards partner outlets. |
| The American Express Platinum Travel Credit Card | 1 Membership Rewards® Point for every ₹ 50 spent except for expenses made on fuel, insurance, utilities and cash transactions. | Welcome Gift1 of 5,000 Milestone Bonus Membership Rewards Points and 7,500 Spend Milestone Bonus Membership Rewards Points on reaching total spend of ₹ 1.90 Lakhs in a year |
| The American Express Membership Rewards Credit Card | 1 Membership Rewards Point for every ₹ 50 spent except for spends at Fuel, Insurance, Utilities and Cash Transactions. | N/A |
| American Express® Platinum Card | 1 Membership Rewards® Point1 for every ₹ 40 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions. | Up to 20 Bonus MR Points for every ₹ 10 at EXTRA Membership Rewards Program Partners. |
Reward Redemption
American Express has a dedicated website for reward redemption. Here you can find all the different items against which you can redeem your rewards such as merchandise, travel vouchers, gift cards and more. You can login using your customer ID and password and directly redeem your rewards from there.Click here to check American Express Rewards Catalogue.
American Express Credit Card Customer Care
American express bank credit card users can get in touch with the bank’s customer care via call, email and SMS. Here are the details:
American Express Bank Credit Card Customer Care Number:
| American Express Credit Cards | Contact Numbers |
| American Express® Platinum Credit Card | 1800 419 1030* 1800 180 1030 91-124-280-1030 |
| American Express® Platinum Travel Credit Card | 1800 419 2122 0124-2801122 |
| American Express® Membership Rewards Credit Card | 0124-280 1418 1800 419 0167 |
| American Express® Platinum Charge Card | 1800 419 1255* 1800 180 1255 |
For 24*7 customer care assistance, customers can also call on these numbers:
+91124–2801800 / 1800 419 3646
American Express Bank Credit Card Customer Care Email ID: customerservicesindia@aexp.com
In case of complaints, customers can fill the complaints form available on the official website of American express Bank or visit the given link:
American Express Credit Card FAQs
Who can apply for American Express Credit Cards?
The income requirements may differ from one card to another. However, applicants must fall in the specified age bracket and must be an Indian Resident or NRI. They should also have regular source of income and a running credit history.
What is a charge card?
Apart from credit cards, Amex also gives charge cards which do not have a pre-defined limit. Any outstanding amount on a charge card must be paid in full on or before the due date.
What are Membership Rewards?
Amex credit card holders earn membership rewards whenever they use their credit card. The rate of reward earning is different for different cards. Accumulated membership rewards can be redeemed against vouchers and merchandise given in American Express Rewards Catalogue.
Can I use my Amex credit card in a foreign country?
Yes. Amex credit cards are internationally accepted. However, you must read the terms and conditions related to international use before you head for a foreign location.
What are the different ways of paying Amex credit card bill?
Cardholders can pay their Amex credit card bills through several modes, namely-
- NEFT
- UPI
- Bill Desk
- NACH
- Standing Instruction
- Cheque/Draft
What should I do if my Amex credit card is lost or damaged?
You must immediately inform American Express about the card loss by calling on their customer care number so that it can be hot-listed. The bank will then initiate the process of issuing new credit card which would be delivered to you within 10 days.
What do I do if my Amex credit card is declined?
Your card may be declined due to several reasons; the most common being insufficient credit limit. If you have enough amount for the purchase and it is still declined, you must call Amex to know the reason for such decline and get it fixed.
How can I update email address and contact details on my Amex credit card account?
If you are using online banking facility, you can update your details by logging in. Alternately, you can call Amex customer care or visit their nearest branch to update the details.
What happens if I exceed the credit limit on my Amex credit card?
If you exceed the limit, Amex will charge an overlimit charge of ₹ 500.
Can I get a supplementary card on my Amex credit card?
Yes, supplementary credit card facility is offered by American Express but a certain charge is levied on it. You can get such add-on cards for your parents, children or spouse.
When is interest charged on my Amex credit card?
Interest is charged on any outstanding amount that lies in your account after the due date. If you have paid all your balances on time, no interest will be charged.
What happens if I pay more than the Total Amount Due?
The extra payment is reflected in your statement/account and will be adjusted against future expenses.
How do I set standing instruction for credit card bill payment?
You can either do this online by logging into your Amex Credit Card account or by visiting the nearest branch. You can decide whether you want to pay the total amount due every month or just the minimum amount due.
