American Express® Credit Card

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-

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.

Though fees and charges on different American Express® Credit Cards may differ based on several factors, given below is a list of common charges applicable on all cards.

*Varies from one credit card to another.

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 American Express® 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 American Express®‘ representative who will come to collect the documents at your doorstep. The bank will verify the documents provided and if approved, the card will reach you shortly.

Please note that some credit cards may not be available on Paisabazaar’s platform. If there is a particular card you are looking for and is not mentioned on the list, you can apply for the same by visiting the nearest bank branch or by applying on the bank’s website.

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:

For 24*7 customer care assistance, customers can also call on these numbers:

+91124–2801800 / 1800 419 3646

In case of complaints, customers can fill the complaints form available on the official website of American Express® or visit the given link:

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, American Express® 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?
American Express® 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 American Express credit card in a foreign country?
Yes. American Express® 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 American Express credit card bill?
Cardholders can pay their American Express® credit card bills through several modes, namely-

• NEFT
• UPI
• Bill Desk
• NACH
• Standing Instruction
• Cheque/Draft

What should I do if my American Express® 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 American Express® 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 American Express® to know the reason for such decline and get it fixed.

How can I update email address and contact details on my American Express® credit card account?
If you are using online banking facility, you can update your details by logging in. Alternately, you can call American Express® customer care or visit their nearest branch to update the details.

What happens if I exceed the credit limit on my American Express® credit card?
If you exceed the limit, American Express will charge an overlimit charge of ₹ 500.

Can I get a supplementary card on my American Express® 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 American Express® 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 American Express® 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.

Most Important Terms & Conditions (MITC)