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Credit Card

American Express in India offers a wide range of credit cards with a host of privileges, offers, discounts on lifestyle, shopping, dining, movies, etc. Amex Credit Cards have become very famous for the excellent services and offers they provide and the American express Credit Card documentation is also kept simple. Let us look at the best credit cards and charge cards from American Express.
 

Amex Cards-
 

  1. American Express Platinum Charge Card
  2. American Express Gold Card
  3. American Express Platinum ReserveSM Credit Card
  4. Jet Airways American Express Platinum Credit Card
  5. The American Express Platinum Travel Credit Card

​American Express Platinum Charge Card

It is a premium credit card which is available at an annual fee of Rs.50, 000plus taxes. The features and benefits of the card are as follows:
 

  • Avail “Do anything” platinum Concierge services where you can get assistance for locating or sourcing goods and services, booking movie tickets, organising events, making dining reservations, golf bookings, movie bookings, getting reservations for invitation only events, gift and flower delivery and much more.
  • Platinum Travel Services which help with all kinds of travel related needs.
  • Enjoy unlimited complimentary access to 30 domestic airport lounges across 12 cities in India. Also get complimentary access to over 700 international airport lounges in over 120 countries with a priority pass.
  • 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 Group of Hotels and Resorts, Fairmont / Raffles Hotels and Resorts, etc.
  • Get complimentary membership to Shangri-La Golden Circle’s Jade tier, Hilton Honors Gold status, Starwood Preferred Guest Gold Programme, Taj InnerCircle, Hertz Gold Plus Rewards and Club Carlson Gold Elite status.
  • Enjoy Fine Dining Program at across more than 100+ hotels within the country.
  • 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.
  • Earn Reward points on every spending which can be redeemed across attractive and luxurious products from the collection of premium partners including Armani, Canali, Tumi, Jimmy Choo, Ritu Kumar, Paul Smith, etc. or you can also redeem your points for flight ticket bookings
  • Earn 1 reward point for every Rs.40 spent with your credit card except for fuel, insurance and utilities transactions. The points which are earned on 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.
  • Platinum Travel benefits offer all kinds of travel related services like flight ticket bookings, hotel reservations, etc. elite membership to the programs of luxury hotels, preferential rates and discounts on tickets booked with airline partners, free room upgradation and special amenities at premium partner hotels and resorts and luxurious stay at premium hotels across the globe
  • The card entitles the customer to Platinum Protection that offers Travel Accident Insurance, Travel Inconvenience Insurance, Purchase Protection and Overseas Medical Insurance.

Terms & Conditions Apply
 

​Eligibility-

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.

American Express Gold Card

Check Eligibility

It is another charge card wherein the annual fee for the first year is Rs.1000 plus taxes and thereafter the annual fee every year is Rs.4500 plus taxes. The features and benefits of these American Express Credit cards are as follows:
 

  • Earn 1000 bonus reward points if the card is used at least 6 times each worth Rs 1000 or more in a month.
  • Earn 5000 reward points when the card is renewed after the first year. Reward points will be credited within 90 days of card renewal
  • Exclusive benefits on travel bookings made from MakeMyTrip which includes Rs.200-Rs.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 and flight and hotel bookings
  • Enjoy greater flexibility in your expenses with “no pre-defined” credit limit.
  • Earn 1 reward point for every Rs.50 spent on the card;also earn 18 carat and 24 carat Gold Collection rewards.
  • For 24, 000 points, the customer can access the 24 carat Gold Collection and for 18, 000 points, the 18 carat Gold Collection rewards are avialble.
  • The points can also be redeemed against 500+ attractive options including leading airlines, hotels, electronics and more
  • Enjoy up to 20% off every time you dine at select restaurant partners
  • Other Gold Services which a cardholder can avail are 24*7 card related assistance, dispute resolution, Zero Lost Card Liability, emergency card replacement and 2 supplementary Gold Cards which are free

Terms & Conditions Apply
 

Eligibility-

The following criteria must be met by any individual wishing to apply for the 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.

American Express Platinum ReserveSM Credit Card

Check Eligibility

A 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. The features and benefits of this American Express Credit cards are mentioned below:
 

  • You receive welcome bonus rewards of 11,000 bonus membership points.
  • Enjoy up to Rs.10,000 cashback on bookings made through MakeMyTrip website.
  • Enjoy Luxury hotel booking privileges at leading resorts and hotels including the Taj Group, the Oberoi Group and many more. Related benefits include membership privileges at Preferred Hotels and Resorts as well as Jiva Spa.     
  • The American Express Platinum Reserve card also provides card holder with free access to AMEX lounges as well as Priority Pass Membership that enables access to lounges at leading airports worldwide. 
  • Get access to unmatched healthcare benefits through Medical Concierge, Fortis Healthcare and Max Healthcare.  
  • Get free access and waiver of green fees at 14 top golf courses at key Indian cities using your Amex Card.
  • Additional dining discounts and faster rewards points accumulation at partner restaurants and merchants in India and abroad. 
  • 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. 

Terms & Conditions Apply
 

Eligibility-

The key criteria to determine 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 Rs. 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.

​Jet Airways American Express Platinum Credit Card

This American Express Credit card is a co-branded card provided in association with Jet Airways, a leading private airline in India. The joining fee on this card is Rs. 5,000 and the annual fees charged on this credit card from the second year onwards is Rs. 10,000 excluding taxes. Key features of this credit card from American Express include:
 

  • JPMiles bonus points to the tune of 10,000 + one way complimentary Jet Airways one Jet Airways base fare waived domestic ticket are credited to your account along with waiver of the base fare on a single domestic Jet Airways flight ticket when you sign up and use your card for the first purchase.
  • Yearly bonus of 5000 JP Miles + one Jet Airways base fare waived domestic ticket  are credited on payment of yearly renewal fees along with basic fare waiver on a Jet Airways domestic flight ticket.
  • Earn 8 JP Miles on transactions apart from cash transactions, insurance, utility and fuel bill payments. Get 2X JP Miles when booking Jet Airways tickets on the airline website. Additional 5% discount on Jet Airways ticket bookings made online.
  • Be part of the EXTRA JP Miles Program and earn to the tune of 20 bonus miles for every Rs. 100 spent.
  • Enjoy complimentary lounge access at leading domestic airports. 
  • Enjoy Dedicated Check in & Excess Baggage Waiver of 5kg on Jet Airways flights across the country.
  • Be in the front of the line with dedicated check-in services and excess/overweight baggage waiver option when flying with Jet Airways.
  • Other key services unique to the card include Zero liability on lost cards, two supplementary cards provided for free, 24x7 concierge services to arrange gift/flower deliveries, ticket booking s for movies, restaurant reservations and much more.

Terms & Conditions Apply
 

Eligibility-

The following criteria must be met by any individual wishing to apply for the 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 more than 12 months.
  • Both a salaried individual and  a self-employed individual should have an annual income of 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

The American Express Platinum Travel Credit Card

Check Eligibility

The American Express Platinum Travel Credit Card is a travel related credit card where the first year fee is Rs.3500 plus applicable taxes and the fee from the second year onwards is Rs.5000 plus applicable taxes. The features and benefits of these American Express Credit cards are mentioned below:
 

  • A welcome gift of 5000 bonus Milestone reward points which can be redeemed against travel vouchers worth Rs.4000
  • 4 complimentary visits per year to 29 airport lounges in Delhi, Mumbai, Bengaluru and 9 other cities
  • On spending Rs.1.90 lakhs in a year the customer can get various benefits like 7500 Spend Milestone Bonus Membership reward points which can be redeemed as travel vouchers worth Rs.6000, 1 reward point for every Rs.50 spent, earn 3400 regular reward points redeemable against Travel vouchers worth Rs.1700 and accelerated reward points at EXTRA membership rewards program partners
  • On spending Rs.4 lakhs in a year, the customer can get additional benefits like 10,000 Spend Milestone Bonus Membership reward points which can be redeemed as travel vouchers worth over Rs.10,000, 1 reward point for every Rs.50 spent.earn 3,600 regular reward points redeemable against Travel vouchers worth Rs.1800, accelerated reward points at EXTRA membership rewards program partners and vouchers worth Rs.10, 000 from the Taj Group
  • Exclusive benefits on travel bookings made form 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
  • Complimentary Priority Pass Membership
  • Enjoy up to 20% discount on dining at premium restaurants with the American Express Selects Dining Program
  • 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

Terms & Conditions Apply
 

Eligibility-

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 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
Fees and Charges Structure on American Express Credit Card
  American Express Platinum Travel Credit Card American Express Platinum ReserveSM Card Jet Airways American Express Platinum Credit Card American Express Platinum Card American Express Gold Card
Fee for American Express add-ons card 2 add-on cards are free after which Rs.1500 is charged for an additional card 4 add-on cards are free after which Rs.1500 is charged for an additional card 2 add-on cards are free after which Rs.1500 is charged for an additional card 6 supplementary cards are free after which each additional card would cost Rs.5000 2 add-on cards are free after which Rs.1500 is charged for an additional card
Monthly interest rate 3.35% 3.35% 3.35% NA 3.50%
Monthly interest rate on default 3.75% 3.75% 3.75% NA NA
Charges for late fee payment or delinquency 30% of the minimum amount due with a minimum and maximum limit of Rs.500 and Rs.1000 30% of the minimum amount due with a minimum and maximum limit of Rs.500 and Rs.1000 30% of the minimum amount due with a minimum and maximum limit of Rs.500 and Rs.1000 5% of the outstanding balance with a minimum charge of Rs.300 5% of the outstanding balance with a minimum charge of Rs.300
Cash withdrawal fee 3.5% of the amount of cash withdraw provided a minimum rate of Rs.250 for each instance 3.5% of the amount of cash withdraw provided a minimum rate of Rs.250 for each instance 3.5% of the amount of cash withdraw provided a minimum rate of Rs.250 for each instance 3.5% of the amount of cash withdraw provided a minimum rate of Rs.250 for each instance 3.5% of the amount of cash withdraw provided a minimum rate of Rs.250 for each instance


Applying Online - In keeping with the rising trend of online transactions, the bank offers Credit Card application online. One can apply for an American Express Credit Card through the portal of Paisabazaar.com.


Application Status - If the customer wants to check the status of the card application, the bank also helps in providing the relevant facility. For checking the status, the applicant simply needs to visit the bank’s website and check the status online.


Credit Card Statement – The bank sends the credit card statement to the customer via an email every billing cycle which contains the list of transactions carried out per cycle and the amount required to be paid to the bank to settle the credit card debt. The statement is sent every month free of cost.

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
Jet Airways American Express® Platinum Credit Card
1800 208 1223
0124-2801141
0124-6744141

 

 

 

 

 

 

American Express® Platinum Credit Card 1800 419 1030*
1800 180 1030
91-124-280-1030
American Express® Gold Card 1800 419 2122*
91-124-2801122
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
(4.1/5 ) 7 Reviews
Credit CardCredit Card
5/5

Happy Customer

Have been using my American Express PAYBACK credit card from last 2 years. I am so happy with all the services and benefits that I don't feel the need of applying for another credit card. I can use my credit card for anything, anywhere plus I e..Read more...

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Posted on: Jul 10 , 2017
Credit CardCredit Card
1/5

Worst services

I have American express Gold card, the offers and rewards are okay but I am not happy with my credit limit. I was hoping for a higher limit according to my current salary but did not get it. American express customer care people are not very much coo..Read more...

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Posted on: Jul 5 , 2017
Credit CardCredit Card
4/5

Full of rewards

The customer service of Amex is really very good. I had one Amex credit card initially and I decided to get two more for my family members because of awesome rewards and satisfactory services. They charge nominal rate of interest that’s why I ..Read more...

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Posted on: Jul 5 , 2017
Credit CardCredit Card
4/5

Very good benefits

I am very happy with my credit card as I received 10,000 reward points on joining. Additionally, my card also has travel and dining benefits. This card is so rewarding when it comes to shopping. I also get a 3% cashback on fuel at almost all the petr..Read more...

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Posted on: Jan 18 , 2017
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