American Express® Credit Card

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 top credit cards from American Express®.

Best suited for:  Reward Points

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 Discount – 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 under the 18 carat and 24-carat gold collection schemes

Want to know more about American Express Membership Rewards® credit card? Click here

Similar Cards: Citibank Rewards | SBI Card Prime

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Terms and Conditions Apply

Best suited for: Rewards & Dining

Key Highlights

Welcome Gift- 500 cashback on spending Rs. 10,000 in the first 90 days

Rewards- 1 Membership Reward Point for every Rs. 50 spent on eligible categories

Extra Rewards- Up to 10X rewards on Flipkart, Uber, Swiggy, Amazon, BookMyShow and other partners

Fuel Benefit- Avail convenience fee waiver at HPCL petrol pumps

Easy EMI– Convert big-ticket purchases into easy EMIs at low interest rates

Want to know more about American Express SmartEarn™ credit card? Click here

Similar Cards: HDFC Moneyback | Standard Chartered Platinum Rewards

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Best suited for: Travel

Key Highlights

Welcome Gift – Get welcome gift of 11,000 bonus membership points

Priority Pass Membership – Avail free access to American Express lounges as well as Priority Pass Membership

Healthcare Benefits – Enjoy special benefits* at Max Healthcare and many other curated benefits for your mind, body and soul

Golf Privileges – Complimentary access* to leading golf courses in India.”

Dining Discounts –  Additional dining discounts and faster rewards points accumulation at partner restaurants and merchants globally

Want to know more about American Express® Platinum Reserve^SM credit card? Click here

Similar Cards: SBI Card Elite | Standard Chartered Emirates World

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Best suited for: International Travel

Key Highlights

Welcome Benefits – 1,00,000 Welcome Bonus Membership Rewards® Points or stay vouchers from Taj SeleQtions Vivanta Hotels worth Rs. 45,000

Travel Benefits – Savings up to Rs. 1,10,000 on international travel

• Complimentary upgrade to first class Etihad Airlines tickets from select business class tickets
• Up to 20% off on Air India Business Class ticket’s base fare

Lounge Access – Access to premium airport lounges like The Centurion® Lounge, American Express Proprietary lounges, Delta & Priority Pass lounges

Hotel Privileges – Stay benefits up to Rs. 44,500

24×7 Concierge – 24×7 premium concierge services such as hotel booking, event booking, late night deliveries, etc.

Terms & Conditions Apply

Want to know more about American Express Platinum credit card? Click here

Similar Cards: IndusInd Pinnacle

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Best suited for: Travel

Key Highlights

Welcome Gift – 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

Reward Points – On spending Rs.1.90 lakhs in a year, you can get various benefits like 7,500 Spend Milestone Bonus Membership reward points which can be redeemed as travel vouchers worth Rs.6,000

Access to Airport Lounges – Enjoy 4 complimentary visits per year limited to one visit per quarter at airport lounges across the country T&C Apply

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

Terms & Conditions Apply

Want to know more about American Express Platinum Travel credit card? Click here

Similar cards: Citi PremierMiles | Air India SBI Signature

Apply Now and Check Eligibility

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.

There are certain criteria that American Express® looks into before accepting your credit card application. Your credit score, age, monthly income, location etc. are some of the parameters that you should keep in mind before you apply for a credit card.

Along with that, you will also need to submit a few documents which become the basis for the bank to decide whether you will be eligible for the card applied and also to determine the credit limit on your card.

Please note that the criteria may differ from one card to another and the final decision rests with American Express.

Documents Required 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 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 scrutinize 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)