American Express Credit Card

1. The American Express Membership Rewards® Credit Card

This is a highly rewarding credit card by American Express and is best suited for the shopaholics as well as frequent travellers. Some of its features are-

• Use your credit card 4 times in a month for transactions worth ₹ 1,000 or more each and earn 1,000 bonus reward points.
• Get 5,000 bonus membership reward points on first year card renewal.
• Earn 1 membership reward point for every ₹ 50 spent on the card except on fuel, utilities, insurance and cash withdrawal.
• Redeem your reward points against exciting gifts and merchandise under the 18 carat and 24 carat gold collection schemes.
• Enjoy up to 20% discount at partner restaurants.
• Get zero lost card liability cover along with emergency card replacement facility.
• Avail two Supplementary Membership Rewards® Credit Cards at no additional cost

• Applicant should be a resident Indian as defined under the Income Tax Act of India.
• The applicant must have an annual income of ₹ 6 Lakh and above.

2. American Express Gold Card

It is another charge card wherein the annual fee for the first year is ₹ 1000 plus taxes and thereafter the annual fee every year is ₹ 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 ₹ 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 ₹ 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 and flight and hotel bookings
• Enjoy greater flexibility in your expenses with “no pre-defined” credit limit.
• Earn 1 reward point for every ₹ 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 available.
• 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 Criteria-

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.

3. American Express Platinum Reserve^SMCredit Card

A credit card wherein the first year fee is ₹ 5000 plus applicable taxes and the fee from the second year onwards is ₹ 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 Hotels Palaces Resorts Safaris, 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 Criteria-

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 ₹ 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.

4. The American Express Platinum Travel Credit Card

The American Express Platinum Travel Credit Card is a travel related credit card where the first year fee is ₹ 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 ₹ 4000
• 4 complimentary visits per year to 30 airport lounges in Delhi, Mumbai, Bengaluru and 9 other cities
• On spending ₹ 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 ₹ 6000, 1 reward point for every ₹ 50 spent, earn 3400 regular reward points redeemable against Travel vouchers worth ₹ 1700 and accelerated reward points at EXTRA membership rewards program partners
• On spending ₹ 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 ₹ 10,000, 1 reward point for every ₹ 50 spent earn 3,600 regular reward points redeemable against Travel vouchers worth ₹ 1800, accelerated reward points at EXTRA membership rewards program partners and vouchers worth ₹ 10, 000 from the Taj Hotels Palaces Resorts Safaris.
• Exclusive benefits on travel bookings made form MakeMyTrip.com which includes ₹ 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 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 ₹ 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

5. Jet Airways American Express Platinum Credit Card

This card is not available on Paisabazaar.com. Kindly visit American Express official website to apply.

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 ₹ 5,000 and the annual fees charged on this credit card from the second year onwards is ₹ 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 ₹ 100 spent.
• Enjoy complimentary lounge access at leading domestic airports.
• Enjoy Dedicated Check in & Excess Baggage Waiver of 5 kg 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, 24×7 concierge services to arrange gift/flower deliveries, ticket booking s for movies, restaurant reservations and much more.

Terms & Conditions Apply

Eligibility Criteria-

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

6. American Express Platinum Charge Card

This card is not available on Paisabazaar.com. Kindly visit American Express official website to apply.

It is a premium credit card which is available at an annual fee of ₹ 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 Hotels Palaces Resorts Safaris, 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 ₹ 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 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.

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

Type of Fee/Charge	Amount
Supplementary Card Fee	₹ 1,500
Over limit charge	₹ 500
Currency Conversion Factor Assessment	3.50%
Finance Charges	1.99% – 3.5% per month*
Duplicate Statement Fee	₹ 100 per statement for statements older than 3 months
Cheque/ECS/NACH Return Fee	₹ 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 ₹ 10

*Varies from one credit card to another.

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.
American Express Gold Card	1 Membership Rewards® Point for every ₹ 50 spent except for expenses made on fuel, insurance, utilities and cash transactions.	N/A
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
Jet Airways American Express® Platinum Credit Card	8 JPMiles for every ₹ 150 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions.	16 JPMiles for every Rs. 150 spent for booking revenue tickets on www.jetairways.com.
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.

You can easily apply for American Express Credit Cards at Paisabazaar.com. Follow the steps given below to apply-

Step 1- Visit the credit card section on Paisabazaar.com.
Step 2- Enter your basic details like occupation, monthly income, city and contact number.
Step 3- Filter the results for American Express credit card by selecting the same.
Step 4- Compare the features and benefits on different Amex Credit Cards and select one.
Step 5- After you have selected a card, you must check your eligibility for the card by entering some more details.
Step 6- If you are eligible, you can complete the online application.

Once you have completed 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 within 15 days.

Alternately, you can directly apply from the official website of American Express or visiting their nearest branch.

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:

1- 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.

2- 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. American Express Gold Card is a type of charge card.

3- 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.

4- 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.

5- What are the different ways of paying Amex credit card bill?
Card holders can pay their Amex credit card bills through several modes, namely-

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

6- 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.

7- 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.

8- 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.

9- 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.

10- 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.

11- 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.

12- 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.

13- 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.