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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 12/04/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 12/04/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :12/04/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :12/04/2021

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हिंदी में पढ़े
Updated: 18-03-2021 09:15:41 AM

Here are some of the top American Express® Credit Cards. The cards are best suited for individuals who are looking for reward points and benefits on shopping and travel.

Best American Express® Credit Cards in India for 2021

Credit CardAnnual Fee (in Rs.)Best Suited ForMinimum Income Required*
The American Express® Membership Rewards Credit Card4,500 + GSTRewardsRs. 40,000 per month
American Express® Platinum ReserveSM Credit Card10,000 + GSTMovies and Lounge AccessRs. 50,001 per month
The American Express® Platinum Travel Credit Card5,000 + GSTTravelRs. 50,001 per month
American Express® SmartEarn Credit Card495 + GSTRewards and Online ShoppingRs. 4.5 Lakh per year
American Express® Platinum Card60,000 + GSTInternational TravelRs. 25 Lakh per year

*The minimum income shown above is for salaried applicants. Income and other eligibility criteria may vary for self-employed individuals.

American Express® Credit Card Features and Benefits

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 details of top credit cards from American Express®.

The American Express® Membership Rewards Credit Card

American-Express-Membership-Rewards-Credit-Card
*Terms and Conditions Apply

Card Details
Should you get this card?

Card Details

Welcome Gift – 4,000 Bonus Membership Rewards Points

Renewal Benefit – Get 5,000 bonus membership reward points on first-year card renewal

Rewards – 1 Membership Rewards® Point for every Rs. 50 spent across all categories except fuel, insurance, utilities, cash withdrawal and EMI Conversion at POS.

Reward Redemption – Redeem your reward points under the 18 carat and 24-carat gold collection schemes

Dining Discount – Up to 20% discount at partner restaurants

Lost Card Liability Cover – Lost card liability cover along with emergency card replacement facility

Add-on Cards – Avail two Supplementary (Add-on) Membership Rewards® Credit Cards at no additional cost

Read More Details
Check Eligibility for this card

Should you get this card?

The American Express® Membership Rewards Credit Card would be the right card for you if:

  • You put a majority of your monthly expenses on credit cards
  • You would prefer reward points over cashback
  • You are ready to pay an annual fee of Rs. 4,500
  • You do not seek any benefits on fuel, entertainment or utilities
SIMILAR REWARDS CREDIT CARDS
Citibank Rewards Credit CardSBI Card PRIME
10 Reward Points for every Rs. 125 spent at apparel and department stores
Know more about this card		10 reward points per Rs. 100 on dining, groceries, departmental stores, and movies
Know more about this card

American Express® Platinum ReserveSM Credit Card

American-Express-Platinum-ReserveSM-Credit-Card
*Terms and Conditions Apply

Card Details
Should you get this card?

Card Details

Welcome Gift – 11,000 bonus Membership Reward points

Priority Pass Membership – Complimentary Priority Pass Membership and access to American Express lounges

Healthcare Benefits – 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 – Up to 20% discount and faster rewards points accumulation at partner restaurants and merchants globally

Hotel Benefits – Privileges at Taj Hotels Palaces Resorts Safaris: Preferred Hotel Group

Vouchers – Movies or online shopping vouchers worth Rs. 6,000 every year

Rewards – 1 Membership Reward Point per Rs. 50 spent (except on fuel, utilities, cash withdrawal, EMIs at POS and insurance payments)

Reward Redemption – Redeem the accumulated Membership Reward Points against 500+ options in dining, accessories and other categories

Read More Details
Check Eligibility for this card

Should you get this card?

American Express® Platinum ReserveSM Credit Card is a premium card and would be a good addition to your wallet if:

  • You travel frequently and would like to enjoy benefits on lounges and hotels
  • You are willing to pay an annual fee of Rs. 10,000 for an extensive range of benefits
  • You put several expenses on your credit card in a month and would like to be rewarded for the same
SIMILAR PREMIUM CREDIT CARDS
SBI Card EliteStandard Chartered Emirates World
Complimentary Priority Pass Membership and Club Vistara Silver Membership
Know more about this card		Earn Skyward Miles and get a return ticket to Dubai with just 27,500 Skywards Miles
Know more about this card

The American Express® Platinum Travel Credit Card

The-American-Express-Platinum-Travel-Credit-Card
*Terms and Conditions Apply

Card Details
Should you get this card?

Card Details

Welcome Gift – 5,000 bonus Milestone reward points which can be redeemed against travel vouchers worth Rs. 3,500

Dining Discounts – Enjoy up to 20% discount on dining at premium restaurants

Milestone Benefits –

  • On spending Rs.1.90 lakhs in a year, get Travel Vouchers* worth over ₹ 6,360
  • On spending Rs. 4 Lakh in a year, get Travel Vouchers worth Rs. 9,440
  • Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels

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

Additional Benefits – 2 free supplementary cards, Zero Lost Card Liability, pay-in-parts privilege wherein you can create EMIs for certain purchases, 24*7 platinum assist and emergency card replacement anywhere across the world

Card Terms & Conditions

Read More Details
Check Eligibility for this card

Should you get this card?

You should apply for The American Express® Platinum Travel Credit Card if:

  • You are a frequent traveler and would like to save more on your trips
  • You are a heavy spender and can make the most of milestone benefits offered on the card
  • You are willing to pay an annual fee of Rs. 5,000 every year as there is no waiver condition on this card
SIMILAR TRAVEL CREDIT CARDS
Citi PremierMiles Credit CardAir India SBI Card Signature
Spend Rs. 1,000 or more in the first 60 days of and get 10,000 miles as a welcome gift.
Know more about this card		Welcome gift of 20,000 reward points and Air India Frequent Flyer Program membership
Know more about this card

American Express® SmartEarn Credit Card

American-Express-SmartEarn-Credit-Card
*Terms and Conditions Apply

Card Details
Should you get this card?

Card Details

Welcome Gift – Rs. 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 –

  • 10X reward points on Flipkart and Uber
  • 5X reward points on 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

Read More Details
Check Eligibility for this card

Should you get this card?

American Express® SmartEarn Credit Card is best suited for those who prefer online payment for most of their needs. You should get this card if:

  • You shop online on Flipkart and Amazon
  • You prefer Uber for your commuting needs
  • You would like a card to put big purchases on and convert into EMIs
  • You have little fuel expenses every month
SIMILAR REWARDS CREDIT CARDS
HDFC MoneyBack Credit CardStandard Chartered Platinum Rewards Card
Get 2X Reward Points for all your online spends
Know more about this card		Earn 5X rewards on hotel, fuel and dining
Know more about this card

American Express® Platinum Card

American-Express-Platinum-Card (2)
*Terms and Conditions Apply

Card Details
Should you get this card?

Card Details

American Express® Platinum Card is a charge card. This means the card has no predefined credit limit. American Express® evaluates your spending limit periodically. Any amount you spend on the card needs to be paid in full by the end of every billing cycle.

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

Read More Details
Check Eligibility for this card

Should you get this card?

American Express® SmartEarn Credit Card is best suited for those who prefer online payment for most of their needs. You should get this card if:

  • You shop online on Flipkart and Amazon
  • You prefer Uber for your commuting needs
  • You would like a card to put big purchases on and convert into EMIs
  • You have little fuel expenses every month
SIMILAR REWARDS CREDIT CARDS
HDFC MoneyBack Credit CardStandard Chartered Platinum Rewards Card
Get 2X Reward Points for all your online spends
Know more about this card		Earn 5X rewards on hotel, fuel and dining
Know more about this card
Read More on this Page
American Express® Credit Card Reward Program
American Express® Credit Card- Fees and Charges
American Express® Credit Card Eligibility and Documentation
How to Apply for American Express® Credit Cards
American Express® Credit Card Customer Care
American Express® Credit Card FAQs
American Express Credit Card - NEWS

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-

American Express® Credit CardReward PointsAccelerated/Bonus Rewards
American Express® Platinum ReserveSM Credit Card1 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 Card1 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 Card1 Membership Rewards Point for every ₹ 50 spent except for spends at Fuel, Insurance, Utilities and Cash Transactions.N/A
American Express® Platinum Card1 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- Fees and Charges

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.

Type of Fee/ChargeAmount
Supplementary Card FeeRs 1,500
Over limit chargeRs 500
Currency Conversion Factor Assessment3.50%
Finance Charges1.99% – 3.5% per month*
Duplicate Statement FeeRs 100 per statement for statements older than 3 months
Cheque/ECS/NACH Return FeeRs 250 per Returned Instrument
Surcharge on Purchase of Railway Ticket1.8% 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

CriteriaDetails
AgeAbove 18 years
OccupationAvailable to both Salaried and Self-employed
Minimum IncomeVaries from card to card
Active Credit HistoryMandatory
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents
Other
  • Applicant must have a savings/current account in an Indian or Multinational Bank
  • Applicant must have a permanent residential address in India
  • For Self-employed applicants, the business should be running for more than 12 months

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 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® 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 CardsContact Numbers
American Express® Platinum ReserveSM Credit Card1800 419 1030*
1800 180 1030
91-124-280-1030
American Express® Platinum Travel Credit Card1800 419 2122
0124-2801122
American Express® Membership Rewards Credit Card0124-280 1418
1800 419 0167
American< Express® Platinum Card1800 419 1255*
1800 180 1255

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:

Know More

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, 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)

American Express Credit Card - NEWS

MobiKwik in association with American Express have launched the MobiKwik Blue American Express Card.
10 November 2020
MobiKwik which provides Digital wallet and payment services has partnered with American Express to launch the MobiKwik Blue American Express Card. The card offers Rs. 10,000 credit limit at 0% interest rate. Users can also get up to Rs. 1 lakh of their MobiKwik wallet balance reflected on their card. 1% MobiKwik SuperCash on card purchases and other American Express benefits are also provided. As a welcome offer users will get Rs. 100 cashback on top e-retailer sites like Amazon till 14th November 2020.
American Express discontinues 0 annual fee variant of Gold Credit Card
20 October 2020
American Express gold credit card users will now have to pay Rs. 2,000 if they want to continue using the credit card. Current cardholders will have to notify American Express of this choice otherwise it will be replaced by a first-year free American Express SmartEarn credit card. An annual fee of Rs. 495 + taxes will be charged from next year onwards on the SmartEarn card.
American Express®® Credit Card
(4.7/5 ) 2494 Reviews
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Mar 9, 2020
5/5
EXCELLENT

Membership rewards card is the best card compared to any card of any other bank. I mean which bank gives you 1000 points by just making 4 transactions in 1 calender month ...? none amex roxx and the cx care is next level no other bank is even 10% of amex cx care ......without thinking twice just go for it

Jan 3, 2020
4/5
Low Annual Fee

The only credit card from American Express that comes with low Annual fee of Rs. 495 but offers amazing list of cashbacks and rewards that make it worth having

Jan 3, 2020
5/5
A perfect travel card

My job keeps me on my toes with frequent travels, thanks for American Express Platinum Travel Credit Card I get to enjoy lounge access on the days when my flights are painfully delayed

Jan 3, 2020
4/5
Good for rewards

Ever since i have got this card my spending have become rewarding with amazing rewards program that Amex membership rewards card offers.

Jan 3, 2020
5/5
Excellent card

Recently got this card and is amazed by its luxury features. Though the annual fee is little high but its worth spending as compared to the benefits that you get.

Aug 7, 2019
5/5
Pay in EMI facility

The Pay in EMI facility grants me a relaxed tenure of 6,9, 12 and 24 months to clear my dues.

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