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American Express® Gift Cards. The Ideal Business Gift.
Frequently Asked Questions
Have questions about American Express Gift Cards? You can find answers here.
Is the Card a debit card or a credit card?
The Card is a prepaid payment device with an Indian Rupee value that is either printed on the front of the Card or a “variable load” amount that is selected at the time of purchase and is NON-reloadable. The Card is not a credit, charge or debit card. The Card is not redeemable for cash. The Card should not be used for unlawful purposes. The unspent amount of the initial value loaded/remaining onto your Gift Card is its “Available Balance.”
Is the Card ready to use immediately?
The Card will be activated within 24 hours of purchase. However, Cards purchased in bulk (multiple Cards in an order) by companies or company employees for business purposes will need to be activated by calling the toll free number mentioned on the purchase invoice. (Customer Care Services at 000 800 443 1188 (toll free)). The Card needs to be signed on the back before the recipient starts using it at retail points.
How is the Card used to make retail purchases?
The American Express Gift Card is warmly accepted at all merchants or retailers in India that accept the American Express Card (“Merchant”). Please present the Card to the cashier and specify that it is a Gift Card. The cashier will present you with two copies of a charge slip upon processing the payment. Please handover one copy to the cashier after signing it and retain the other for your records. The transaction is concluded after the cashier verifies your signature by comparing it with the one on the back of the Card.
What is the “valid thru” date on the front of the Card?
The “valid thru” date on the front of the Card is the date on which the Card automatically expires and by when the Available Balance on your Card must be used. This date is required to process transactions at Merchants that request an expiration date before accepting the Card. Also note that the Card is valid until the “valid thru” date shown on front of the Card or until the Available Balance on the Card has been exhausted, whichever is earlier. The Card cannot be used after its “valid thru” date or after the Available Balance has been exhausted. The Card is valid for a maximum period of 1 year. Please check for the expiry date as embossed on the front side of the Card.
If you or the purchaser have registered your Card for us to share updates on Available Balance, we will notify you of the expiry of the Card at least 30 days in advance of the “valid thru” date. If the Card Holder does not contact the Bank within 90 days of the expiry of the “valid thru” date, the remaining Available Balance will be forfeited. On the other hand when the Card Holder contacts the Bank within 90 days of the expiry of the “valid thru” date, American Express will issue a replacement Card, with the balance available on the expired Card, after deducting the applicable replacement fee and taxes. Please refer to the Schedule of Fees for details of applicable fees. Re-issuance of the Card to the Card Holder is subject to completion of relevant Know Your Customer process (“KYC”) on the Card Holder to the satisfaction of American Express.
Should the Card number and Customer Care Services number be
Yes, you should write down the Card number, along with the Customer Care Services number printed on the back of the Card and keep these in a safe place. You will need the Card number to check your Available Balance or replace the Card if it is lost or stolen.
Should the receipt from the purchase of the Card be kept?
We strongly recommend that you keep the receipt issued by the relevant Merchant after you have made a purchase from such Merchant. We may require this receipt if you request a refund, exchange or replacement of product/service from the Merchant (as per such Merchant's policies).
Where can the Card be used? Are there any usage restrictions?
The Card may be used at Merchants and retailers in India where American Express Cards are accepted for transactions (excluding transactions at ATMs). The Card is not a credit card nor is it linked to a deposit account with the Bank. Some Merchants may choose not to accept the Gift Cards. Please note that the Card cannot be used to obtain or redeem cash, at ATMs, or for making direct debit, or for recurring charges or regular installment payments (such as monthly utilities or subscriptions where recurring payments are required to be made on a periodic basis as per standing instructions). Car rental establishments may accept the Card at the end of the rental, but may not allow you to reserve a car with the Card. For details please call Customer Care Services at 000 800 443 1188 (toll free).
How can the balance on the Card be used?
The only way to use the Available Balance on the Gift Card is by making a purchase with the Card. Every time you do this, the full amount of the purchase, including taxes and any other fees, gets deducted from the Available Balance.
Can the Card be used if its Available Balance does not cover the total
No, the Card cannot be used to make transactions that exceed the Available Balance. For such a transaction, you need to use the Card only to the extent of Available Balance in the Card and pay the difference by another method if the Merchant agrees. Kindly note that to avoid disruption, you should advise the Merchant of the Available Balance before the Card is swiped. You may check your Available Balance at our website www.americanexpress.co.in/gift or by calling our Customer Care Services at 000 800 443 1188 (toll free). Even though ordinarily the Card cannot be used to make a purchase if the Available Balance is less than the purchase amount, if for some reason, a transaction occurs despite an insufficient Available Balance on the Gift Card, you agree to reimburse us, upon request, for the amount of the negative balance created on the Gift Card.
What if the Card is lost or stolen?
If the Card or Card number is lost or stolen, contact Customer Care Services at 000 800 443 1188 (toll free) for hotlisting or cancelling the Card. You must provide your name, address, Card number and other details for identification purposes. You agree to give us the required information to help make a complete investigation of the loss or theft of the Card. If the Card or Card number is lost or stolen, we will issue you a replacement Card with a value equal to the Available Balance on the Card at the time you notified us of the loss or theft, after deducting the applicable replacement fees and taxes (please refer to the Schedule of Fees for details). Issue of a replacement Card to the Card Holder is subject to completion of relevant KYC on the Card Holder to the satisfaction of American Express.
FURTHER NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM YOUR LOST OR STOLEN CARD BEFORE YOU NOTIFY US. American Express shall not be liable for any loss or misuse of the Card.
Can merchandise purchased with the Card be returned?
Merchandise purchased with the Card is subject to the Merchant's return policies. If the Merchant agrees to issue a credit to the Card that has not expired this amount may not be reflected in the Available Balance until the credit posts, which may take up to seven days. For expired Cards, the Merchant will not be able to post the credit for returned merchandise.
Can a charge made with the Card be disputed?
No. Purchases made with the Card are similar to those made with cash, in that you cannot “stop payment” or lodge a “billing dispute” on purchases made with the Card. Any problems or disputes you have regarding a purchase should be addressed directly with the Merchant. If you cannot resolve the dispute, you may call Customer Care Services at 000 800 443 1188 (toll free).
Can the usage of the Card be stopped?
The Bank may restrict or stop the use of the Card if suspicious activities are noticed or if the Card is misused.
Can the Card be used for transactions in foreign currency or for
transactions outside India?
No. The Card cannot be used for transactions in foreign currency and is available for use only within India for payment in Indian Rupees.