Corporate Payment Solutions

The American Express^®Corporate Card

The American Express^®Corporate Card provides easy expense management and exemplary service to help you do business. Reap the benefits of Card Membership while paying for virtually all business expenses ranging from travel, hotel, and restaurants to couriers, office supplies and phone bills.

Contactless Payments

Effective March 06, 2017, your American Express Corporate Card may be enabled for contactless payments. To see if your Card is contactless, look for the contactless symbol on the front and back of your Card. To know more, click here.

Impressive Business Savings for your Company

Savings automatically become a part of your company’s itinerary when the American Express Corporate Card is employed.

Drive Business Savings Through Improved Supplier Negotiations

@Work gives you better visibility of what you spend and where you spend it, giving you the upper hand in contract and supplier negotiations enabling better expense management.

Expert Advice From A Single Point Of Contact

Identify business saving opportunities with a designated representative assigned to your account.

Your account executive will analyse your expense management program and develop an action plan for your business that includes:

Benchmarking practices

Simplifying processes

Supporting vendor negotiations

Flexible Controls, Better Protection

Enhance your Company's cost management with flexible billing and payment systems, while increasing compliance and spend visibility. Plus discover peace of mind with our Liability Protection options.

See Exactly Where Your Money Is Going

The American Express® Corporate Card Program is a powerful and flexible tool to maximise the efficiency of your expense management program.

Enjoy the flexibility of a variety of spending limit options, designed to control high-risk spending and enforce your Company's expense policies. Card restrictions include:

Overall spending limits

Industry specific spending limits

Cash access limits

Individual cardmembers

With American Express @Work you can get a clearer picture of your Company finances and unlock your cost management potential. A combination of unique financial tools - including best practice reports, options to customise reporting for your Company and enhanced data files that sync with your current financial systems allow you to see things others don't and get the most from your data.

With the power to coordinate bill payments with your Company's payroll periods and reimbursement schedules, your Company can greatly improve its financial efficiency. Cardmember statements can also be made the responsibility of individual cardmembers, significantly reducing your Company's administrative workload.

The American Express Corporate Card Program has several liability options, ranging from full Company responsibility for charges to full individual cardmember responsibility for charges.

Our fraud protection systems offer cardmembers the best in security and we provide you with the added benefit of Zero Lost Card Liability1. With the American Express Corporate Card Program you won’t be held responsible for any unauthorised charges made incase your card is lost or stolen.

Provided that the Card member has acted in good faith, his liability to American Express arising out of any unauthorized use of the Credit Card shall be nil if American Express receives the report within 3 working days of the fraud. If the fraud is reported beyond 3 working days then the maximum liability of the customer will be limited to INR 1000.

Online Management through @Work

Give your team the advantage with benefits and services including Membership Rewards®, travel insurance, global assistance, online account management, 24X7 helpline services to name just a few.

See The Whole Picture With Better Spend Visibility

American Express @Work is a business-to-business suite of online expense management solutions that enables you to deliver more effective supplier strategies, monitor compliance and streamline business processes. The result is significant cost control leading to business saving opportunities for your Company.

Take a tour of American Express @Work

The sophisticated reporting capabilities of American Express @Work allows you to review and analyse your expense data, identify spend patterns and consolidate expenditure with key suppliers. Choose from a range of product options including:

@Work Best Practice Reports: Customisable report templates enabling analysis of spend trends, monitor compliance and identify savings opportunities.

@Work Standard Reporting: Provides a set of 27 online pre-formatted Corporate Card reports which includes transaction analysis and data searches.

@Work Customised Reporting: Enables you to analyse and manipulate billed and unbilled data via customisable online reports. The complete set of tools allows you to query, filter and sort information.

@Work Data Integration: Our proprietary closed-loop network ensures worldwide delivery through a secured connection in addition to integration with your expense management and management information systems.

American Express @Work allows you to seize control of your expense management so you can pro-actively discover trends without having to go through confusing travel receipts, expense claims and personal credit card statements. Use @Work to:

Analyse data to drive compliance and identify business savings opportunities

View abnormal spend patterns and out of policy behaviour

Set and view cardmember limits

Customise, sort and manipulate your data according to your requirements

With online access to spend patterns by cardmember, date, industry, geography and supplier, @Work allows you to quickly uncover out-of-policy spend. Use @Work to: Endorse and mandate compliance

Configure reporting to comply with travel policy

Monitor compliance with preferred suppliers

You can easily look after your company's corporate card program, administering many aspects of your day-to-day business activity online. You can use @Work Online Program Management to complete tasks such as submitting and/or processing corporate card applications, change cardmember details and request a card replacement.

Benefits For Your Employees

Give your team the advantage with benefits and services including Membership Rewards^®, online account management improving your Company's accounting control and 24 x 7 global services to name just a few.

Attractive Rewards And Better Security

We know how important it is for organisations to retain the best staff. So we provide a range of Membership Rewards and services, including attractive benefits, for all your employees - from the occasional domestic traveller to the frequent international traveller.

Corporate Cardmembers can earn 1 Membership Rewards Point¹ for every Rs. 100 spent on Fuel, Telecom, Utilities and Insurance and 1 Membership Rewards Point for every Rs. 50 on all other spending.

Cardmembers can redeem points for gift vouchers or transfer points to air miles across international and domestic airlines, and Frequent Customer/Guest Programs with Hotel partners. Cardmembers can also redeem Points for a statement credit to cover their Card charges or can choose to pay with Points during the Safekey journey while making online payments or at a participating store via Point of Sale (‘POS’). Learn more