Welcome aboard.

Your journey to a rewarding life starts here.

Apply Now

Getting started is easy with your new American Express SmartEarn^TM Credit Card Benefits.

Here is some helpful information related to your Card.

Calculate how your spending on shopping, dining, travel and more can add up to rewards.

Activating your Card

Activate your Card and select a PIN via any the following ways:

Download the American Express^® App.
Enter Card Details. Create User ID and Password.
Set a PIN of your choice and Activate your Card.
If you already have the Amex App, log in and go to ‘Account’ tab and select ‘Activate and Add Card to your Account’ option.

Manage your Card account on-the-go, and get more done with a few taps on the American Express App

Enjoy quick & secure access with just your fingerprint.
Set up real-time purchase alerts, spend tracking alerts, payment due date reminders, and weekly balance alert.
Access last 6 months’ statements in a simple PDF format.
View and redeem the reward points you have earned.
Reset your Online Account User ID or Password.
Block your Card temporarily if you have misplaced it*.
Chat with us on the App for quick support.
View, change, or unlock your PIN. Know more

Click below to download or give us a missed call at 7043337788 to receive a download link on your mobile phone.

Download App

Register for online services at americanexpress.com.in/activate
Set a PIN of your choice and activate your Card.

View your Account balance and pay your bill online
Set up SMS and email alerts to help keep up to date
Register for special offers and updates
View, change or unlock your PIN. Know more.
Track your Membership Rewards^® Points balance

Call the helpline number.
Follow the IVR to set a PIN of your choice and activate your Card.

Using your Card

You can easily manage and control the following domestic and international Card transaction types:

In-store/point of sale (Chip)
Online Websites and Mobile Apps
Contactless - Tap and Pay
ATM*

You can manage the controls in 3 easy steps:

1. Log in to your Online Card Account or Amex App
2. Go to ‘Account Management’ (Online Account) or ‘Account’ (App)
3. Go to ‘Transaction Security Settings’ to manage and modify your transactions security settings

Once saved, the transaction settings will be effective immediately on your Card.

If your Card gets renewed or replaced in the future, onlyin-store/point of sale (Chip), and ATM transactions within India will beenabled by default. You will be required to enable online, international, andcontactless transactions on your Card by following the steps above.

Refer to the FAQ page should you have any queries.

*You need to be enrolled in the Express Cash facility to withdraw cash from ATMs. International ATMs transaction may be enabled basisyour international spend behavior.

Please be aware that , Cash withdrawal services on your American Express Card have been temporarily paused in India, effective 31st January 2022. However,
you may still avail the service in international locations.

Manage your settings

Enjoy special cashbacks, discounts, and Bonus points when you travel, shop, dine or do a lot more with your American Express® Credit Card.

Terms and conditions apply

Know More

Your Cardmembership opens up the world to you with your Card being accepted online, on your street and all over the world. You can use your Card for practically anything and everything, across purchases such as:

Shopping
Dining
Travel
Online
Education
Utilities
Fuel
Entertainment

Saving your new American Express Card details at your favourite online retailers is the most convenient way to quickly make purchases online. Check out faster whenever you shop online at places like Amazon, Flipkart, Myntra, Uber, Swiggy, Paytm, Big Basket, BookMyShow and many more

Managing your Card

Once you register for Online Account Services, you can easily access your Card Statement. To ensure your payment due date is set to one convenient for you, please contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment, please make the payment before requesting any change.

You can pay your Card bill through any of the following ways:

Online Funds Transfer: NEFT
Online Payment : Debit card powered by Rupay; UPI/BHIM-UPI; UPI QR Code/BHIM-UPI QR Code
Recurring Direct Debit/NACH
Drop Boxes
Courier

Know More

Stay on top of your Account with our wide range of alerts – from balance updates, real-time transaction alerts to payment due date reminders.

You can do this by logging into your account and setting up the alerts of your choice.

You can also set up push notifications through the Amex App.

Set up alerts

If your Card is lost, stolen, damaged or not received you can order a replacement Card for yourself or your additional Cardmembers on your Account by calling up Customer Care. Know more

Offers to discover

Enjoy special cashbacks, discounts, and Bonus points when you travel, shop, dine or do a lot more with your American Express® Credit Card.

Explore Now

Shopping made rewarding with 2X Bonus points.

Shop with your favourite brands on Reward Multiplier and earn extra reward points every time you pay using your American Express® Card.

Shop now

The American Express App

View your reward points, set up alerts and manage your account on the go with the Amex App

Download Now

For Frequently Asked Questions, please visit the Help Center

Make your life more rewarding

WELCOME GIFT

With your American Express SmartEarn Credit Card earn points on the things you buy every day. To help you kick-start your journey, get Rs. 500 cashback as Welcome Gift in the form of statement credit on eligible spends¹ of INR 10,000 in the first 90 days of Cardmembership.

LOW ANNUAL FEES

Get more value out of your Cardmembership with an annul fee as low as INR 495+ taxes per year.

You can roll over to the next year with a waiver on your annual fee. All you need is an eligible spend of INR 40,000 and above in the previous year of your Cardmembership.

EVERY SPEND MADE REWARDING

Enjoy an exclusive selection of offers across retail, wellness, dining, travel and more.

Explore Now

Make everyday spends more rewarding

We know everyday expenses can add up, but with the American Express SmartEarn Credit Card, here’s a chance to make them more exciting!

Here's how you can unlock rewards as you go about your daily chores and purchases -

For every INR 50 you spend, earn 1 Membership Reward point²
Get more out of your everyday purchases, with 10X and 5X points on your spends at a host of merchants
Refer a friend and earn 5000 points on each successful referral³

You can earn up to 1,250 Membership Rewards points on the American Express SmartEarn Credit Card every month by spending only INR 7,500

On Spending INR 2500 in a month on our 10X Partner (Flipkart or Amazon), you can earn 500 Membership Rewards points
On Spending INR 2500 in a month on our 10X Partner (Uber), you can earn 500 Membership Rewards points
On Spending INR 2500 in a month on our 5X Partners, you can earn 250 Membership Rewards points

So now, spend more and enjoy accelerated benefits with your American Express SmartEarn Credit Card.

Note: Effective 01 July 2021, you will earn 10X Membership Rewards points on Amazon and 5X Membership Rewards points on Paytm Wallet.

Earn vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a Cardmembership year. Click here to know more.

Redeeming is easy rewarding.

Enjoy more ways to spend your Membership Rewards points by redeeming your points from the Membership Rewards Catalog.

Choose from our wide selection of shopping categories and exchange your points for gift cards or eVouchers.

You can also Pay for your Card charges using Membership Rewards Points.

Explore Rewards Catalogue

1.Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends. Welcome Gift is available only in the first year on payment of the annual fee.

2. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards. Effective February 1, 2020, you would not earn Membership Rewards® points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you would continue to earn Membership Rewards® points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.

3. Limited period offer. Terms and conditions apply

Earn 10X Membership Rewards Points for all expenses made on Flipkart, Amazon and Uber!

From seamlessly moving around the city in the comfort of your taxi to saving time by making purchases online, here are two partners who reward you 10X Membership Reward Points for your expenses!

Earn 10X Membership Rewards points on Flipkart, Amazon, and Uber. 10X Membership Rewards points will be capped at 500 points per month per Card Account jointly for Flipkart and Amazon.10X Membership Rewards points will be capped at 500 points per month per Card Account for Uber.

Note: Effective 01 July 2021, you will earn 10X Membership Rewards points on Amazon and 5X Membership Rewards points on Paytm Wallet.

10X Membership Rewards points partners:

Unlock everyday rewards with 5X Reward Points

Your essentials are now more rewarding as you earn 5X Membership Rewards Points for all your everyday expenses like groceries, online shopping, cabs, movies, dining and more.

5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together.

Note: Effective 01 July 2021, you will earn 10X Membership Rewards points on Amazon and 5X Membership Rewards points on Paytm Wallet.

5X Membership Rewards points partners:

Groceries

Movies

Online Shopping

Online Wallet

Note: 5X Membership Rewards points is applicable on Paytm Wallet.

Shop at your favorite merchants and pay as you please

Enjoy a simple and smart way to turn your big purchases at top merchants like Amazon, Flipkart etc. into Easy Monthly Installments, with the ease of your American Express^® Credit Card.

Find out more

Explore our latest EMI offers on Sony, LG, Bose and more

Explore Offers

POST-PURCHASE EMI

Missed out on choosing EMI option at the store location? Convert your big purchaes into EMI -

SMS EMI to 5616166
Email us at emi@aexp.com
Call our 24X7 customer service number

LOW INTEREST RATES

Enjoy a simple and smart way to turn your big purchases into equated monthly installments, with the ease of your American Express Credit Card. With interest rates as low as 14%, you can enjoy shopping without any worries.

HASSLE-FREE PAYMENTS

Choose to repay your loan amount before the tenure without having to worry about foreclosure charges.

With our backing, don't let the hassles of documentation hold you back.

Services and conveniences on your Card

Your Card is power packed with features that are designed for your convenience.

From flexible payment options, add-on Cards to maximize your benefits, to 24X7 assistance, with the powerful backing of American Express, you can enjoy your Cardmembership seamlessly.

Quick links to your service account.

Request a replacement Card

Request for a new Card in case your last Card was misplaced, stolen, damaged or never received.

Download Statements

View and download last 6 months statements to stay on top of all your purchases.

Manage your PIN

Create, view or change your PIN with a few simple steps

Dispute a Charge

Open a billing dispute for charges you do not recognize and incorrect charges.

These are the services that you can enjoy with your Card -

You can call us 24/7 for any Card related assistance that you may need like emergency Card replacement, dispute resolution, insurances, settling instructions and more.

Stay protected from any fraud arising out of any unauthorized use of the Credit Card. Report within 3 working days and your liability to American Express shall be nil*.

Life is full of surprises and uncertainties. Therefore, brace yourself with the Emergency Card Replacement Service, which, in case of a lost, stolen or damaged Card, promptly replaces it with a new one.

Cardmember liability is 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 Rs. 1,000. For further details, please refer MITC

0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.

Your American Express Card may be enabled for contactless payments. To see if your Card is contactless, look for the contactless symbol network on the front and back of your Card. To make a Contactless purchase, touch your Card on the front of the specially marked American Express Contactless reader. For purchases of less than Rs.5,000*, you will not need to enter your Personal Identification Number (PIN) or sign. To know more visit here

*Please be advised that few of our merchant terminals are still undergoing the upgrade process, to support Contactless Transactions upto INR 5000, without PIN authentication. We regret inconvenience, caused, if any, during this transition period.

Welcome aboard.

Your journey to a rewarding life starts here.

Getting started is easy with your new American Express SmartEarnTM Credit Card Benefits.

Here is some helpful information related to your Card.

Activating your Card

Using your Card

Managing your Card

Offers to discover

Shopping made rewarding with 2X Bonus points.

The American Express App

Make your life more rewarding

WELCOME GIFT

LOW ANNUAL FEES

EVERY SPEND MADE REWARDING

Make everyday spends more rewarding

Redeeming is easy rewarding.

Earn 10X Membership Rewards Points for all expenses made on Flipkart, Amazon and Uber!

10X Membership Rewards points partners:

Unlock everyday rewards with 5X Reward Points

5X Membership Rewards points partners:

Groceries

Movies

Online Shopping

Online Wallet

Shop at your favorite merchants and pay as you please

Explore our latest EMI offers on Sony, LG, Bose and more

POST-PURCHASE EMI

LOW INTEREST RATES

HASSLE-FREE PAYMENTS

Services and conveniences on your Card

Quick links to your service account.

Request a replacement Card

Download Statements

Manage your PIN

Dispute a Charge

Getting started is easy with your new American Express SmartEarn^TM Credit Card Benefits.