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American Express® Charge Cards


American Express Charge Cards provide flexibility and a personalised spending experience that rewards your lifestyle. These cards are a unique offering with seamless service topped up with fantastic rewards.  



What Is A Charge Card?


American Express Charge Cards include privileges that are designed to enhance every aspect of your jetsetter life, such as air miles, hotel accommodation, and shopping vouchers. They also offer complimentary elite tier membership, hotel room upgrades, access to exclusive benefits, and much more. All you need to do to earn these amazing   rewards is to simply use the card. 


Charge Cards with no pre-set spending limit


American Express Charge Card comes with no pre-set spending limit4, offering you a higher purchasing power and the flexibility to spend be it a family wedding, or your dream vacation, the flexibility provided by a charge card is unmatched.    


World of Privileges with Amex Charge Cards


Besides providing greater flexibility in spending, Amex Charge Cards come with a bouquet of  features and 24-Hrs Card related assistance on any card related query.


24X7 dedicated Platinum Concierge


  • Assisting with locating or sourcing goods
  • Assisting with personal arrangements
  •  Organising personal events on personal occasions 
  • Dining reservations
  • Golf Bookings
  • Gift and flower delivery
  • Movie and theatre ticket bookings
  • Reservations for 'By Invitation Only' events and much more


Travel Benefits


  • Airline Benefits:
    From airline tickets to airport pick-ups, from car rentals to privileged check-ins and hotel reservations, call us or book through Platinum Travel Services. Enjoy exclusive rates & discounts with leading airlines like Air India and Etihad through our Airline Partner Program. 

  • Global Lounge Collection:
    As an American Express   Platinum Card Member, you can enjoy lounge benefits worth INR 35,000* at 1,200+ airport lounges including the Centurion® Lounge, and the International American Express lounges, or visit one of our partners including Delta Sky Club® when flying Delta or a Priority Pass™ Lounge.

  • Fine Hotels and Resorts:
    Enjoy competitive rates and complimentary offers at over 1000 extraordinary properties worldwide when you book through Platinum Travel Services


No Pre-Set spending limit


With American Express Charge Cards, you don’t have to worry about the credit limit while making purchases.The amount you can spend in a period is evaluated periodically and you are required to pay the due amount in full at the end of every Billing Cycle. 


Earn Membership Rewards® Points


As an American Express Charge Card Member, the more you spend, the more Membership Rewards ® points you accumulate. You can redeem your points from over 550+ exciting redemption options . They can also be transferred to other loyalty programmes such as airlines (frequent flyer programmes) and hotels (frequent guest programmes).


Manage your account online or on your mobile


You can view and manage your account anywhere in the world. You can do so by using your Online Card Account or by using the American Express App.


How to apply for a Charge Card


Just follow these steps to apply for your Amex Charge Card online:


  1. Select the right charge card for you. Currently, the Amex Charge Cards being offered are American Express® Platinum Card and American Express® Gold Card . Follow their links to know more about them. 

  2. Once you have selected the card best suited to your lifestyle, click ‘Apply Now’ on the respective page.

  3. You will see the additional eligibility criteria for the card. If you qualify them, proceed to fill in your personal information in the given form.

  4. After filling your personal, financial, and additional information, it will allow you to review the form and submit. All the information that you enter here is safe and stored securely.

  5. Once submitted, you will see a message on the computer screen confirming the same. You will also receive an acknowledgement email from American Express within one working day, along with the next steps.

  6. Congratulations! You are all set to receive your American Express Charge Card subject to the approval of your application.

Compare Charge Cards

Welcome Gift2 of 1,00,000 Bonus Membership Rewards Points or get stay vouchers worth INR 45,000##  from Taj, SeleQtions and Vivanta

Annual Fee Rs. 60,000 plus applicable taxes
  • 'Do Anything'5 Platinum Concierge
  • 'By Invitation Only' Events
  • Exclusive savings and benefits with the Airline Partner Programme
  • A new uniquely crafted Metal Card that promises to stand out in every sense
  • Earn 3X Membership Rewards Points when you spend Overseas




Welcome Gift1 of 4,000 Bonus Membership Rewards® Points
First Year fee : Rs. 1,000 plus applicable taxes
Second Year Fee : Rs. 4,500 plus applicable taxes
  • Earn 1,000 Bonus Membership Rewards Points when you complete 6 transactions each worth Rs. 1,000 or more every month.
  • Redeem Points from the fabulous 18 and 24 Karat Gold Collection3
  • Enjoy greater Flexibility in spending with 'no pre-set-limit'4.
  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal
  • Points Calculator6


Exclusive Offers You Can Enjoy


American Express Platinum Card

  • Hotel Rewards Membership Enjoy complimentary membership with your Amex Platinum Card to Hilton Honors Gold status, Shangri-La Golden Circle’s Jade tier, Taj InnerCircle Silver Tier, and Epicure, Marriott Bonvoy™ Gold Elite Status, Radisson RewardsTM Gold Elite status, and Hertz Gold Plus Rewards.

  • 3X Membership Rewards Points on overseas purchases Shop abroad, and earn triple the points when you use Amex Platinum Card. There is no minimum transaction amount to avail the offer, and your Membership Rewards Points never expire.


American Express Gold Card

  • Fabulous 18 and 24 Karat Gold Collection3 to choose from when you decide to redeem your Amex Gold Card points. You get to select from 500+ options, including leading airlines, hotels, jewellery, electronics, and more. 
  • Pay with your Amex Gold Card and avail a 20% discount every time you dine at the select partner restaurants. To know more click here.

What do you want from a Card?

Everyone’s different, so you need a Card that has benefits that best suit your lifestyle.
Choose the Card with benefits that best suit you.

American Express® Platinum Card


Enjoy premium benefits and service

American Express Platinum ReserveSM Credit Card

Maximise rewards

for every trip

American Express® Gold Card

Access to an exclusive Gold Collection

American Express Smart Earn™ Credit Card


Maximize reward points on everyday spends

American Express Membership Rewards® Card

More value for your spends with bonus points

American Express® Platinum Travel Card

Enjoy travel rewards


Want to learn more about Charge Cards?

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Difference between Charge and Credit Cards


Difference Between American Express Credit Cards and Charge Cards


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Understanding Fees


Everything you should know about Credit and Charge Cards fees



1. Welcome Gift is available only in the 1st year on payment of the annual fee and on spending INR 10,000 within 90 days of cardmembership   With effect from 20th October 2014, you will no longer 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. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Other 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. 


2.  You will receive the welcome gift within 6-8 weeks of payment of annual fee and upon spending INR 90,000 in first 3 months of Cardmembership. For Cards issued effective 15th July 2020 welcome gift will be credited within 6-8 weeks of payment of annual fee and upon spending INR 50,000 in first 2 months of Cardmembership


3. 24,000 Points / 24 Karat Gold Collection:

  • Taj Voucher worth Rs. 14,000
  • Tanishq Voucher  worth Rs. 10,000
  • Statement Credit worth Rs. 9,000

18,000 Points / 18 Karat Gold Collection

  • Taj Voucher worth Rs. 9,000
  • Amazon Gift Card worth Rs.7,000
  • Statement Credit worth Rs.6,000
  • American Express Domestic Travel Online Voucher worth Rs. 7,000


4.  This means that your charges are approved basis your spending pattern, financials, credit record and account history. Please note that ‘no pre-set limit’ does not mean your spending is unlimited 


5. Ask and it’s done by Platinum Concierge
– Assistance with locating or sourcing goods/services at home or abroad
– Assistance with personal arrangements while at home or abroad 
– Organising events on personal occasions
– Dining reservations
– Golf bookings
– Gift and flower delivery 
– Movie and theatre ticket bookings
– Reservations for 'By Invitation Only' events.
And much more.


6.  Points Calculator                                                                      Points Accumulated     

Bonus Points on using your Card 6 times a month*                   12,000 Points     

First Year Card Renewal^^                                                              5,000 Points     

Standing Instructions** Bonus for the first bill payment            1,000 Points     

 Total                                                                                                    18,000 Points     

Points earned on regular spending#                                              6,000 Points   

 Total                                                                                                    24,000 Points

* You will earn 1,000 Bonus Membership Rewards Points when you complete 6 transactions worth ₹1,000 or more in month on your American Express Gold Card.


** Earn 1,000 Points by successfully completing your first transaction within the initial 150 days of your Card membership. Standing instructions form is enclosed with this pack.


# Points earned on eligible purchase of ₹3,00,000 where you earn 1 Membership Rewards Point on every ₹50 spent. You do not earn any Membership Rewards Points for your spending on Fuel, insurance, utility bill payments and cash transactions. Fuel include petrol, diesel, CNG from Oil Marketing Companies(OMCs). Other utility services include 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.


^^ These Points will be credited to your Account after 90 days post the Card renewal month. Applicable on payment of renewal fee.## This is effective 1st November, 2019