american express india charge card

American Express® Charge Cards

Discover the unique offerings of Charge Cards. Explore the benefits of one of the most powerful rewards programs. American Express Charge Cards are a unique offering and the perfect choice for great service with fantastic rewards. Enjoy greater flexibility in spending with "no pre-set" limit. 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.

Why choose  American Express Charge Card?

 

The  American Express® Gold Card offers you one of the biggest cache of rewards to choose from - the Membership Rewards Gold Collection plus the American Express Membership Rewards Programme which includes over 550 exciting redemption options to choose from including free flights, hotel accommodation, shopping vouchers and more.

 

 American Express® Platinum Card has provided unique experiences, travel benefits, dedicated service and privileges. Also, enjoy complimentary elite tier membership, upgrades, access to special benefits and more. Embark on your travel adventures in style with premium privileges reserved exclusively for the jet-setter in you.

 

american express india charge cards

Our Charge Cards

Welcome Gift2 of 1,00,000 Bonus Membership Rewards Points or get stay vouchers worth INR 45,000## from Taj Hotels Palaces Resorts Safaris
 
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

What is a Charge Card

 

American Express Charge Card gives you the privilege to enhance your gamut of experiences when it comes to living your life. A charge card is like a credit card that has no pre-set limit. A ‘no pre-set’ credit limit would mean that the bank doesn’t impose a fixed maximum amount you can spend. Instead American Express will evaluate your financial stability periodically, in order to determine your limit for that period. Unlike a credit card, a charge card requires you to pay the due amount in full at the end of every Billing Cycle. For e.g., if you spend INR 50,000 on your purchases using AMEX Charge Card, you will need to pay the entire INR 50,000 billed to you in that Billing Month. In case of a partial or no payment, a late payment fee will be applied to your account.

 

 

Features and Benefits of AMEX Charge Cards

 

Besides providing greater flexibility in spending, American Express® Platinum Card and American Express® Gold Card come with a bouquet of extra features and 24-Hrs Card related assistance.

 

 

American Express Charge Cards offer you:

 

 Platinum Services on American Express® Platinum Card

  •  Platinum Concierge
  • Platinum Travel Services
  • 24-hour Card Related Assistance
  • Global Assist
  • Travel Emergency AssistancePlatinum Protection

 

 Gold Services on American Express® Gold Card

  • 24-hour Card Related Assistance
  • Dispute Resolution
  • Zero lost Card liability
  • Emergency Card Replacement
  • 2 Complimentary Supplementary Gold Cards

 

Eligibility

 

To save time, use the following checklist to see if you meet our standard eligibility criteria:

 

Eligibility

 

 

I am aged 18 or over 

I have no history of bad debt

I have a permanent Indian home address 

I have an Indian or multinational bank's savings or current account in India

If Self-Employed, your company should have been trading for at least 18 months (or 12 months if you hold an existing American Express issued Card).

 

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.

 

Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your card.

How to Apply for a Charge Card

 

Applying for an American Express Charge Card is fairly easy. Following are the steps to apply for AMEX Charge Card Online:

 

  1. Select the American Express Charge Card that suits your need. Currently, the Charge Cards being offered are  American Express® Platinum Card and American Express® Gold Card 

  2. Once you have selected the right card, 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 mail from American Express within one working day along with next steps

  6. Congrats! You are all set to receive your American Express Charge Card subject to the approval of your application.
american express india apply for charge cards

American Express Charge Cards offers

 

 American Express® Platinum Card
 

Your AMEX Platinum Card comes with additional features and exciting offers:

 

  • Welcome Gift of 1,00,000 Bonus Membership Rewards® Points2 or get stay vouchers worth INR 45,000 from Taj Hotels Palaces Resorts Safaris.

  •  'Do Anything'5 Platinum Concierge:  
    Experience personalized services such as assistance with personal arrangements, golf bookings, gift and flower delivery, dining reservations and much more.

  • 'By Invitation Only' Events: 
    Get a reservation for ‘Invitation Only’ events.

  • Exclusive Savings and Benefits with the Airline Partner Programme: 
    From airline tickets to airport pick-ups, from car rentals to privileged check-ins and hotel reservations, call us, and we will take care of the rest. Enjoy exclusive rates & discounts with leading airlines like Air India and Etihad through our Airline Partner Program that offer an average total value of INR 56,0002.

  • Global Lounge Collection: 
     Enjoy lounge benefits worth INR 36,0002 at over 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.

  • Hotel Rewards Membership: 
    Enjoy complimentary membership 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 3X points when you use AMEX Platinum Card. There is no minimum transaction amount to avail the offer.

  • Points Never Expire: 
     Earn 1 Membership Rewards Point for every Rs 40 spent except for fuel, utilities and insurance. Points earned on the supplementary card are also credited to your account.


American Express® Gold Card


Your American Express Gold Card comes with these additional features and exciting offers:
 

  • Receive a Welcome Gift of 4,000 Bonus Membership Rewards® Points after you pay your annual fee and upon spending INR 25,000 within 60 days of Card Membership.

  • Receive 1,000 Bonus Membership 
    Rewards Points when you complete 6 transactions each worth Rs. 1,000 or more every calendar month with your AMEX Gold Card.

  • Redeem Points from the fabulous 18 and 24 Karat Gold Collection
    You get to choose from 500+ options including leading airlines, hotels, jewellery, electronics and more.      

  • Avail 20% discount every time you dine at the select partner restaurants. To know more click here

  • Enjoy greater flexibility in spending with ’no pre-set’ limit. 
  • Enjoy access to valuable travel benefits under The Hotel Collection.  Get special benefits like room upgrade (where available) and hotel credit when you stay two consecutive nights at over 400 hotels worldwide including Hilton Hotels, Intercontinental and Hyatt Hotels.

  • Receive 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

  • Enjoy exclusive Gold Services which include:
  1. 24x7 Card related assistance
  2. Dispute Resolution
  3.  Limited Liability
  4. Emergency Card Replacement
  5.  Two supplementary Gold Cards at no additional cost

 

Explore All Cards by Category

Travel Cards

 

Enjoy all the benefits, convenience and security of  American Express® Card – with the added bonus of earning points for travel when you use your Card

SOME OF OUR TRAVEL REWARD  CARDS.

Premium Cards

 

 

Looking for something special? Then consider one of our Premium Cards to experience a level of membership that complements and enhances your lifestyle.

Rewards Cards

 

Get all the convenience and security of an American Express Card while earning Membership Rewards Points.

Credit and Charge Cards Explained

 

Interest rates, APR, annual fees, rates and percentages left you feeling confused? 
Our simple Credit and Charge Card Guides are a great place to start.

 

American Express Benefits

american express india fraud and shopping protection

FRAUD AND SHOPPING PROTECTION

Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your card.



 

WORLD CLASS CUSTOMER SERVICE

Access to our customer service is available 24/7 by phone, text or email.




 
american express india contactless payments

CONTACTLESS PAYMENTS

Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay and Apple PayTM you can even pay with your phone.

 

Find a type of card to suit your needs

 

Explore our range of Cards - you're bound to find something to suits your needs and lifestyle.

 

 

 

Footnotes:

 

1. Welcome Gift is available only in the 1st year on payment of the annual fee and on spending INR 2,000 within 60 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. 

 

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

  • American Express Domestic Travel Online voucher worth Rs. 11,000
  • Bose Sound Link Color II Bluetooth Speaker
  • Statement Credit worth Rs. 10,000

18,000 Points / 18 Karat Gold Collection Statement

  • Credit worth Rs. 7,500
  • Amazon Gift Card worth Rs. 8,000
  • Tanishq Voucher worth Rs. 7,500

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