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American Express Charge Cards

American Express Charge Cards

Discover the unique offerings of Charge Cards. Explore the benefits of one of the most powerful rewards programmes

Why choose an American Express Charge Card?

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.

The American Express Gold Charge 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 600 exciting redemption options to choose from including free flights, hotel accommodation, shopping vouchers and more.

Since 2001, the American Express Platinum Charge 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.


Our Charge Cards

American Express® Gold Card

Welcome Gift of 4,000 Bonus Membership Rewards® Points First Year fee : Rs. 1,000 plus taxes (Second Year onwards : Rs. 4,500 plus taxes)
  • Additional Membership Rewards Points for simply using the Card
  • Redeem Points from the fabulous 18 and 24 Karat Gold Collection
  • Enjoy greater Flexibility in spending with 'no pre-set-limit'.

American Express® Platinum Card

Platinum Travel Services to assist you with all your travel needs Annual Fee Rs. 60,000 plus applicable taxes
  • 'Do Anything' Platinum Concierge
  • 'By Invitation Only' Events
  • Exclusive savings and benefits with the Airline Partner Programme

Key benefits at a glance

American Express Charge Cards offer you:

Platinum Services on American Express Platinum Charge Card

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

Gold Services on American Express Gold Charge Card

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

No pre set spending Limit

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.

If you anticipate making an exceptionally large purchase, please call us in advance

That’s not all , you incur no interest charges as you need to pay in full every month.

Membership Rewards

As a American Express Platinum Charge Card member or a American Express Gold Card member , the more you spend, the more Membership Rewards points you accumulate. You can also enjoy the flexibility to redeem your Points from over 600+ exciting redemption options including leading airlines and hotels, shopping and more. Points 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

We put you firmly in control when it comes to managing your Account. Register online and you can view and manage your account anytime of the day or night, virtually anywhere in the world – either online or on your mobile.

View your current balance, have updates sent to your phone, pay your bills easily, and manage your rewards points.



To save time before you apply for your card, it's best to make sure you can say yes to the following:

Before you apply, use the following checklist to see if you meet our standard eligibility criteria

  • I am over 18 years of age
  • I have a good credit history and no payment defaults
  • I have an Indian or multinational bank's savings or current account in India
  • I have a permanent residential address 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).

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.

Some of our Featured Cards

Credit and Charge Cards explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?
Our simple Credit and Charge Card guides are a great place to start.

Discover our Credit and Charge Cards Guides

American Express Benefits


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

Learn More about Fraud Protection


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

Learn More about Customer Service


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.

Learn more about Contactless Payments

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.