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Welcome to the world of the NEW American Express PAYBACK® Credit Card. Learn all about your Card – from earning PAYBACK Points to the special offers and privileges, and make the most of your Card.

Boost your rewards.

The New American Express PAYBACK Credit Card rewards you with PAYBACK Points from both American Express and PAYBACK - India's largest loyalty programme.

  • Earn 3 PAYBACK Points from American Express for every
    Rs 100 spent at all merchants that accept American Express Cards.
  • Boost your rewards by shopping at more than 40 PAYBACK partner brands, including Big Bazaar, Pantaloons, MakeMyTrip.com and many more.*

Here are examples of how you can earn from both American Express & PAYBACK partner brands

*PAYBACK Points are earned at PAYBACK partner brands as part of PAYBACK Loyalty. Payback partner brands and the PAYBACK points earned at them may vary from time to time depending on changes in the PAYBACK Loyalty Program

You can maximize the PAYBACK Points earned on your American Express PAYBACK Credit Card by following simple steps:

Swipe & Earn.

• Use the NEW American Express PAYBACK Credit Card to pay for all your purchases.
• Get 3 PAYBACK points from American Express for every Rs. 100 spent at all merchants that accept American Express Cards

Boost your Rewards.

• You can continue to use your PAYBACK membership card in stores and online to get additional PAYBACK points at PAYBACK partner brands*
                              OR
• You can boost your PAYBACK points by giving the PAYBACK number details at the back of your New American Express PAYBACK Credit Card
                              OR
• You can quote your mobile number to the cashier and get your PAYBACK Points^

* At HPCL outlets, there is no need to show your PAYBACK Membership Card, just swipe your American Express PAYBACK Credit Card and along with points from American Express, points from HPCL will also be credited automatically.
If you require a PAYBACK membership card, you can get the same by contacting PAYBACK Customer service on the number given at the back of your New American Express PAYBACK Credit Card.
^ To enable Mobile Identifier feature, SMS LINK<SPACE><Your 16 digit PAYBACK Membership Card number without any space in between><Space><Your Date of birth in the format DDMM> to 9212146468, from the mobile number that you want to link.
The mobile identification process is only available at select stores.

ipj_tick-blue Discount Vouchers
Get Discount Vouchers worth Rs. 3,000 as a special gift on enrollment of the NEW American Express PAYBACK Credit Card. These include multiple denomination vouchers from multiple partners.^

ipj_tick-blue Bonus PAYBACK Points
Earn 6 additional PAYBACK Points for every Rs.100 spent along with the regular 3 PAYBACK Points, on spending Rs.15,000 within the first 60 days from the date of Card approval, giving you a total of 1,350 PAYBACK Points. #

Here's how:

On spending Rs. 15,000 in the first 60 days,
Regular PAYBACK Points earned from American Express = 450
                              +
Additional PAYBACK Points earned = 900
Total PAYBACK Points earned = 1,350

*The Discount Vouchers were sent to the Cardmembers as part of the welcome pack sent along with the American Express PAYBACK Credit Card. Rs.3,000 worth of Discount Vouchers consist of multiple denomination vouchers from multiple partners. Partners and denominations may vary from time to time.
^A total of 9 PAYBACK points would be awarded to the customer for every Rs.100 spent. This would include 3 Regular PAYBACK Points and 6 additional PAYBACK Points . Additional points earned would be automatically credited on aggregate purchases of Rs.15,000 using American Express PAYBACK Credit Card within the first 60 days from date of approval of the American Express PAYBACK Credit Card. No additional PAYBACK Points will be earned in case of failure to fulfill this condition.