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Indian Credit Cards

 

Discover more about Credit Cards, their benefits, and how to choose the right one for your lifestyle. Compare different American Express Credit Card types and find out whether you’re eligible with our online eligibility checker.

Credit Card benefits & features

 

There are many reasons for considering an American Express Credit Card – here are just a few:

 

Financial flexibility

Boost your spending power with a Credit Card, allowing you to buy now and pay later. Read more on how Credit Cards work here.    

 

Rewarding offers and benefits

As an American Express Cardmember you’ll have access to offers across travel, dining, retail, wellness and more. So you could indulge in curated dining experiences, enjoy exclusive retail offers or treat yourself at the spa. Explore more here.

 

With Amex Offers, you can even choose treats tailored for you. Just log in into your online account and save the offers you like with a single click.

 

Experience the world-class service with all our Credit Cards
 

24x7 Platinum Assist
No matter your query, you’ll get  24x7 Card Related Assistance. Wherever you are, just reach out – we’re always ready to help.
 

Online services
View and manage your account anywhere in the world by using your Online Card Account, or the American Express App.
 

Contactless payment
Your American Express Card offers the additional benefit of contactless payments; a secure and smart way to pay for all purchases below INR 2,000. Simply tap your Card on the contactless machine at the point of sale, and you won't need to enter a PIN.
 

Zero Lost Card liability

Should you lose your Card, American Express’s Zero Lost Card liability protects you against any fraudulent transactions made with your Card. Just report the fraud
within three days, and your liability will be nil. Refer to Most Important Terms & Conditions for complete details.
 

Emergency Card replacement

If you lose your Card, we’ll usually replace it within 48 hours, wherever you are in the world, so you can carry on with your plans.
 

Online Fraud Protection Guarantee

Our early detection systems monitor potentially fraudulent activity. In the unlikely event that you are a victim of Card fraud, and you have taken reasonable care, you won't be held responsible for any fraudulent charges.
 

Membership Rewards

Feel rewarded with one of the most powerful rewards programs, allowing you to earn Membership Rewards Points every time you spend.
 

You can redeem your points across a variety of options with our American Express Membership Rewards® Catalogue. Take your pick from a selection of hand-picked rewards (with 500+ redemption options) – from travel and accommodation to electronics and luxury retail.

Earn and redeem points on Cards like American Express Platinum® Travel Credit Card, American Express Membership Rewards® Credit Card, American Express SmartEarn® Credit Card.
 

Platinum Concierge

With the American Express Platinum Reserve® Credit Card, you’re automatically entitled to use our premium Concierge Service.
 

A dedicated team is on call 24 hours a day, ready to take care of all your lifestyle needs. Whether you’re struggling to get last-minute reservations or forgot to send flowers to a special someone on their birthday, with the powerful backing of American Express, you’ll get it sorted. We offer assistance with:

 

  • Locating or sourcing goods/services at home or abroad
  • Personal arrangements while at home or abroad
  • Organizing events on private occasions
  • Dining reservations
  • Golf bookings
  • Gift and flower delivery
  • Movie and theatre ticket bookings
  • Reservations for 'By Invitation Only' events, and much more

How to choose a Credit Card

 

American Express offers a range of Credit Cards with different rewards and benefits. Fees and interest rates can also vary from Card to Card, so it’s important to do your research to find the right one for you:

 

Check the credit limit

 

Knowing your credit limit is the first step to keeping your balance under control. You can reduce the risk of going over your limit by making regular payments.

Learn More

 

 

Check the Credit Card fees

 

The charges you pay partly depend on the type of Card you have and how you use it.

Learn More

 

 

Check the Credit Card interest rates

 

Learn how interest is calculated to help you choose the right Card.

Learn More

 


American Express Credit Card comparison 

 

What makes our products special? Our Credit Cards come with benefits and offers curated to help you get more value from your purchases. We also ensure your experience is rewarding by enrolling you in our Membership Rewards® points program.

 

  Explore our full range of Credit Cards  available for the Indian market.

American Express SmartEarn™ Credit Card

 

 
Rs. 500 cashback as Welcome Gift on eligible spends1 of Rs. 10,000 in first 90 days of Cardmembership
 
 
First Year Fee: Rs. 495 plus applicable taxes
Second Year Fee: Rs. 495 plus applicable taxes
 
  • Earn 10X Membership Rewards® Points2 on all your spending on Flipkart and Uber and earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more.

  • Get a renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Cardmembership.

  • Convert purchases into EMI at point of sale with an interest rate as low as 12% p.a. and zero foreclosure charges.

 

 

 

 

 

 

 

 

 

 

 

 

Terms and Conditions

 

American Express Membership Rewards® Credit Card

 

 
Welcome Gift8 of 4,000 Bonus Membership Rewards® Points
 
 
 
First Year Fee: Rs. 1,000 plus applicable taxes
Second Year: Rs. 4,500 plus applicable taxes
 
 
  • Earn 1,000 Bonus Membership Rewards® Points for simply using your Card 4 times on transactions of Rs. 1,500 and above every month

  •  Earn an additional 1,000 Membership Rewards points simply by spending INR 20,000 or more in a calendar month. This is an enrollment based benefit.

  • Split the payment and not the joy. Use your American Express Credit Card for your next big purchase & pay in easy EMI

  • Redeem your Points from the fabulous 18 and 24 Karat Gold Collection

 

 

 

 

 

 

 

 

Terms and Conditions

 

American Express® Platinum ReserveSM Credit Card

 

 
Get a Welcome Gift9 of 11,000 Bonus Membership Rewards® Points
 
 
 
First Year Fee: Rs. 5,000 plus applicable taxes 
Second Year Fee: Rs. 10,000 plus applicable taxes
 
  •  Enjoy privileges at Taj, SeleQtions and Vivanta Hotels, Preferred Hotels & Resorts 

  •  Complimentary access to American Express lounges and other domestic lounges across India.

  • Complimentary access to leading Golf courses in India

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Terms and Conditions

 

American Express® Platinum Travel Credit Card

 

 
Welcome Gift4 of 10,000 Membership Rewards Points redeemable for Flipkart5 voucher or Pay with Points option in Amex Travel Online6, worth Rs. 3,000
 
First Year Fee: Rs. 3,500 plus applicable taxes
Second Year Fee: Rs. 5,000 plus applicable taxes
 
  • Spend* Rs.1.90 lacs in a cardmembership year and get 15,000  Membership Reward points redeemable for Flipkart5 voucher or Pay with Points option in Amex Travel Online6 worth Rs. 4,500.
  • Spend* Rs. 4 lacs in a cardmembership year and additionally get 25,000 Membership Rewards points redeemable for Flipkart5 voucher or Pay with Points option in Amex Travel Online6 worth Rs. 7,500. Also get a voucher worth Rs.10,000 (non-transferable) from the Taj Group

  • Get up to 10% cashback7 on OnePlus devices when you shop at www.oneplus.in

  • 4 complimentary visits per year (limited to one complimentary visit per quarter) to airport lounges across India

 

Terms and Conditions

 

How to get a Credit Card

 

  1. Determine what kind of Credit Card suits your needs

  2. Study the terms and conditions and any Card fees

  3. Check to see if you qualify with our eligibility checker

  4. Complete the online application for your chosen Card

 

Discover our detailed, step-by-step guide to Credit Card application and requirements here.


Find a type of card to suit your needs

 

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

 

 

 Terms and conditions: 

 

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.

 

2. For example, for a spend of Rs. 50 on an eligible merchant the Cardmember will get 10 Membership Rewards Points (if merchant is under 10X category) and 5 Membership Rewards Points (if merchant is under 5X category). Under 10X category, 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Uber. Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please visit  amex.co/seccrewards. 10X category means Cardmember earns 9 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 45 additional Membership Rewards Points. 5X category means Cardmember earns 4 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 20 additional Membership Rewards Points.

 

3. Eligible spends do not include cash advances, express cash transactions, drafts made from the account, balance transfers and fees.

 

 4. Welcome Gift for American Express® Platinum Travel Credit Card is available only in the 1st year on payment of the annual fee and on spending INR 5,000 within 60 days of cardmembership.

 

5. For Flipkart voucher Terms and Conditions, Click here

 

6. For Travel booking Terms and Conditions, Click here

 

7. For OnePlus benefit Terms and Conditions, Click here

 

8. 4,000 Bonus Membership Rewards Points, to be awarded as Welcome Gift is available only in the 1st year on payment of the annual fee and on spending INR 15,000 within 90 days of cardmembership.

 

9. Welcome Gift for American Express® Platinum ReserveSM Credit Card is available only in the 1st year on payment of the annual fee and on spending INR 30,000 within 90 days of cardmembership.

 

* Eligible spends do not include cash advances, express cash transaction, draft made from the account, balance transfer, fees and is net of any returns.