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Credit Card


Discover what a Credit Card is and how to select the right one for your lifestyle. Compare the different Card types below and find out whether you’re eligible with our online eligibility checker.


What is a Credit Card?


A Credit Card lets you pay for your purchases without cash. Credit Cards offer a line of credit or loan that allows you to make purchases and pay back the amount later. If you fail to pay the balance due in full by
the payment due date, you’re charged an interest on the amount owed. Learn more about credit cards and how they work here.

Why use a Credit Card?


A Credit card is an excellent way to manage your finances and makes it easier to avoid financial frauds. Credit cards make it easier to pay for your purchases, along with being a lifestyle partner that always has your back.



 You can gain incredible spending flexibility by using credit cards. You can buy now and pay later; manage your spending more carefully and even withdraw cash in case of an emergency* as well.     


Convert your purchases to EMI

Your next big purchase need not burn a hole in your pocket. You have the option of paying your bill in easy EMI with a credit card. You can convert purchases of Rs 5,000 and above into EMI at the point of sale or post-transaction with low-interest rates, absolutely without paperwork, and zero foreclosure charges.


Build your credit history

Responsible usage of your credit card with regular on-time payments can help you build a good credit score. Banks check these credit scores before sanctioning loans to ascertain your trustworthiness. Usage of credit cards does impact your scores and can help you improve them. 

How to pick the right Credit Card



Check the credit limit


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




Check the Credit Card fees


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





Check the Credit Card interest rates


Learn about APR (Annual Percentage Rate) and how interest gets calculated. Knowing this can help you choose the right card.



Compare Credit Cards


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


 So, what are you waiting for? Explore our full range of Credit Cards available for the Indian market and choose the one that you believe is best for you. 

American Express SmartEarn™ Credit Card


Rs. 500 cashback as Welcome Gift on eligible spends3 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® Points4 on all your spending on Flipkart and Uber and earn 5X Membership Rewards Points4 on Amazon, Swiggy, BookMyShow and more.

  • Get a renewal fee waiver on eligible spends5 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. 1,000 and above every month

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

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










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 Gift6 of 5000 Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs. 3,500
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 year and get Travel Vouchers7 worth Rs. 6,360.
  • Spend Rs. 4 Lacs in a year and additionally get Travel Vouchers worth Rs. 9,440. Also a Taj Experiences E-Gift Card worth Rs. 10,000 from Taj, SeleQtions and Vivanta Hotels.
  • Enjoy 4 complimentary visits per year (limited to one complimentary visit per quarter) to airport lounges across India.
  • Effective 20th August 2020, you can also redeem your Membership Reward points obtained on spend threshold of Rs. 1.9 lacs and Rs. 4 lacs in a Cardmembership year for Flipkart vouchers worth Rs. 5,000 and Rs. 8,000 respectively until 31st December 2020.


Terms and Conditions


Why choose an American Express Credit Card?


We at American Express, strive to help you do more of the things you enjoy, more often. The American Express Credit Cards offer you exciting privileges across shopping, dining, travel, entertainment and more. 


Here are some reasons why you should choose an American Express Credit Card.


  • Rewarding offers and benefits

Owning an American Express Credit Card is a great way to enjoy lifestyle benefits. We offer premium benefits that add value to your credit card expenditure.

Being a Cardmember, you can enjoy curated dining experiences, grab exclusive retail offers or simply rejuvenate at a spa. American Express partners with you at every step of the way with offers across categories like travel, dining, online merchants, retail, wellness and more. Explore offers here

With Amex Offers, you can even explore personalized offers tailored for you. All you have to do is log in into your online account and save the offers you like with a single click.


  • Membership Rewards

Get rewarded with one of the most powerful rewards programs where you earn Membership Rewards Points each time1 you spend.

You can redeem your points with a variety of options with our American Express Membership Rewards® Catalogue. Treat yourself across a selection of hand-picked rewards with 500+ redemption options across categories like travel, lodging, electronics, luxury retail, and more.

You can enjoy the flexibility to earn and redeem your points on cards like American Express Platinum® Travel Credit CardAmerican Express Membership Rewards® Credit CardAmerican Express SmartEarn® Credit Card.


  • Platinum Concierge

With the American Express Platinum Reserve® Credit Card you are 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 are struggling for last minute reservations or simply forgot to send flowers to a special person on your anniversary, with the powerful backing of American Express, you can stay assured. Our team is there to put it all together for you 24X7.

  • Assistance with locating or sourcing goods/services at home or abroad
  • Assistance with 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


Services offered by American Express® Credit Cards


Experience the American Express World Class Service on all our credit cards across the world.


  • 24x7 Platinum Assist
    Whatever be your query, we make sure to give you a 24x7 personalized service. Wherever you are, just reach out to us. We are ready to help, so you can do more and worry less.

  • Online Services
    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.
  • Contactless Payment
    You have the additional benefit of Contactless Payments with your American Express Card. It's a secure and smarter way to pay for all your purchases less than INR 2,000. The merchant simply needs to tap your Card on the Contactless machine at Point of Sale and you won't even need to enter a PIN for these purchases.
  • Zero Lost card liability
    Should you lose your card, American Express’s Zero Lost Card liability2 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 MITC for complete details.
  • Emergency Card Replacement
    If you lose your Card, we will replace your Card usually within 48 hours wherever you are in the world so that you can go about your day carefree.
  • Online Fraud Protection Guarantee
    Our early detection systems monitor potentially fraudulent activity. Our Fraud Protection Guarantee means that in the unlikely event, you are a victim of card fraud, and you have taken reasonable care, you won't be held responsible for any fraudulent charges. 

How to Apply for a Credit Card?


Follow these four simple steps to apply for a new credit card.


  1. Determine what kind of credit card suits your needs
    The credit card that's best for you will offer services and benefits ideal to suit your lifestyle. Before you apply for a card, look at the interest rates, rewards, and benefits to see what is perfect for you. Check out the range of credit cards offered by American Express here.

  2. Choose where to apply
    Study the terms and conditions as well as the credit card annual fee structure before you apply for one.

  3. Check to see if you qualify
    Eligibility criteria may differ depending on the type of card. Check if you're eligible for an American Express card with our eligibility checker.

  4. Fill the credit card application online
    Most banks ask you to fill out a credit card application online. You can apply for an American Express Credit Card by visiting our credit card section here. American Express responds to your application within 60 Seconds. You will get a confirmation mail or message apprising you of further actions to be taken.

    Some cards may require additional specific eligibility criteria, and you might have to provide employment, income, and bank account information to complete your application.

    Once you have decided on the credit card that best suits you, click the 'Apply now' button to begin the application process You can even choose the way you’d like your name to appear on your credit card.


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.





 Terms and conditions: 


1. 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.


2. Provided that the Cardmember has acted in good faith, his liability to American Express arising out of any unauthorized use of the Credit Card shall be nil if American Express receives the report within 3 working days of the fraud. If the fraud is reported beyond 3 working days, then the maximum liability of the customer will be limited to Rs. 1000. For further details please refer MITC


3. 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.


4. 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 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.


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


 6.  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.


7.  For Travel Voucher Terms & 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 2,000 within 60 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.


       * This facility can only be availed after 180 days of cardmembership.