As per the recent RBI advisory, we are not accepting Card applications at this time. You can find more information here.
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.
There are many reasons for considering an American Express Credit Card – here are just a few:
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.
View and manage your account anywhere in the world by using your Online Card Account, or the American Express App.
Your American Express Card offers the additional benefit of contactless payments; a secure and smart way to pay for all purchases below INR 5,000. 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.
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.
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
Different types of Credit Cards
At American Express we have several types of Credit Cards with unique benefits so you can find a Card that best suits your needs and lifestyle.
- Rewards Credit Cards you earn rewards every time you shop
- Travel Credit Cards have all the features to make your journey extra rewarding
- Premium Credit Cards give you access to exclusive privileges and second-to-none services
Learn more about credit card types and compare the benefits of the different types of Cards at American Express:
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.
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 how interest is calculated to help you choose the right Card.
- Determine what kind of Credit Card suits your needs
- Study the terms and conditions and any Card fees
- Check to see if you qualify with our eligibility checker
- Complete the online application for your chosen Card
What is a Credit Card?
A Credit Card offers a line of credit or loan that allows you to make purchases and pay back the amount later.
What is the difference between a Credit Card and a Charge Card?
A Credit Card offers you a line of credit to make purchases and pay back the amount later. While you can repay the balance in full, you only have to make minimum repayments and pay interest on the amount owed.
A Charge Card works like a Credit Card but the amount has to be repaid in full by the due date and part payments.
What is the difference between a Credit Card and a Debit Card?
A Credit Card offers a line of credit which means that you can make purchases that you do not currently have the funds for and pay for them later.
A Debit Card instantly deducts payments when you shop and limits your purchases to the funds available
How to check your eligibility
With our Eligibility Checker you can apply for a Credit Card hassle free. Fill in our pre-application form, check your eligibility in just 30 seconds.This process lets you know how likely you are to be approved before submitting an official application.
What is a credit limit?
A credit limit is the maximum amount of money you can spend on your credit card and is set based on the Cardmember’s credit scores and credit reports.
What is a CIBIL score?
The CIBIL score is an important factor when applying for a credit card. It is a reflection of your credit history and past repayment behaviour and determines your eligibility to apply for loans.