american express india credit cards

American Express® Credit Cards
 

Are you searching for a Credit Card that’s best for you? American Express offers you a range of credit cards with different rewards and benefits. Do you enjoy the premium lifestyle, love rewards points, or are you a frequent traveller who is looking for travel benefits? American Express has a card to meet your needs. You can apply for an American Express credit card online. Once your application is approved, brace yourself for a journey full of rewards and experiences with the AMEX credit card.


Why choose an American Express Credit Card?

 

We believe in providing more than just a piece of plastic with your name on it. Which is why we 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 car rental privileges. Get rewarded with one of the most powerful rewards programme where you earn Membership Rewards Points every1 time you spend.

Enjoy the flexibility to redeem you points on your American Express Platinum Travel Credit CardAmerican Express Membership Rewards Credit Card , American Express
Smart Earn Credit Card
 and choose from over 500 redemption options including leading airlines and hotels.

What's more, with an American Express Platinum Reserve Credit Card you are automatically entitled to use our premium Concierge Service. The dedicated team is on call 24 hours a day, ready to take care of all your lifestyle needs. Just pick up the phone and you'll get a table at that exclusive restaurant, book movie tickets, arrange delivery of flowers, arrange a round of golf or book a rejuvenating spa session at participating partners.Experience the American Express World Class Service on all our credit cards with 24x7 Platinum Assist, Zero Lost card liability2, Emergency Card Replacement anywhere in the world.

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american express india credit cards

Why is a Credit Card Important  


Credit Cards are excellent instruments for managing your finances and establishing your creditworthiness when used responsibly.  Suppose you are applying for a home loan. The bank will check your credit score before sanctioning your loan as it wants to check your trustworthiness. Usage of Credit cards can help you build a good credit score provided you are regular in paying your card bills. 

 

Apart from the convenience of use, here are some more reasons that make a credit card a useful asset:

 

  • Flexibility
    You gain incredible flexibility while spending money. You can buy now and pay later, avail EMI facility, manage your outgoings more carefully, and access emergency money at any time*

  • Exciting offers and benefits
    Owning a Credit Card is also a great way to enjoy lifestyle perks. American Express Credit Cards offer you exciting privileges across shopping, dining, travel, entertainment and car rental privileges. With an American Express Platinum Reserve Credit Card, you are automatically entitled to use our premium benefit like discounts on healthcare and spas. 

  • Valuable rewards
    You earn Membership Rewards Points every1 time you spend using American Express Credit Cards. You have the flexibility to redeem your points with over 500 redemption options, including leading airlines and hotels. 

  • Convert your purchases to EMI
    Your next big purchase doesn’t need to burn a hole in your pocket. You get the option of paying the 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 taking the transaction with low-interest rates, no paperwork and zero foreclosure charges.

 

 

Our Credit Cards

American Express SmartEarn™ Credit Card

 

 
Rs. 500 cashback as Welcome Gift on eligible spends3 of Rs. 10,000 in the 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 the point of sale with an interest rate as low as 12% p.a. and zero foreclosure charges

 

American Express® Platinum Travel Credit Card

 

 
Welcome Gift6 of 5000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs. 4,000
 
 
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 year and get Travel Vouchers7 worth more than Rs. 7,700.
  • Taj Experiences Gift Card worth Rs. 10,000
  • Enjoy 4 complimentary visits per year (limited to one complimentary visit per quarter) to airport lounges across India.

 

 

 

 

 

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

 

 

Features and Benefits of Credit Card

American Express Credit Cards offer you:

 

  •  24X7 Platinum Assist
  • Zero Lost Card Liability
  • Online Fraud Protection Guarantee
  • Emergency Card Replacement
  • Online Services
  • Contactless Payment 

Credit Card Offers

 

Your American Express Credit Cards come with following offers:

 

  • 24X7 Platinum
    Assist Whatever be your query, we make sure to give you 24x7 personalized service. Wherever you are, just reach out to us, and we’ll be ready to help, so you can do more and worry less.
  • Zero Lost card liability2 
    Now you can be relaxed as we have got you covered with Zero Lost card liability2. In case of any fraudulent transactions made with your Card, your liability will be nil if the fraud is reported within three days. If the fraud is reported after three days, your liability will be a maximum of Rs. 1,000. Refer MITC for complete details.
  • 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 with your card, you won't be held responsible for any costs linked to the fraudulent activity.
  • Emergency Card Replacement
    If you lose your Card, we will replace your Card usually within 48 hours wherever you are in the world, so you can go about your day carefree.
  • Online Services
    You can view and manage your account at any time of the day or night, virtually anywhere in the world either online or on your mobile.
  • Contactless Payment
    You can enjoy the added benefit of Contactless payments with your American Express® Card. It’s a secure and smarter way to pay for all your purchases of less than Rs.2,000. You don’t need to enter a PIN or sign for these purchases. You can also choose to use your Card like a regular Chip and PIN Card by either dipping or swiping it at the terminal. OTP/ sign won’t be requested for the transactions of amount.

How to Apply for a Credit Card

 

 

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

 

1. Determine what kind of credit card you need

The credit card that's best for you will offer services and benefits ideal for your lifestyle. Before you apply for a Card, look at the interest rates, rewards, and benefits to see what suits you the most. If you are a first-time applicant, it’s probably a good idea to go for a credit card with low or no annual fee. Check out the range of credit cards offered by American Express here

 

2. Choose where to apply

Study and compare the terms and conditions and credit card annual fee structure. Applying for a credit card from a financial institution where you already have an account may be a good idea since you have an established history there.


3. Check to see if you qualify

Depending on the type of card you are applying for and the bank you are applying to, the eligibility criteria may differ.


 4. Fill the credit card application online

Most banks ask you to fill 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 should get a confirmation mail or message apprising you of further actions to be taken.

Eligibility

 

To save time, use the following checklist to see if you meet our standard eligibility criteria:

 

I am aged 18 or over

 

 

I have no history of bad debt

 

I have a permanent Indian home address 

 

I have an Indian or multinational bank's savings or current account 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).

 

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.

 

Once you have found the Credit Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Credit card.

Explore Cards by Category

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.

Travel Rewards Cards

 

Enjoy all the benefits, convenience and security of an American Express® Card – with the added bonus of earning points for travel when you use your Card.

 

SOME OF OUR TRAVEL REWARDS CARDS.

 Rewards Cards

 

Get all the convenience and security of an American Express Card while earning Membership Rewards Points.

.

Credit and Charge Cards Explained

 Interest rates, APR , annual fees, rates and percentages left you feeling confused? 
Our simple Credit and Charge Card Guides are a great place to start.

 

American Express Benefits

american express india fraud and shopping protection

FRAUD AND SHOPPING PROTECTION

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



 
american express india world class customer service

WORLD CLASS CUSTOMER SERVICE

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




 
american express india contactless payments

CONTACTLESS PAYMENTS

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.

 

Find a type of Card to suits your needs

 

Explore our range of Cards, you're bound to something to suits your needs and lifestyle.

 

 

 

 Footnotes: 

 

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 www.americanexpress.com/in/pdf/edsmerchants1. 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. 2,000 Bonus Membership Rewards Points, to be awarded as Welcome Gift on completing cumulative spend of Rs. 25,000 within the first 90 days of Card Membership.

 

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 5,000 within 60 days of cardmembership.

 

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