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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.
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.
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.
Flexibility
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.
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.
The charges you pay partly depend on the type of card you have and how you use it.
Learn about APR (Annual Percentage Rate) and how interest gets calculated. Knowing this can help you choose the right card.
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
American Express Membership Rewards® Credit Card
American Express® Platinum ReserveSM Credit Card
American Express® Platinum Travel 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.
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.
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 Card, American Express Membership Rewards® Credit Card, American Express SmartEarn® Credit Card.
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.
Experience the American Express World Class Service on all our credit cards across the world.
Follow these four simple steps to apply for a new credit card.
Explore our range of Cards - you're bound to find something to suits your needs and lifestyle.
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 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.
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.