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American Express® Credit Cards
 

Searching for a Credit Card that’s right for you? American Express offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.  Whether you prefer rewards points, travel benefits, premium offering, we’ve got a Credit Card to meet your needs.

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 and choose from over 500 redemption options including leading airlines and hotels. Earn 8 JPMiles on every2 Rs.150 spent on your Jet Airways American Express® Platinum Credit with no limit to the number of JPMiles you can accumulate.

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 liability, Emergency Card Replacement anywhere in the world.

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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

 

 

Key Benefits at a Glance

American Express Credit Cards offer you:

 

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

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.

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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. You will earn 8 JPMiles for every Rs. 150 spent as against 6 JPMiles for every Rs. 100 spent earlier. Moreover, your spending on fuel, insurance and utility payments will no longer earn you JPMiles. 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.

 

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.

 

10. Welcome Gift is available only in the 1st year of Cardmembership on payment of the Annual Fee and on taking first charge.