Types of Credit Cards and Charge Cards

 

American Express offers you a range of credit cards to suit your needs. There are Premium Credit Cards and Charge Cards with exclusive benefits and services to help you enjoy the most exceptional lifestyle experiences.

 

The flexibility of payment or flexibility of Card limit

 

American Express Credit Cards and Charge Cards offers rewards and benefits tailored to suit your lifestyle and interests.

If you are a frequent flyer or are looking for travel rewards, then the American Express Travel Credit Cards have plenty to offer you.  

Amex also provides Reward Cards, which earn you Membership Rewards® points on every purchase. 

 

Charge Cards are different from Credit Cards as they have no pre-set spending limit. It means that your charges are approved based on your spending pattern,

financials, credit record, and account history. Thus, charge cards give you financial flexibility.

Credit cards, on the other hand, have a set limit but offer you flexibility in paying your monthly card bill.

 

 

 

Discover American Express® Card Types

 

American Express offers different types of credit cards in India.

 

American Express Premium Credit Cards

 

For exclusive privileges and services second to none, reward yourself with one of our premium cards to complement and enhance your lifestyle. 

 

  • Experience personalized service with our ‘Do Anything' Platinum Concierge to assist you with locating/sourcing services, organizing events, making reservations and deliveries
  • Exclusive savings and travel benefit through our Airline Partner Program
  • Amex Premium Cards come with unique health and wellness benefits too. Enjoy these privileges at Taj, SeleQtions and Vivanta Hotels; Preferred Hotels & Resorts 
  • Enjoy movies or online shopping vouchers2 worth INR 6,000 per year from BookMyShow and Flipkart, respectively

 

American Express Travel Credit Cards

 

American Express Travel Credit Cards have all the features to make your journey extra rewarding. 

 

  • Receive exclusive travel vouchers and bonus points when you sign up. Spend INR 1.90 Lacs to get Vouchers worth INR 7,700* and if you end up spending 4 Lacs in a year, you additionally get INR 11,800* worth of travel vouchers. 

  • Enjoy complimentary access to premium lounges at select airport lounges.

  • You can redeem these points with 500+ redemption choices, including booking your flight tickets and hotels. 

  • Experience the American Express Platinum Service with 24x7 Platinum Assist; Zero Lost card liability3, Emergency Card Replacement anywhere in the world. 

 

American Express Reward Cards

 

Amex Reward Cards are great when you want your credit card to reward you with something extra for just using it. These cards have exclusive welcome gifts of bonus Membership Rewards points to get you started. 

 

  • You earn Membership Rewards points on every purchase made with American Express Reward Card. Use your American Express SmartEarn Credit Card to Earn 10X Membership Rewards® Points4 on your spends at Flipkart and Uber and 5X Membership Rewards Points4 on purchases made at Amazon, Swiggy, BookMyShow and more. 

  • Redeem these points with 500+ redemption options, including air miles, free holidays, cashback, and luxury shopping items

  • You can easily track your points online and redeem them instantly.

  • Accepted globally, Amex Reward Cards are secured by Fraud Security and Purchase Protection.

What do you want from a Card?

Everyone’s different, so you need a Card that has benefits that best suit your lifestyle.
Choose the Card with benefits that best suit you.

American Express® Platinum Card

 

Enjoy premium benefits and service

American Express Platinum ReserveSM Credit Card

Exclusive travel and lifestyle benefits

American Express® Gold Card

Access to an exclusive Gold Collection

American Express Smart Earn™ Credit Card

 

Maximize reward points on everyday spends

American Express Membership Rewards® Card

More value for your spends with bonus points

American Express® Platinum Travel Card

Enjoy travel rewards

 

Want to learn more about Credit Cards?

Woman shopping for clothes at a store

Understand fees

Everything you should know about Credit Card fees

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Applying for a Card

Everything you need to know about making an application

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Interest explained

See how we calculate your monthly interest rates

 

 

Footnotes:

 

1.  Terms & Conditions Benefits associated with American Express Cards are subject to payment of annual/renewal fee and maybe withdrawn

 

2. Monthly Voucher Programme Terms & Conditions

 

3.  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.

 

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.

 

* For Travel Voucher Terms & Conditions, click here