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American Express® Rewards Credit Cards

 

 

Earning rewards for all your spends can be exciting and fulfilling. The American Express® Rewards Credit Card connects you to a world of exclusive benefits and offers apart from the convenience and security of a credit card. 

 

 

 

Why choose an American Express Rewards Card?

 

An American Express Rewards Credit Card has everything to offer – from air miles to luxury shopping items. Our extensive Membership Rewards program lets you choose from hundreds of retailers and service providers. 

 

Additionally, some Amex Rewards Cards come with exclusive membership perks. You can relax in the comfort of 1000+ airport lounges for free or enjoy complimentary rounds of golf at India's top courses. You can also access invitation-only events or avail exclusive discounts at top restaurants across the country.   

 

Wondering how exactly your credit card brings in the rewards? Learn how you can earn Membership Rewards points and ways to redeem them. 

 

Earn rewards every time you shop.

 

  • Everyday shopping
    Swipe any of your American Express Rewards Credit Cards and earn 1 Membership Rewards Points for each INR 50 spent, except for fuel, insurance, and utility bills. 
  • Earn bonus points
    You can earn 1,000 Bonus Membership Rewards Points for just using your American Express Membership Rewards Credit Card  4 times respectively, on transactions of INR 15,00 and above each month.

  • Accelerated points
    Want to earn points faster? Use your American Express SmartEarn Credit Card to Earn 10X Membership Rewards® Points4 on your spends at Flipkart and Uber and 5X Membership Rewards Points on purchases made at Amazon, Swiggy, BookMyShow and more. 

  • Redeem reward points from the  catalogue
    Look up exciting redemption option from the menu and redeem your points for a variety of merhchandise and vouchers in lifestyle, electronics, home, and health sections.

  • INSTA Rewards
    Choose from our wide-ranging shopping categories and exchange your points for gift cards from the Amex Rewards gift cards collection.

  • Travel
    Enjoy more ways to travel the world. Reward yourself by redeeming your points for travel vouchers. You can also transfer your points to one of our partner frequent flyer programs or our partner hotel's regular guest program. Please note that you need to enroll online in the Frequent Traveller Program first.

  • Pay with Points
    Let your shopping pay for itself. Pay off purchases on your card using Membership Rewards Points. You can also give back to society by using your points to make donations to an organisation such as CRY.

  • Refer and Earn
    Refer your friends for an American Express Card and earn up to 1,50,000 bonus points! What’s more? Your friends also earn exciting rewards. 

Compare Rewards Cards

American Express Membership Rewards® Credit Card

 

Welcome Gift1 of 4,000 Bonus Membership Rewards® Points
 
First Year Fee: Rs. 1,000 plus applicable taxes Second Year onwards: Rs. 4,500 plus applicable taxes
 
  • Earn 1,000 Bonus Membership Rewards® Points for simply using your Card 4 times on transactions of Rs. 1,500 and above every month
  •  Earn an additional 1,000 Membership Rewards points simply by spending INR 20,000 or more in a calendar month. This is an enrollment based benefit.
  • Split the payment and not the joy. Use your American Express Credit Card for your next big purchase & pay in EMI
  • Redeem your Points from the fabulous 18 and 24 Karat Gold Collection                                                                                                                  
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American Express® Gold Card

 

Welcome Gift2 of 4,000 Bonus Membership Rewards® Points
 
First Year Fee: Rs. 1,000 plus applicable taxes (Second Year onward: Rs. 4,500 plus applicable taxes)
 
  • Additional Membership Rewards Points for simply using the Card
  • Redeem Points from the fabulous 18 and 24 Karat Gold Collection
  • Enjoy greater Flexibility in spending with 'no pre-set limit'.
  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal

 

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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

 

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Stand-out features of American Express Reward Credit Cards

 

American Express Rewards Credit Cards offer you more than just rewards. On offer are:

 

24/7 Customer Support and Service

 

You can call our dedicated support team from anywhere in the world at any time day or night. We are also available online via email, text, and through the post. We will try to deal with your queries or problems as quickly and helpfully as possible.

 

Fraud Security and Purchase Protection

 

We value your security very highly. Our secure payment system and chip and PIN technology help to minimize the risks of fraud on your credit card. Our Fraud Protection Guarantee also covers you. This guarantee means that if you are accidentally a victim of fraud, you won't have to bear the costs. You must, however, endeavor to keep your details secure and take reasonable measures to keep your Credit Card information safe.

 

Use American Express Anywhere in the World

 

American Express Rewards Cards are accepted throughout the world and are perfect for travelling. We convert foreign currencies at the time of processing your transaction, based on the current exchange rate. All charges made in foreign currencies get converted to Indian Rupees. 

 

Share your Card benefits

 

Extend the benefits of your Card to your loved ones with additional Supplementary Card(s) at no extra fee.

 

Sign-up bonuses to get your Membership Rewards Points started

 

Receive bonus Membership Rewards Points or cash back depending on your card. The welcome gift is available once you pay the annual fee and upon spending the specified amount according to the terms and conditions of the selected card. 

 

Convert your purchases into EMI

 

Ease the burden of purchases o  f INR 5,000 and above by converting them into Easy Monthly Installments using your American Express Membership Rewards Credit Card or American Express SmartEarn Credit Card.  

 

Fuel Convenience Fee Waiver

 

At American Express, we provide a 0% Convenience fee on fuel purchases at HPCL for transactions less than INR 25,000. A 0.3% Convenience fee per transaction is, however, applicable to fuel purchases of INR 25,000 and above.  

FOOTNOTES

 

1. Welcome Gift is available only in the 1st year on payment of the annual fee and on spending INR 15,000 within 90 days of cardmembership. 

 

2. Welcome Gift is available only in the 1st year on payment of the annual fee and on spending INR 10,000 within 90 days of cardmembership . With effect from 20th October 2014, you will no longer earn Membership Rewards Points on your American Express Gold Card for all your spending on Insurance With effect from 1st July 2021, you will earn 1 Membership Rewards Points on every INR 50 on Utility (electricity, water and gas bills) payments capped to 10,000 Membership Rewards in a calendar month on your American Express Gold Card. 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. You will also earn 1 Membership Rewards on every INR 50 on Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs) which is capped to 5,000 MR points in a calendar month on your American Express Gold Card. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Telecommunications includes providers of landline phones, mobile phones, internet services, cable, and other pay TV services, and calling cards. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). 

 

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.  

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