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american express india rewards credit card

American Express® Rewards Credit Cards

Rewards can be exciting and enticing. What if your credit card could reward you just for using it?  American Express® Rewards Credit Cards provide you with the convenience and security of a credit card and
offer you a huge range of exciting rewards just for using your Card. Every purchase you make earns you Membership Rewards® Points. These points can connect you to a world of offers, and special benefits ranging from air miles and hotel stay to cash back and luxury shopping  to many more. Thus, enjoy all the benefits, convenience, and security of American Express Credit Cards or Charge Cards with the bonus of accumulating rewards.

american express smartearn credit card

Why choose an American Express Rewards Card?

 

The best Credit Cards are the ones that give you the essentials you need as well as a whole range of extra benefits. Exceptional customer services, financial flexibility and enhanced security are central to all of our Credit Cards. Our reward Cards go one step further by giving you extra benefits just for using them. You can receive a huge range of rewards. Everything from air miles and free holidays, to cash back Points and luxury shopping items. Our extensive Membership Rewards program lets you choose from hundreds of retailers and service providers – so you can always choose a perfect reward.

 

American Express Credit Cards make it very easy for you to earn Points and redeem rewards. Every spend on your Card earns you Points. You can track your Points online and redeem instantly online as well. The more you spend on your Card the more Points you earn!

 

Additionally, many of our Cards come with exclusive membership perks. You can enjoy over 1000 airport lounges for free or complimentary rounds of golf at India’s top courses. You can also access invitation only events or exclusive discounts at top restaurants across the country.

american express india all rewards credit cards

Compare Our Rewards Credit 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. 1,000 and above every month
  • 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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american express india rewards credit card

How do Rewards Credit Cards Work   


Wondering how exactly your credit card brings in the rewards? Just use your American Express Rewards Credit Card every time you make purchases and watch your Membership Rewards® Points grow. You can then avail of the rewards of your choice using your points.
 

Here are the ways to earn Membership Rewards Points on your American Express Rewards Credit Cards:
 

  • Every Day Spends
    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. 
  • Bonus Points
    You earn 1,000 Bonus Membership Rewards Points for simply using your American Express Membership Rewards Credit Card or American Express Gold Card, 4 and 6 times respectively on transactions of INR 1,000 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 all your spends at Flipkart and Uber and 5X Membership Rewards Points1 on purchases made at Amazon, Swiggy, BookMyShow and more. 

Following are the ways to convert your Membership Rewards Points into a  reward of your choice:
 

  • Shop the catalogue 
    Look up the menu and redeem your points for a variety of offers in lifestyle, electronics, home and health sections.

  • INSTA Rewards 
    Choose from our wide selection of shopping categories and exchange your points for gift cards of your choice from 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 using your points to making donations to an organisation such as  CRY. 

 

 

American Express Reward Credit Cards Highlights

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

 

American Express Rewards Cards offer:

 

  • Sign-up bonuses to get your Reward Points started
  • Reward Points on nearly every purchase you make with your Card
  • 24/7 customer support and service
  • Fraud security

Additional Benefits

Depending on your choice of American Express Rewards Credit Card, you can also look forward to a range of exciting benefits: 

 

  • Sign-up bonuses to get your Membership Rewards Points started 
    Receive bonus Membership Rewards Points or cash back depending on which card you signed-up for. The welcome gift is made available once you pay the annual fee and upon spending the specified amount according to the terms and conditions of the selected card. 
  • Rewards Points on nearly every purchase you make
    Earn Membership Rewards Points on almost all purchases made using your American Express Rewards Credit Card except for fuel, insurance, utilities, and cash transactions. Also, earn Accelerated Points with AMEX SmartEarn Credit Card and Bonus Points with AMEX Gold Card.

  • Connvert your purchases into EMI
    Ease the burden of the purchases on and above INR 5,000 by converting them into Easy Monthly Installments with the ease of American Express Membership Rewards Credit Card and 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 Rs. 25,000 and 0.3% Convenience fee on fuel purchases per transaction is applicable for all the transactions of Rs. 25,000 and above.  

  • Additional Cards at no extra cost
    Enjoy the facility of getting Additional Cards at no extra cost. The number of free Additional Cards depends on the type of card for which you have signed-up.

 

 

 

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 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 card.

Explore Cards by Category

Travel Reward 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

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SOME OF OUR TRAVEL REWARD  CARDS

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.
Learn more

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SOME OF OUR PREMIUM CARDS

 Rewards Cards

 

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

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SOME OF OUR REWARDS CARDS

Credit and Charge Cards Explained

 

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

 

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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 card.



 
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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.




 
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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.

 
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 Find a type of Card to suits your needs

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

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Footnotes:

 

1. 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.

 

2. 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   With effect from 20th October 2014, 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.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). Other 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.