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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.
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.
American Express Membership Rewards® Credit Card
American Express SmartEarn™ Credit Card
American Express Rewards Credit Cards offer you more than just rewards. On offer are:
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.
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.
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.
Extend the benefits of your Card to your loved ones with additional Supplementary Card(s) at no extra fee.
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.
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.
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.
Understand fees
Everything you should know about Credit Card fees
Applying for a Card
Everything you need to know about making an application
Interest explained
See how we calculate your monthly interest rates
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 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 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 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.