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.
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.
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:
Following are the ways to convert your Membership Rewards Points into a reward of your choice:
American Express Rewards Credit Cards offer you
more than just rewards.
American Express Rewards Cards offer:
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. You are also covered by our Fraud Protection Guarantee. This guarantee means that if you are accidentally a victim of fraud, you won’t have to pay costs. However, you must 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.
If you make a Charge in a currency other than Indian Rupees, that Charge will be converted into Indian Rupees. The conversion will take place on the date the Charge is processedby overseas American Express, which may not be the same date on which you madeyour Charge as it depends on when the Charge was submitted to American Express. If the Charge is not in U.S. Dollars, the conversion will be made through U.S. Dollars, by converting the Charge amount into U.S. Dollars and then by converting the U.S. Dollaramount into Indian Rupees. If the Charge is in U.S. Dollars, it will be converted directly into Indian Rupees. Unless a specific rate is required by applicable law, you understandand agree that the overseas American Express treasury system will use conversion ratesbased on interbank rate that it selects from customary industry source on the business day prior to the processing date, increased by a foreign currency conversion mark up of 3.5%.
If Charges are converted by third parties prior to being submitted to American Express, any conversions made by those third parties will be at rates selected by them. Please note that if the charge is made in Nepal and Bhutan, currency conversion factor is not applicable as such charge will be denominated in Indian Rupees to the Cardmembers.
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.
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
Looking for something special? Then consider one of our Premium Cards to experience a level of membership that complements and enhances your lifestyle.
Get all the convenience and security of an American Express Card while earning Membership Rewards Points.
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.
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.