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American Express PAYBACK® Credit Card

Get rewarded on all your spends
First Year Fee: Rs. 750 plus applicable taxes (Second Year onwards: Rs. 1,500 plus applicable taxes)

Card Type
Annual fee
First year fee: Rs. 750 plus applicable taxes.
Second year onwards: Rs. 1,500 plus applicable taxes.
Rewards Earn Rate
2 PAYBACK Points for every Rs. 100 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions.
Additionally, get multiple PAYBACK Points across more than 50 PAYBACK partners.

Key Benefits

EARN POINTS

Earn multiple Points from more than 50 PAYBACK partners2 and 2 PAYBACK Points from American Express PAYBACK Credit Card for everyRs. 100 spent

WELCOME GIFT

Get Flipkart voucher worth INR 7503 on taking 3 transactions within 60 days of Cardmembership

MILESTONE BENEFITS

Flipkart vouchers4 worth Rs. 7,000 on spending Rs. 2.5 lacs in a Cardmembership year

You will earn a Flipkart voucher4 worth Rs. 2,000 on spending Rs. 1.25 lacs in a Cardmembership year. Additionally, you will earn a Flipkart voucher4 worth Rs. 5,000 on spending Rs. 2.5 lacs in a Cardmembership year.

Rewards Programme

The NEW American Express PAYBACK Credit Card rewards you with PAYBACK Points from both American Express and PAYBACK2 – India's largest loyalty programme
  • Get 2 PAYBACK Points from American Express on every1 Rs. 100 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions
  • Boost your PAYBACK Points when you shop at over 50 PAYBACK partner brands. These PAYBACK points vary from partner to partner2.



Redeem your rewards

Your Points bring you closer to fabulous rewards with every purchase. Here are 3 easy ways to redeem them:
  • PAYBACK Online Catalogue
  • PAYBACK Partner Outlets
  • PAYBACK Online Partners

Offers and Privileges

Rewards are just the beginning. Your NEW American Express PAYBACK Credit Card gives you a range of other exciting offers and privileges too.Offer Centre Other exciting offers are available on:
  • Dining
  • Fuel
  • Limited liability for card loss
  • Contactless Payment

Footnotes
    1. You will no longer earn PAYBACK 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.

    2. Points are earned at PAYBACK partner brands as a part of PAYBACK Loyalty Program. Payback partner brands and the PAYBACK Points earned at them may vary from time to time depending on changes in the PAYBACK Loyalty Program.


    3. This benefit is only available for first year of Card membership upon payment of annual fee
    Click here to view Flipkart voucher Terms and Conditions.

    4.
    Click here to view Flipkart voucher Terms and Conditions.

    Most Important Terms and Conditions