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.
Second year onwards: Rs. 1,500 plus applicable taxes.
Rewards Earn Rate
Earn 2 PAYBACK Points for every1 Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale1.
Additionally, get multiple PAYBACK Points across more than 50 PAYBACK partners.
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 every Rs. 100 spent
WELCOME GIFT
Get Flipkart voucher worth Rs. 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.
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
- Earn 2 PAYBACK Points for every1 Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale1.
- 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.
Effective March 15, 2020, you will not earn PAYBACK points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you will continue to earn PAYBACK Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.
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
Effective March 15, 2020, you will not earn PAYBACK points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you will continue to earn PAYBACK Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.
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
Other cards you may be interested in
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.
- Redeem your Points from the fabulous 18 and 24 Karat Gold Collection
- Enjoy exciting discounts on dining, travel, car rental and shopping
First Year Fee: Rs. 1,000 plus applicable taxes (Second Year onwards Rs. 4,500 plus applicable taxes)
- Additional Membership Rewards Points for simply using the Card
- Enjoy greater Flexibility in spending with
'no pre-set limit'. - Redeem Points from the fabulous 18 and 24 Karat Gold Collection
- Enjoy exciting discounts on dining, travel, car rental and shopping
Welcome Gift of 10,000 Membership Rewards points worth ₹3,000
First Year Fee: Rs. 3,500 plus applicable taxes (Second Year onwards: Rs. 5,000 plus applicable taxes)
- Travel and shopping benefits worth ₹15,000
- Enjoy 1 complimentary visit per quarter in a year at select airport lounges
- Up to 10% Cashback of ₹5,000 on OnePlus every month
- Taj, SeleQtions and Vivanta Hotels Experiences Gift Card worth Rs. 10,000