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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 onward: 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.
Get Renewal fee waiver on spending more than Rs. 150,000 in twelve months immediately preceding the date of renewal.
Rewards Earn Rate
3 PAYBACK Points for every1 Rs. 100 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions.
Additionally, get multiple PAYBACK Points across more than 40 PAYBACK partners2.

Key Benefits


Earn multiple Points from more than 40 PAYBACK partners2 and 3 PAYBACK Points from American Express PAYBACK Credit Card for every1Rs. 100 spent


Earn 900 Bonus PAYBACK Points on spending Rs. 15,000 within 60 days of Card approval


Enjoy exciting discounts on dining, travel, and online shopping

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 3 PAYBACK Points from American Express on every 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, including Big Bazaar, and many more. These PAYBACK points vary from partner to partner2.
  • Earn 900 Bonus Payback Points on spending Rs. 15,000 with-in 60 days of card approval.

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.

Additional Offers

Enjoy big savings and discounts from time to time with the American Express PAYBACK Credit Card at our
Offer Centre Other exciting offers are available on:
  • Dining
  • Fuel
    1. With effect from 20th October 2014, 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.

    Terms & Conditions