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How Credit Cards and Charge Cards work?

American Express offers you a wide range of Credit and Charge Card options that are designed to complement your lifestyle and preferences. On this page, you’ll find all the information and advice that you would require to make an informed decision while applying for a Card of your choice.

Getting your Card



Applying for an American Express Card is easy. Simply use our guide to know more about Credit and Charge Cards, and then apply for a Card of your choice online. We will respond to your online application on priority – in fact you could receive our response in under 60 seconds. 


Credit Cards vs Charge Cards

Fees and Charges

How to apply for a Card 





Using your Card



An American Express Card is a convenient way to pay for your purchases at millions of merchants worldwide. Our guide to interest rates and credit limits will help you make the most of your Card as you use it for shopping, dining, travel and more. Additionally, earn Membership Rewards Points / PAYBACK Points / InterMiles on using your Card, except for spends at Fuel, Utilities, Insurance and Cash Transactions1


Interest Rates


Credit Card Limits


Earning Loyalty Points

Earning Miles 




Earn Membership Rewards® Points



American Express offers you a suite of Cards with a host of benefits and privileges to suit your lifestyle. So, whether you are a frequent traveller or someone who simply enjoys shopping, there is a Card for every need. From complimentary travel, access to VIP airport lounges, membership to exclusive frequent flyers programme and earning rewards/miles from your day-to-day spending, we are here to help you make the right choice.


Learn more



Explore Cards by Category

Travel Rewards 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.


Premium Cards


Looking for something special? Then consider one of our Premium Cards to experience a level of membership that complements and enhances your lifestyle.
.Learn more

Rewards Cards


Get all the convenience and security of an American Express Card while earning Membership Rewards Points.

Credit and Charge Cards Explained


Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card guides are a great place to start.


What is Card Interest

How Credit Cards and Charge Cards work


What is Credit Limit


Earning Loyalty Points


Earn Air Miles


What is a Charge Card


What Card fees am I expected to pay


How to choose a type of Card





American Express® Benefits

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Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your card.

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Access to our customer service is available 24/7 by phone, text or email.

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Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay and Apple PayTM you can even pay with your phone.


Explore Our Credit Cards

American Express Offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.