Credit Cards and Charge Cards work

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 / JPMiles 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

FRAUD AND SHOPPING PROTECTION

FRAUD AND SHOPPING PROTECTION

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



 
WORLD CLASS CUSTOMER SERVICE

WORLD CLASS CUSTOMER SERVICE

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




 
CONTACTLESS PAYMENTS

CONTACTLESS PAYMENTS

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.