american express india credit and charge cards information

Get your Credit and Charge Card Information

In this era of digitization and consumerism, Credit and Charge Cards are the tools to back your dreams and enhance your shopping experience. Whether it’s your love for travel or that newly launched gadget, American Express has got a Card for you to complement your lifestyle and preferences. But before you choose to get a Card for yourself, let’s first understand the benefits and features of Amex Cards and how they can help decide the best Card for you. This page provides all the information and advice you would require in making an informed decision while applying for a Card of your choice. 

Getting your Card


Applying for an American Express Card is easy. We offer you a gamut of Credit and Charge Cards. Determining which Card best suits your needs is the first step towards getting your Card. Use the guide below to understand more about Credit Cards and Charge Cards and compare their benefits, interest rates, and fees. You can then apply for a Card of your choice online. We, at American Express, respond to your online application on priority with a response time of less than 60 seconds, followed by a confirmation mail or message apprising you of further actions to be taken.


Credit Cards vs Charge Cards

The terms “Credit Card” and “Charge Card” are often used interchangeably, but there are key differences between them. It’s essential to understand the differences and compare the Cards before choosing the right one for you. Learn more about the benefits and privileges of Amex Cards to help make an informed decision. 


Fees and charges

Your Credit Card comes with a fee that varies with Card type. Also, there are some additional charges and interest rates associated with your Card. Learn how you can avoid paying any additional charges and use your Card optimally.


Choosing Card Type

Whether you want to earn loyalty points for Membership Rewards, travel rewards, or enjoy a luxurious lifestyle, here, you can find a Card that will suit your needs. If you are not looking for a Credit Card, our Charge Cards might be of interest to you.


How to apply for a Card

Learn about the application process for your American Express Card. Find out about the eligibility criteria and impact of the Credit Score on the Card interest. 


Using your Card



An American Express Card is a convenient way to pay for your purchases at millions of businesses worldwide. Our guide to interest rates, credit limit, earning loyalty points, and travel benefits will help you make the most of your Card as you use it for shopping, dining, travel, and more. Additionally, earn Membership Rewards Points  on using your Card, except for spends at Fuel, Utilities, Insurance, and Cash Transactions.



Interest Rates

Find out when and how the Credit Cards charge you fees for the money they lend to you. Learn about APR (Annual Percentage Rate) and how the interest is calculated in your Credit Card monthly statement. This can help you choose the right Card, keeping in view your spending pattern and payment history.

Credit Card Limits

Your Credit Card comes with a limit on the maximum amount you can spend. Understand the significance of your Card’s limit and what you can do to enhance your Credit Card limit. 

Earning Loyalty Points


Learn more about Amex Rewards programs and how you can earn and use Membership Rewards® points to enjoy the benefits and rewards of your American Express Card.

Earn Membership Rewards® Points


Each time you swipe your American Express Card, you earn points. So, whether you are a frequent traveller or someone who enjoys shopping, these points are your gateway to a huge range of rewards and benefits such as discounts, complimentary lounge access, vouchers, membership to exclusive frequent flyers programme and a lot more. Use the information links below to learn all about the Membership Rewards points, view offers, and compare the Cards to choose the one best for you. Also, discover the power of accelerated Rewards points.


American Express Rewards Cards

Learn about the Amex Rewards Cards, which let you earn easy Rewards points. Amex Membership Rewards Programs offer a vast range of retailers and service providers for you to choose the perfect reward for yourself.


Earn 10X and 5X Reward Points

You can earn 10X Membership Rewards® Points on all your spending on Flipkart and Uber and earn 5X Membership Rewards Points on Amazon, Swiggy, BookMyShow, and more. Find out more about the exclusive deals American Express SmartEarn Credit Card has to offer. 


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

american express india 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.

american express india world class customer service


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

american express india 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.