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How to apply for a Card

How to apply for a Card

All the information you’ll need to apply for an American Express Credit Card and or Charge Card.

Why should I apply for a Credit Card?

Owning a Credit Card opens up a number of doors in personal finance for you.

Firstly you gain incredible flexibility in your spending. You can buy now and pay later, manage your outgoings more carefully and access emergency money at any time.

Secondly, you can build a Credit score. Using a Credit Card regularly and then repaying the balance every month will help you build a better Credit rating. This in turn makes it easier for you to secure a mortgage or larger personal loans. For most of us, buying a house is the largest life expense we will incur – so if running a Credit Card can help secure a better mortgage deal, it has to be a very good idea!
Finally, owning a Credit Card is also a great way to enjoy lifestyle perks. For example American Express Membership Rewards Points can be exchanged for hotel stays, air miles and a variety of other benefits – just from using the Credit Card.


Which is the best Credit Card for me?

The best Card for you will largely be based on how you intend to use a Credit Card.
A good place to start is with an understanding of your spending habits each month and how you will repay the balance.

Credit Cards Charge Cards
Credit Cards charge monthly interest based on the Annual Percentage Rate (APR). Credit Card(s) allow you to repay your Card balance in full or partially each month .Partial payment will attract extra charges/interest
Credit Cards also allow you to build up rewards and take advantage of additional benefits; just for using the Card.
Choosing a Credit Card based on your lifestyle habits allows you to gain a great range of benefits.
The outstanding balance on a Charge Card is repaid, in full, at the end of every month. If you are certain that you will always have a sufficient bank balance to make repayments, then a Charge Card is a useful tool to manage your finances.
Like Credit Cards you can gain Membership Reward Points to spend on a variety of benefits. Our Platinum Card gives a great range of bonuses in a single Charge Card.
The American Express Gold Card allows you to collect Reward Points for much of your regular shopping.
The American Express Platinum Card allows you to enjoy a range of travel benefits including air miles, free hotel stays and use of exclusive airport lounges.
Both Credit Cards and Charge Cards will help you build a Credit rating. Before you apply for a Card, look at the interest rates, rewards and bonuses to see what suits you the most.


Applying for a Card

Am I eligible for a Card?

The key requirements for American Express Credit and Charge Cards (and most Credit Cards in India) are:

  • You must be of legal age
  • You must have Indian residency status
  • You must have an Indian Credit file. You will have a Credit file if you have owned a Credit Card or Charge Card from any other provider
  • You must not have filed for bankruptcy in the past 7 years.


How does my Credit score affect my application?

Your Credit score is the Credit report provided by CIBIL.

Your score is influenced by how you have previously used Credit. It contains details of your Credit history including previous Charge Cards, Credit Cards and loans.

Your Credit score determines the interest rates you will be offered on applying for a Credit Card. If you have a good Credit history you will be able to receive better interest rates and higher levels of Credit spending.

You can find your Credit score by visiting the CIBIL website.


Application Process

How do I apply for a Credit Card or a Charge Card online?

You can apply for a Credit Card by visiting our Credit Card section here.

Our online application takes around ten minutes to complete. You will be asked to provide your address, income and bank details. You will then receive confirmation that we have received your application. You will need to send us documents to prove your legal status and identity.

Application processing typically takes 2-3 weeks from submission. You will be notified directly upon approval or denial of your Credit Card application.

To help the process please double check your entries and make sure that you have all the necessary documents ready.

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.

Some of our Featured Cards

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

Learn More

How Credit Cards and Charge Cards work

Learn More

What is Credit Limit

Learn More

Earning Loyalty Points

Learn More

Earn Air Miles

Learn More

What is a Charge Card

Learn More

What Card fees am I expected to pay

Learn More

How to choose a type of Card

Learn More

American Express Benefits


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

Learn More about Fraud Protection


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

Learn More about Customer Service


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.

Learn more about Contactless Payments

Explore Our Credit Cards

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