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.
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.
American Express will convey the decision on your card application within 15 working days from the date of receipt of the application, provided your application is complete in all respects and is submitted along with all the documents as per bank’s requirements. If necessary documentation is not received or in case of any other exceptional scenario, American Express will notify the applicant on the decision within 90 days from the receipt of application, beyond which an application will not be processed.
To help the process please double check your entries and make sure that you have all the necessary documents ready.