Frequently Asked Questions
Whether you need financial flexibility for a big purchase, or just a safe and easy way to make every-day transactions, a Credit Card or Charge Card is your loyal companion.
Here’s all the information you’ll need to help find the right product for you, and on how to apply.
You can apply for an American Express Credit Card or Charge Card online in as little as 10 minutes. Here’s how:
If your application is successful, you’ll hear from us within 15 days. If not, we’ll notify you on a decision within 90 days.
To help speed up the process, please double check your application and eligibility and make sure that you have all the necessary documents ready.
You can use a Credit Card account to start building a credit history. This should help boost your credit score, showing that you’re a responsible and trusted borrower.
The process for a first-time Credit Card applicant is the same as if you’ve had one before. Follow the steps above.
When you submit your Card application you’ll be asked for the following:
Before you apply for a Card, check the basic eligibility criteria. The critical requirements for American Express Credit and Charge Cards (and most Credit Cards in India) are:
Unsure of which Card to go for? The best Card for you will depend on your financial situation and how you intend to use it. Start by understanding your income and spending habits each month and thinking about how you’ll repay the balance.
Credit Cards charge monthly interest based on the Annual Percentage Rate (APR). They allow you to repay your Card balance either in full or partially each month. Partial payment will attract extra charges/interest.
Credit Cards also allow you to build rewards and take advantage of additional benefits, so opt for a Card that suits your lifestyle.
The outstanding balance on a Charge Card is repaid in full at the end of every month. So if you’re certain you’ll always have sufficient balance to make these monthly repayments, a Charge Card is a useful way to manage your finances.
As with Credit Cards, a Charge Card allows you to earn Membership Reward Points to spend on a variety of benefits.
Both Credit Cards and Charge Cards will help you build a Credit rating. But remember: applying for a Card may not be a good idea for those in poor financial health. If you often reach the Credit limit of your existing Cards and can’t always pay bills on time, then it’s best not to consider another until those are balanced. Also, if your credit score is already low, another inquiry by the prospective Credit Card provider might negatively affect it.
Understanding our Cards, your credit and how to manage debt can help you get the most out of your money. Before you apply for a Card, look at the interest rates, fees, and individual rewards and bonuses to see what suits you best.
Discover more about our different Card types here. Or explore our full range of Cards; you're bound to find something that suits you.