american express india apply for credit card

How to apply for a Card?

All the information you’ll need to apply for 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 home loan 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 loan 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. Click on the button below to view all our cards and apply.


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.





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.


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.




Explore Cards by Category

Travel Rewards Cards


Enjoy all the benefits, convenience and security of  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.