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Credit Card and Charge Cards Fees

All Credit Cards come with charges regardless of the provider. Charges are a necessary part of Credit Card packages from the basis of its availability to the public. Understanding which charges to look at and which to focus on helps you get the best Card and make the best use of it.

What Credit Card charges do I need to pay?


The charges you pay partly depend on the type of Card you have and how you use it.


Annual Percentage Rate (APR)

APR stands for Annual Percentage Rate. Your Credit Card agreement will determine a rate of APR you are required to pay on any outstanding balance carried forward each month. The APR is calculated as a yearly interest rate that is then applied to your outstanding balance each month.


APR is often applied differently to different uses of your Credit Card. For example APR charge will vary from card to card.
 Credit Card fees (annual fees)


Credit Card fees (annual fees)

Credit Cards charge an annual fee.


For example the American ExpressR Platinum ReserveSM Credit Card charges Rs. 5,000 plus applicable taxes in First Year and Rs. 10,000 plus applicable taxes second year onwards. Cardholders enjoy a range of benefits including exclusive dining experiences, course entry and airport lounge use.

How to avoid additional Credit Card charges?


Credit Cards are a great tool in personal finance but many of us worry about ending up in debt. With careful financial management you can avoid paying extra charges on your Credit Card wherever possible.

What exactly is a ‘Credit Card minimum repayment’?


Minimum Amount Due is the minimum amount that you need to pay to your credit card issuer by the payment due date to keep your account regular and avoid incurring any late payment fees and/or adversely impacting your credit score.

Useful terms

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


How to choose a type of Card

American Express® Benefits

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

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

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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.