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 Shop confidently with SafeKey®  

An enhanced level of security when you use your Card online






Complete peace of mind when you shop online.

We want you to feel confident when you make a purchase with your American Express Card.






What is it?

A feature that uses the latest 3D Secure technology to help protect you against fraud

while shopping online by confirming it's really you making the purchase.



When will I see it?


 We've joined forces with participating online merchants to offer you this improved level of online shopping protection.


When you shop at an online merchant, the SafeKey screen will appear towards the end of your checkout process.

in express




What do I have to do ?


SafeKey will work in the background as you make your purchase. 


Once the SafeKey screen appears during an online transaction, we will instantly send you a six-digit

One Time Password (OTP) by text and/or email. Simply enter the OTP to

complete your transaction. You may select the 'Use Pay with Points' option to pay
using your Membership Rewards® points.


Or, we may send a push notification to your mobile device. 

It is quicker and easier than receiving a OTP via an SMS or email,

but just as secure. All you need to do is download the Amex App and
enable Push notifications on your device.


You will have to confirm the purchase to complete the transaction.

Verifying via the push notification replaces the requirement of entering a OTP.


If you still prefer to receive an OTP via email or SMS, you can opt to do so from the

SafeKey screen that appears during the transaction. 


You are automatically registered for SafeKey, Just ensure we have up to date

contact details for you and we'll take care of the rest. 


Unlock more with safekey


Use points with Safekey



use points with safekey


From flights and hotel stays, to dining and electronics,

find out how to redeem your Membership  Rewards®

points with SafeKey.


Equated Monthly Installments



equated monthly installments (EMI)

Convert your online purchases into easy-to-manage EMIs with


Simply choose the EMI option when prompted and enjoy

a more convenient way to pay.




Faster online payments: ezeClick


Simply give your consent once and do away with OTPs for transactions upto INR 2,000 using American Express ezeClick.


You can change your preference by clicking on the Settings icon on the top right corner of the SafeKey screen. 

Occasionally you may be prompted to enter an OTP for added verification.





SafeKey FAQs



SafeKey Terms and Conditions


To view the Terms and Conditions, please click here.







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