Terms & Conditions
“American Express” means American Express Banking Corp., a corporation organised under the
New York State Banking Law, USA, with limited liability; authorised to carry on banking business in India.
“American Express Card” (“Card”) and Card Account mean Basic Card and Account for any of Indian
Rupee Platinum, Gold, Personal, Credit, Corporate Platinum, Corporate Gold, any Co branded and affinity Cards
issued by American Express.
“Cardmember(s)”, unless otherwise specified, mean holders of such American Express Cards.
“Fee” means the Annual Fee of enrolment in the Frequent Traveller Option and/or the Non-Frequent
Traveller Option as the case may be, determined by American Express from time to time.
“Frequent Traveller Option” or FTO means the option under which the Membership Rewards Points can
be converted into Air Miles along with other Rewards options.
“Non-Frequent Traveller Option” or NFTO is the option under which the Membership Rewards can be
redeemed against Rewards other than Air Miles and Frequent Customer/Guest Programme.
“Frequent Customer/Guest Programme” means any loyalty programme of any participating hotel or
airlines into which Points can be transferred.
“Frequent Traveller Rewards” means the transfer of Points into any one or more participating
Airline/Hotel Frequent Customer/Guest Programs and other such Rewards that may be added from time
“General Frequent Traveller Option” or GFTO means the option under which the Membership Rewards Points can be converted into Air Miles along with other Rewards options.
“Linked Accounts” include every single Basic Card Account that is enrolled in the Programme under the
name of the same Basic Cardmember, which are billed in the same currency, and on which all spending is
combined and accumulated under one Membership Rewards Programme Account (“Programme Account”).
“Membership Rewards Programme” or “Programme” means the loyalty programme of American Express
wherein Cardmembers accumulate Points from their spending on their American Express Card/s as
determined by American Express from time to time.
“Membership Rewards Points” or “Points” means the Points accrued through the Programme which can
be exchanged for Frequent Traveller Rewards or Non-Frequent Traveller Rewards.
“Non-Frequent Traveller Rewards” means all rewards provided by the Programme except Frequent
Traveller Rewards and which may include shopping, dining, entertainment, financial services, travel,
unique and experiential Rewards and other such Rewards that may be added from time to time.
“Programme Enrolment Date” will be the first day of the month in which the enrolment application is
received from the Cardmember by American Express in either the Frequent Traveller Option or the
Non- Frequent Traveller Option of the Programme and will remain the same in the event of a transfer from
one to the other. “Enrolment Year” is defined as any twelve-month period commencing on the
Programme Enrolment Date. All Card/s where auto enrolment is applicable, the enrolment date is two
days after application is approved.
ELIGIBILITY & ENROLMENT
Participation in the Programme is open to all Cardmembers residing in India who have an Indian Rupee
billed Card which allows enrolment into the Membership Rewards Programme and whose Accounts are in
good standing. Any person residing in India holding an American Express Card of any other denomination
and billed from any other country is not eligible to participate in this Programme.
Enrolment for Corporate Cardmembers is subject to approval of the Corporate Cardmember’s
Company and American Express, unless enrolment into Membership Rewards is part of any Corporate
Card value proposition. Enrolled Corporate Cards from the same Company cannot be pooled into one
Programme Account. Any Points earned in respect of the Corporate Card are accrued to the respective
Corporate Cardmember for his/her personal use and not to the Corporate Account. In cases where a Corporate Cardmember chooses to link a Corporate Card and a Personal Card together into one
Membership Rewards Account, the Corporate Card Membership Rewards fee will be charged in addition
to any applicable Personal Card fee. Line of Credit Accounts, Business Travel Accounts, Corporate
Purchasing Card, any Card issued for charging central spends of the corporate and other Non-Card
Accounts are not eligible for enrolment in the Programme.
A Cardmember may link-up any number of his American Express Basic Card Accounts for the purpose of
accruing Membership Rewards Points (“Points”), provided that the Cardmember is listed as the Basic
Cardmember for all such Linked Accounts. American Express will designate one of the Linked Accounts
as the “Primary” Account.
On enrolment, Cardmembers are required to pay the applicable annual fee for the Programme. However,
if the Cardmember has more than one American Express Card and wishes to link-up the same, then only
the applicable fee on the designated “Primary” Account will be charged except where the Corporate Card
spending is being linked, where Cardmember will have to pay the fee charged for such Corporate Cards.
Points earned by any Additional/Supplementary Cards will automatically accrue to the Basic Card
Account on which the Additional/Supplementary Cards are issued. Additional/Supplementary Cards
cannot accrue Points separately under an independent Programme Account.
POINTS EARNED IN THE PROGRAMME
a) Subject to 1C below American Express Platinum Card, American Express Platinum Reserve Credit Card, American Express Platinum Travel Credit Card and American Express Platinum Corporate Cards enrolled in the programme will accrue one Point for every Rs. 40 charged on the Cardmembers Account, all other Cards would be accruing 1 Rewards Point on every Rs 50 in purchases except on telecommunications, insurance, fuel and other utility services* where you will earn 1 Membership Rewards Point per Rs. 100.
*Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Other utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations; public housing societies and apartment associations.
b) American Express may at its sole discretion increase or decrease the accrual of the number of Points
charged on Cardmember’s linked Account(s) wither during a promotion campaign for a specific
product or at specific Service Establishments where the charge is incurred or as a feature of a specific
product or any combination thereof.
c) For the American Express Card, the following charges are not eligible for accruing Points:
I. Cash advance and other services
II. Fees and charges
• Express Cash
• American Express Gift Cheque purchases
• American Express Travel Gift Certificate purchases
• Emergency Cheque Cashing
• Cash Advance
• American Express Traveller’s Cheque purchases
• Foreign Exchange purchases in cash or on the Card
• Balance Transfer
• Any Annual fee on the Card
• Surcharge or Transaction fee levied on any charge
• Charges for dishonoured cheques
• Financial charges
• Delinquency charges: late payment and collection charges
• Finance charges
• Charges and Credit Card Account interest charges
• Foreign currency conversion charges
• Overlimit charges
The Cardmember will not accrue Points in his/her Programme Account for amount of any charge
processed by American Express prior to the Programme Enrolment Date, or any charge prepaid by the
Cardmember on a Linked Account prior to the first billing statement of that Account following the
Programme Enrolment Date of the Programme Account.
Points accrued in any Programme Account do not constitute any property of the Cardmember and are
not transferable by operation of law or otherwise to any other person or entity and cannot be transferred
to, or combined with, any other Programme Account.
Adjustment will be made to the Points accrued in the Cardmember’s Programme Account if there is any
credit(s), including those arising from returned goods or services or billing disputes, or debit(s) posted to
a Cardmember’s Linked Account.
Points earned by FTO Enrollees - There is no expiry date for Points earned by FTO Enrollees while
participating in the Programme. However, American Express reserves the right to institute an expiry date
for Points, whether or not the Points have been already accrued or thereafter accrued, by Enrollees.
Points earned by NFTO Enrollees - Points accrued in any other Enrolment Year that have not been
redeemed for Rewards can be carried over for up to two further Enrolment Years. Any Points not used by
the end of the second year after the Enrolment will be forfeited.
Points earned by GFTO Enrollees – Points accrued in any other Enrolment Year that have not been
redeemed for Rewards can be carried over for up to three further Enrolment Years. Any Points not used
by the end of the third year after the Enrolment will be forfeited.
If NFTO Enrollees later enroll in the Frequent Traveller Option, there will be no expiry date for Points
already earned in the Enrolment Year they transfer enrolment to the FTO, provided that they pay the
applicable “Differential Fee”. However, if they use up all Points already accrued before transferring to the
Frequent Traveller Option, no Differential Fee will be charged.
If an FTO/NFTO Enrollee later cancels enrolment, Points already earned, that have not been redeemed
for Rewards or transferred to any participating Programme, shall have to be redeemed within 30 days of
cancellation failing which the same shall automatically stand forfeited.
NOTICE OF ACCUMULATED POINTS
American Express will notify the Basic Cardmember in the monthly Card statement of the Primary
Account of the number of Points accrued under the same Programme Account up to the Point
accumulation date, immediately preceding the closing date for the said monthly statement.
FTO/GFTO Enrollees can redeem Frequent Traveller Rewards, Frequent Customer/Guest Programme Rewards
and Non-Frequent Traveller Rewards. NFTO Enrollees can only redeem Non-Frequent Traveller Rewards.
All Linked Accounts must be in good standing (meaning not overdue or in collection) and not cancelled or
terminated by American Express or the Cardmember (except as provided below) at the time of a
Points accrued in the Cardmember’s Programme Account can only be redeemed by the Basic
Cardmember and not by any Supplementary Cardmembers.
Redeemed Rewards are not exchangeable for other Rewards, or refundable, replaceable, or transferable
for cash or credit under any circumstances. However, Points can be redeemed for payment of any fees payable to American Express at the sole discretion of American Express.
American Express at its sole discretion may offer Points+Pay option wherein Cardmembers will have to
redeem the required Membership Rewards Points along with payment specified to get Rewards. Such
payment will be charged to the Card. The charges for Points purchased under Points Top-up and balance
payment made under Points+Pay are not eligible for earning further Membership Rewards Points.
Once accrued Points in a Cardmember’s Programme Account have been redeemed for any Reward in the
Programme including a transfer of Points to a participating Frequent Customer Programme, such Points
cannot be transferred back into the Cardmember’s Programme Account.
Information supplied on the redemption of certain Rewards may be used by American Express or the
Service Establishments that provide the Rewards for administrative and marketing purposes.
Different levels of Points might be required by FTO, GFTO & NFTO Enrollees for the same redemption option.
Once a Cardmember has converted the Membership Rewards Points to any Rewards option the same cannot be converted back into Membership Rewards Points irrespective of whether the Cardmember has or has not redeemed the rewards option(s).
REDEEMING NON FREQUENT TRAVELLER REWARDS
Only FTO/GFTO/NFTO Enrollees who have paid the applicable fees, can redeem Non-Frequent
Traveller Rewards detailed in this brochure at the Service/Participating Establishment that provides the
specific Rewards during the validity period of the respective offers.
All Rewards are subject to availability and certain restrictions, which may apply. The redemption procedure
and the Terms & Conditions of each Reward are set forth in the Rewards Certificate issued to the Cardmember.
Any additional meals, transportation, accommodation arrangements or any other incidental expenses
made in connection with any Reward will be the sole responsibility of the Cardmember.
In the event that the Reward takes the form of a cash savings voucher, should the Cardmember purchase
goods or services in excess of the value noted on such savings voucher, the Cardmember should endeavour
to use the American Express Card, to pay the difference to the participating Service Establishment.
Unless otherwise specified, if a shopping Reward in the form of a voucher is redeemed, the voucher cannot be used in association with other special offers offered by the Service Establishments or
Issuance of a dining, travel or hotel certificate does not constitute a reservation. The Rewards Voucher
holder is responsible for making all reservations and notifying the participating Service Establishments
of the Reward(s) they are going to redeem.
Other American Express Card benefits e.g., the Purchase Protection Plan, which are activated with Card
use, do not apply to goods or articles received as rewards under the Programme.
REDEEMING FREQUENT TRAVELLER REWARDS
Only FTO/GFTO Enrollees who have paid the fee are eligible to redeem Frequent Traveller Rewards.
The Basic Cardmember may convert Points in his/her Programme Account to any participating Frequent
Customer Programme, subject to the specific airline or hotel's requirement. Cardmembers are subject to
and must comply with, the Terms and Conditions of the Participating Frequent Customer Programs, of
the participating airlines and hotels in which they are enrolled
American Express assumes no responsibility for Points converted from a Cardmember's Programme
Account into a participating Frequent Customer Programme or for the actions of any participating airline
or hotel in connection with its Frequent Customer Programme or otherwise.
Any airline's or hotel's participation in the programme is subject to change with or without notice.
American Express will not, directly or indirectly, assume any responsibility in respect of any such claim.
For Air Miles conversion, a nominal redemption fee of Rs.250 (plus applicable Service Tax) would be levied for all American Express Cards except American Express Platinum Card, American Express Platinum Reserve Credit Card, American Express Platinum Travel Credit Card and American Express Platinum Corporate Cards.
If the amount due as per the monthly statement is not paid by the Payment Due Date (Minimum Amount
Due in case of Credit Card and Full Amount Due in case of Charge Card), Points accrued in the
Membership Rewards Programme for that billing statement month would be forfeited. Any such forfeited
Points may be reinstated by American Express at its sole discretion upon payment of the applicable fee.
This is not applicable on Platinum Card and Platinum Corporate Card, but applicable on all other Cards including Platinum Credit Card
and those linked to Platinum Card and Corporate Cards.
In the event of the Card Cancellation or Deactivation of the Membership Rewards Programme
(cancellation either initiated by the Cardmember or American Express), the accrued Points would need to
be redeemed within 30 days from the date of the cancellation provided there is no outstanding on the
Card. In case of the failure of Cardmember to redeem the Points accrued within the stipulated time of
30 days, the Points shall stand forfeited.
If the Card Account or any Linked Account is not in good standing (overdue or in collection), the
Cardmember's enrolment in the Programme may be cancelled and/or Points accrued in the Programme
Account will be forfeited immediately and will not be capable of transfer, conversion or redemption.
If payment for any enrolled Card Account is overdue, the Cardmember will not be allowed to redeem
Points accrued in the Programme until all Card Accounts are returned to good standing.
Pictures or any artwork shown in Membership Rewards Catalogue is only indicative of the Reward. Actual
Rewards may vary.
Cardmember is solely responsible for any Govt. tax, Service tax, duty or other charge imposed by law in any country
in respect of the Programme, participation in the Programme and any Points converted or acquired or
any other transaction within the Programme.
By redeeming a Reward, the Cardmember releases American Express, its affiliates, subsidiaries, parent
or group companies from any and all liabilities to the Cardmembers or any guests of the Cardmembers
regarding the redemption or use of any Rewards, or other participation in the Programme.
All questions or disputes regarding eligibility for the Programme or eligibility for Points for accrual or
redemption of Rewards including transfer of Points to a participating Frequent Flyer Programme will be
determined by American Express at its sole discretion.
Any dispute concerning goods or services received as a Reward under the Programme, shall be settled
between the Cardmember and the Service/Participating Establishment, which supplied the goods or
services. American Express will bear no responsibility for any loss of whatever nature, resulting from the
redemption of any Frequent Traveller and/or Non-Frequent Traveller Rewards.
The Membership Rewards are being brought by American Express on a "best effort" basis. The features
against every redemption option have been provided by the respective partner. American Express is not
in a position to validate or authenticate such claims and shall take no responsibility for the same.
American Express holds no responsibility for lost or stolen Rewards, Reward Certificates or tickets.
Fraud and abuse relating to the earning of Points in the Programme or redemption of Rewards including
transfer of Points to participating Frequent Customer Programmes may, at the discretion of
American Express, result in forfeiture of accrued Points, as well as cancellation of a Cardmember's
American Express reserves the right to cancel, change or substitute any Reward or Programme Terms
and Conditions at any time, at its sole discretion without prior notice.
American Express can suspend or terminate the Programme at any time it deems necessary. In such a
case, American Express shall give advance written notice to Basic Cardmembers in the manner
it deems appropriate.
American Express' failure to enforce a particular Term or Condition does not constitute a waiver of that
Term or Condition by American Express.
This agreement is only for participation in Programme and does not in any way waive, amend or override
any of the Terms and Conditions of the existing Cardmember agreement with American Express. All such
Cardmember Terms and Conditions continue to remain in full force. In case of conflict between the
Programme Terms and Conditions and the Cardmember Terms and Conditions the former shall prevail
over the latter.
All disputes arising out of this programme shall be subject to the exclusive jurisdiction of competent
courts in State of Delhi.
The aforesaid T&Cs are valid as on April 1, 2013. These Terms and Conditions are subject to change.
Please refer to www.americanexpress.co.in/membershiprewards
for the updated Terms & Conditions
governing this programme.