American Express (AmEx) is a multinational financial services provider headquartered in America. The company is renowned for its range of premium American Express credit cards. The international credit card issuer also expanded into the Indian financial market with a wide range of credit cards for different categories of customers in the country. If you want to apply for an Amex credit card, get to know more about American Express credit card eligibility, the top cards from the company and how to apply for an American Express credit card.
American Express offers a wide range of credit cards suited for its Indian customers. Check out the key highlights of some of the best American Express credit cards below.
Joining Fee: ₹60,000
Renewal Fee: ₹60,000
Welcome Benefits: Stay vouchers worth ₹45,000 from SeleQtions, Vivanta Hotels and Taj
Reward Type: Reward points
Ideal For: Travel and shopping
Joining Fee: ₹5,000
Renewal Fee: ₹10,000
Welcome Benefits: 11,000 bonus membership rewards points
Reward Type: Reward points
Ideal For: Travel, shopping and dining
Joining Fee: ₹1,000
Renewal Fee: ₹4,500
Welcome Benefits: 4,000 bonus membership rewards points
Reward Type: Reward points
Ideal For: Travel and shopping
Joining Fee: ₹3,500
Renewal Fee: ₹5,000
Welcome Benefits: 10,000 membership rewards points that can be redeemed for Flipkart vouchers or the ‘Pay with Points’ option in the Amex Travel Online facility worth ₹3,000
Reward Type: Reward points
Ideal For: Travel
Joining Fee: ₹1,000
Renewal Fee: ₹4,500
Welcome Benefits: 4,000 bonus membership rewards points
Reward Type: Reward points
Ideal For: Shopping
Joining Fee: ₹495
Renewal Fee: ₹495
Welcome Benefits: ₹500 cashback in form of statement credit on ₹10,000 worth of eligible spends made in the first 90 days of obtaining the card membership
Reward Type: Reward points
Ideal For: Shopping
Before you decide to apply for an Amex credit card, you need to know which card from the company best aligns with your spending habits. So, check out the top features and benefits of the various American Express credit cards below.
Access to the best-in-class airport lounges
Benefits worth ₹37,000 on each booking made at any of the 1000+ partner properties
Air accident insurance, overseas medical insurance and purchase protection
Complimentary movie or online shopping vouchers worth ₹6,000 each year
Complimentary access to domestic lounges and Priority Pass membership
Complimentary access to 32 green courses in India for golf enthusiasts
Option to redeem reward points for products in the 18 karat and 24 karat gold collection
No pre-set spending limit
Option to redeem points for a wide range of exciting rewards in the form of vouchers from leading stores and brands
Complimentary access to domestic airport lounges 8 times per year (limited to 2 visits per quarter)
Flipkart vouchers or travel benefits from ATO on hitting milestone spends
Taj Experiences E-Gift Card worth ₹10,000
Option to convert big purchases into EMIs
Zero lost card liability and emergency card replacement
Discounts of up to 20% on dining expenses at select restaurants
Gift vouchers on reaching spend milestones
Option to convert purchases into EMIs at low interest rates and no foreclosure charges
Waiver of renewal fee on spending ₹40,000 or more in the previous year
If you meet the American Express credit card eligibility criteria, you can apply for an Amex credit card as per your preferences. Check out the details of the eligibility requirements and the documents needed to apply for an American Express credit card.
You may be eligible for an Amex credit card if you:
Are aged 18 years or above
Have a current or permanent residential address in India
Have a good credit history and no defaults in previous payments
Have an Indian or multinational bank savings or current account in India
Have a company that has a trading history of over 12 months (for self-employed applicants)
Meet the personal annual income limits (this varies from one credit card to another)
If you meet the American Express credit card eligibility criteria, you can apply for the credit card you want. Along with your application form, you will also have to submit the following documents.
Passport
Driving licence
Voter's ID card
Aadhaar Card
Job Card issued by NREGA
Salary slips, Income Tax Returns or bank statements as proof of income
American Express credit cards come with a robust rewards program that allows you to earn reward points on various eligible spends. Check out the details of the rewards offered by different American Express credit cards.
Amex Credit Card |
Rewards Offered |
American Express Platinum Card |
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American Express Platinum Reserve Credit Card |
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American Express Gold Card |
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The manner in which you can redeem the reward points earned from your Amex credit cards varies from one card to another. Here are some of the ways in which you can redeem your reward points.
Choose to pay your credit card bill with the points accumulated
Redeem your points for various products and services across categories like accessories, dining, travel and more
Purchase 18 carat and 24 carat gold products from the exclusive gold catalogue
Purchase hotel, travel or shopping vouchers from leading brands
American Express credit card is currently not available on the Bajaj Markets website. If you wish to apply for an Amex credit card online, you can do so by visiting their website. To browse other credit card options, visit Bajaj Markets today!
You can also apply for an American Express credit card offline by following these simple steps:
Visit the nearest American Express branch
Request for the credit card application form
Fill in all the details carefully and publish the requisites documents
Submit your credit card application form at the branch
The executive will contact you for further details
After you apply for an Amex credit card, you can track your credit card application status on the American Express website itself. Alternatively, you can also contact the card issuer’s customer care team or visit the nearest Amex branch for assistance. Keep in mind that whichever option you choose, you will have to submit your registered mobile number and/or your credit card application number.
Once you receive your preferred American Express credit card, you need to activate the card to start using it for making payments and purchases. There are different ways in which you can activate your Amex credit card, as outlined below.
Via your AmEx internet banking account
Through the AmEx mobile banking app
By reaching out to the Amex credit card customer care team
In case you have any queries or concerns regarding your Amex credit card, you can contact the Amex credit card customer care services.
The general American Express 24*7 Customer Care Toll-Free Number is 1-800-419-2122.
American Express Membership Rewards® Credit Card: 0124-280 1418, 1800 419 0167
American Express® Platinum Travel Credit Card: 1800 419 2122, 0124-2801122
American Express SmartEarnTM Credit Card: 1800 180 1249, 0124-280-1101
The email ID of American Express credit card is customerservicesindia@aexp.com
All the credit cards offered by American Express are the best in their class. However, if you're looking for exciting rewards while saving more on your spending then you should apply for an Amex Membership Rewards® Credit Card.
Also, if you're a frequent traveller then the American Express® Platinum Travel Credit Card would be the best choice for you. On the other hand, if you're a shopping enthusiast then go for an American Express Membership Rewards® Credit Card
An applicant needs to have a credit score of 750 or higher to apply for an American Express credit card.
The minimum salary required to apply for an American Express credit card is ₹4.5 Lakhs. This figure does vary based on the card that you choose.
Reach out to a customer care executive using the Amex credit card customer care number. A customer service representative shall guide you through the process to upgrade or downgrade your Amex credit card.
Yes, you can use your American Express credit card in a foreign country.
Besides the American Express Banking Corp, Amex cards in India are also provided by banks like ICICI, HDFC, Citibank and IndusInd bank.
Amex cards are not accepted by all retailers in India due to high processing charges as compared to Mastercard or a Visa.
You can redeem your Membership Reward Points from Amex Travel Online or their partner’s website to enjoy benefits like discounts, cashbacks, vouchers, etc.
If you are an Amex credit cardholder, the company allows you to apply for supplementary credit cards for your family members.
The annual charges for American Express SmartEarn are ₹495, ₹5,000 for American Express® Platinum Travel, and ₹4,500 for American Express Membership Rewards® Credit Card.