**Disclaimer: American Express Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.
American Express, also known as Amex is an American multinational bank that offers a diverse range of financial services. Founded in 1850, the company has its headquarters in New York City. The company is highly acclaimed for its credit card, charge card, and traveller’s cheque businesses.
American Express® offers a broad range of credit cards best suited for individuals who love to explore the world and shop. The card comes with a host of privileges, discounts, and offers on dining, movies, shopping, lifestyle, and more. The Amex credit cards offer the highest savings on multiple categories of spends, comes with exciting rewards programmes along with various exclusive offers. Globally appreciated for their outstanding customer service and attractive rewards, American Express has a card for everyone that can be used for International spend as well. Whether you’re looking to save more on your spending, earn cashback, or get rewards for your transactions, there’s an AMEX card for you. Let's have a look at the details of the best credit cards from American Express.
ON THIS PAGE: Features | Top Amex Cards | Eligibility & Documents | Fees & Charges | Reward Programs | Customer Care | How to Apply? | FAQs
Users will get 1 Membership Reward Point on every Rs. 50 spent (Reward Points are not applicable on Fuel, Insurance, Utilities and Cash Transactions).
Easily convert your credit card purchases into convenient EMI at the point of sale with an interest rate as low as 12% p.a. with zero foreclosure charges.
Your convenience fee will be waived off on making transactions of up to Rs. 25,000 and 0.3% of convenience fee will be charged on transactions above Rs. 25,000, only at HPCL fuel stations.
Enjoy 4 complimentary domestic airport lounge access per quarter with your American Express® Platinum Travel Credit Card.
With the Amex SmartEarn™ Credit Card, you can earn 10X Membership Rewards® Points on your spending on Uber and Flipkart. Additionally, you can earn 5X Membership Rewards Points on Amazon, Myntra, Grofers, BookMyShow, and more.
Use your Amex Membership Rewards® Credit Card at least 4 times per month to transact Rs. 1,000 or more and earn 1,000 bonus Membership Reward Points.
The American Express Membership Rewards® Credit Card is one of the best entry-level credit cards that offer great rewards to its users. This highly rewarding credit card is an absolute delight for the shoppers as it gives an assured return on spend, avail 4,000 bonus reward points, get travel discounts, exciting gift vouchers, and a lot more.
The American Express® Platinum Travel Credit Card is one of the best travel credit card which is specially designed to cater to the needs of the frequent traveller. The card offers premium travel benefits including airport lounge access, exciting travel vouchers, Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels, and a lot more. The card will bring you a Welcome Gift of 10,000 Membership Rewards points redeemable for Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 3,000.
If you are looking for a credit card that best suits your shopping, transportation, and entertainment needs then the American Express SmartEarn Credit Card is a great fit. Primarily targeted towards the masses, this entry-level credit comes with low annual fees and a low annual spend threshold for the fee waiver. The Amex SmartEarn Card has signed up with multiple brands and merchants which allows the users to get extra rewards and save big on their purchases. Now make your shopping a rewarding experience with American Express SmartEarn Credit Card.
Cardholder should be over 18 years of age.
Cardholder should have a Personal Annual Income of Rs. 6 Lakhs and above.
Cardholder should have an Indian or multinational bank’s savings or current account in India.
The applicant must be an Indian resident.
Identity Proof - Aadhaar Card/ PAN Card/ Driving License/ Voter ID/ Passport
Income Proof - Latest salary slips for salaried, Income Tax Return (ITR) of 2-3 years for self-employed
Residence Proof - Aadhaar Card/ Utility Bills/ Driving License/ Voter ID/ Passport
Type of Fee/Charge |
Amount |
Supplementary Card Fee |
Rs 1,500 |
Over limit charge |
Rs 500 |
Currency Conversion Factor Assessment |
3.50% |
Finance Charges |
1.99% – 3.5% per month* |
Duplicate Statement Fee |
Rs 100 per statement for statements older than 3 months |
Cheque/ECS/NACH Return Fee |
Rs 250 per Returned Instrument |
Surcharge on Purchase of Railway Ticket |
1.8% of the transaction value if booked on the internet (IRCTC) subject to a minimum of Rs 10 |
*Varies from one credit card to another.
Avail exclusive American Express Credit Card offers with Membership Rewards points, accelerated reward earning potential, JP miles collection, and huge cashback on a myriad of categories when you use it for online and offline transactions. The accumulated credit card reward points can be redeemed to book flight tickets, stay in exclusive hotels, enjoy exotic dining experiences, and shop at the premium luxury outlets.
Credit Card |
Reward Points on All Spends |
Reward Points on Special Categories |
Amex Membership Rewards Credit Card |
1 Point /Rs. 50 |
Get 4,000 Bonus Membership Rewards Points for Rs. 2,000 spends within 60 days of card membership. |
Amex Platinum Travel Credit Card |
1 Point /Rs. 50 |
Get 10,000 Membership Rewards Points as a welcome gift redeemable for Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 3,000. |
Amex SmartEarn Credit Card |
1 Point /Rs. 50 |
Get Rs. 500 cashbacks as Welcome Gift on the eligible spending of Rs. 10,000 within the first 90 days of card membership. |
In case you have any queries or concerns regarding your American Express Credit Card, you can contact the Amex credit card customer care executives or opt to send an email.
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
The email ID of American Express credit card is customerservicesindia@aexp.com
American Express Bank 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 apply for an American Express credit card offline by visiting your nearest American Express branch and request for the credit card application form. Fill in all the details carefully, publish the requisites documents, and submit your credit card application form at the branch. The executive will contact you for further details.
Get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels
Credit Card |
Key Features |
Annual Fee |
|
Get Rs. 500 cashbacks as Welcome Gift on spends of Rs. 10,000 in the first 90 days of Card membership |
Annual Fee of ₹ 495 |
Earn 10X Membership Rewards® Points on all your spending on Flipkart and Uber |
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Earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more |
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Earn 1 Membership Rewards Point for every Rs. 50 spent, except for spends on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale |
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|
Get Welcome Gift of 4,000 Bonus Membership Rewards Points |
Annual Fee of ₹ 1,000 (₹ 4,500 - Second Year onwards) |
Earn 1 Membership Rewards Point for every Rs. 50 spent, except for spends on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale |
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Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above during each Calendar month |
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Enjoy Fuel Convenience Fee Waiver - 0% Convenience fee on fuelling up at HPCL |
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Enjoy exciting discounts of up to 20% every time you dine at select restaurants |
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American Express® Platinum Travel Credit Card |
Enjoy Welcome Gift of 10,000 Membership Rewards points redeemable for Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 3,000 |
Annual Fee of ₹ 3,500 (₹ 5,000 - Second Year onwards) |
Earn 1 Membership Rewards Point for every Rs. 50 spent, except for spends on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale |
||
Enjoy 4 complimentary domestic airport lounge access per year (limited to one complimentary visit per quarter) |
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Get up to 10% cashback on OnePlus devices when you shop at www.oneplus.in |
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Enjoy Fuel Convenience Fee Waiver - 0% Convenience fee on fuelling up at HPCL |
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Enjoy exciting discounts of up to 20% every time you dine at select restaurants |
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Get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels |
All the credit cards offered by American Express are the best of their class. However, if you're looking for exciting rewards while saving more on your spending then you should apply for an American Express 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 and if you're a shopaholic 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 mentioned below:
Minimum Income (Salaried) - Rs. 4.5 Lakhs P.A.
Minimum Income (Self-employed) - Rs. 6 Lakhs P.A. | Company must be trading for over a year
Reach out to a customer care executive using the customer service number on the back of your Amex credit card, and 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 IndusInsd bank. However, as per RBI’s latest advisory, all new Amex credit card applications are now put on hold.
Amex card is not accepted by all retailers in India due to high processing charges as compared to Mastercard or a Visacard. Moreover, as per RBI’s latest advisory, Amex has stopped onboarding new customers in India.