American Express Credit Card

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. 

1. American Express Platinum Card

• 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 

2. American Express Platinum Reserve Credit Card

• 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

3. American Express Gold Card

• 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

4. American Express Platinum Travel Credit Card

• 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

5. American Express Membership Rewards Credit Card

• Joining Fee: ₹1,000

• Renewal Fee: ₹4,500

• Welcome Benefits: 4,000 bonus membership rewards points

• Reward Type: Reward points

• Ideal For: Shopping

6. American Express SmartEarn Credit Card

• 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. 

1. American Express Platinum Card

• 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

2. American Express Platinum Reserve Credit Card

• 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

3. American Express Gold Card

• 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 

4. American Express Platinum Travel Credit Card

• 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

5. American Express Membership Rewards Credit Card

• 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

6. American Express SmartEarn Credit Card

• 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.

1. Eligibility Criteria:

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) 

2. Documents Required:

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. 

• PAN Card

• 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. 

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.

1. Amex Credit Card Customer Care Number

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

2. Amex Credit Card Customer Care Email ID

The email ID of American Express credit card is customerservicesindia@aexp.com