Amex Credit Card

**Disclaimer: American Express Bank is not a Finserv 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.

Amex Credit Card Features and Benefits

  • Rewards Program

Users will get 1 Membership Reward Point on every Rs. 50 spent (Reward Points are not applicable on Fuel, Insurance, Utilities and Cash Transactions).

  • American Express EMI

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.

  • Fuel Convenience Fee Waiver

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.

  • Airport Lounges

Enjoy 4 complimentary domestic airport lounge access per quarter with your American Express® Platinum Travel Credit Card.

  • Accelerated Earn Rate

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. 

  • Bonus Reward Points

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. 

Best Amex Credit Cards

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.

Amex Credit Card Eligibility Criteria and Documents Required

Amex Credit Cards Eligibility Criteria

  • 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.

Documents Required for Amex Credit Cards

  • 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

Amex Credit Cards Fees and Charges

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.

Amex Credit Cards Rewards Program

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.

Amex Credit Card Customer Care

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.

  • 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

  • Amex Credit Card Customer Care Email ID

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

How to Apply for Amex Credit Card Online?

American Express Bank Card is currently not available on the Finserv 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 Finserv 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.

Important Features of Top Amex Credit Cards

 

Get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels

Credit Card

Key Features

Annual Fee


American Express SmartEarn™ Credit Card

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

 
 

Earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more

 
 

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

 


American Express Membership Rewards® Credit Card

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

 
 

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

 
 

Enjoy Fuel Convenience Fee Waiver - 0% Convenience fee on fuelling up at HPCL

 
 

Enjoy exciting discounts of up to 20% every time you dine at select restaurants

 

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)

 
 

Get up to 10% cashback on OnePlus devices when you shop at www.oneplus.in

 
 

Enjoy Fuel Convenience Fee Waiver - 0% Convenience fee on fuelling up at HPCL

 
 

Enjoy exciting discounts of up to 20% every time you dine at select restaurants

 
  Get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels  

FAQs on Amex Credit Card

  • ✔️Which is the best American Express credit card?

    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.

  • ✔️What is the minimum credit score required for an American Express credit card?

    An applicant needs to have a credit score of 750 or higher to apply for an American Express credit card

  • ✔️What is the minimum salary required 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

  • ✔️Can I change my Amex credit card type?

    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.

  • ✔️Can I use my American Express credit card in a foreign country?

    Yes, you can use your American Express credit card in a foreign country.

  • ✔️Which bank provides American Express credit card?

    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.

  • ✔️Is Amex card accepted in India?

    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.