American Express Credit Card

Amex Credit Card

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 these services:

• Credit card

• Traveller’s cheque businesses

• Insurance

• Charge card

• Travel 

American Express offers a broad range of credit cards best suited for individuals who love to explore the world and shop. The American Express Credit Card comes with a host of privileges, discounts, and offers on dining, movies, shopping, lifestyle, and more. 

So, whether you are looking to save more on your spending, earn cash back, or get rewards for your transactions, there’s an AMEX card for you. If you are a frequent international traveller, you can use this card for your international spending as well. 

Read further to learn more about the best AMEX credit cards and how to apply for American Express Credit Card.

Some of the Best Amex Credit Cards

To help you choose the best American Express Credit Card, here is a list of top cards from different categories. 

1. American Express Membership Rewards Credit Card

The American Express Membership Rewards® Credit Card is one of the best entry-level credit cards. Some of its major benefits include:

• Avail 4,000 bonus reward points as welcome gift

• Earn 5,000 points on your first renewal

• Additional 1,000 points by spending more than ₹20,000 in a month 

• Earn 1,000 bonus membership points for using this card 4 times in a month on transactions of ₹1,500 

• Redeem your reward points to 18K and 24K Gold Collection

2. Amex Platinum Travel Credit Card

The American Express® Platinum Travel Credit Card is one of the best travel credit cards. The company has specially designed it to cater to the needs of the frequent traveller. The following are some of its notable features:

• Taj Experiences E-Gift Card worth ₹10,000 from the Taj, Vivanta, and SeleQtions 

• 8 complimentary access to airport lounges across the country

• ₹4,500 worth of Flipkart vouchers and Amex Travel benefits on annual spending of ₹1.90 Lakhs

• ₹7,500 worth of benefits on annual spending of ₹4 Lakhs

3. American Express SmartEarn Credit Card

This credit card is a great fit for you as it is ideal for diverse shopping, transportation, and entertainment needs. Here are some features of American Express SmartEarn Credit Card:

• ₹500 cashback on spending of ₹10,000 in the first 90 days as a welcome gift

• 10X rewards points on all your spending on Flipkart, Amazon and Uber

• 5X points on Paytm Wallet, Swiggy, BookMyShow, etc.

• Get vouchers worth ₹500 on spending of ₹1.20 Lakhs, ₹1.80 Lakhs, and ₹2.40 Lakhs

To help you in selecting the best American Express Credit Card, here is a table where you can compare various offers on these cards:

Amex Credit Card Features and Benefits

Before you apply for an Amex Credit Card, you must be aware of the cards’ features and benefits. These include:

• Rewards Program: One reward point on every ₹50 spent (not applicable on insurance purchase, utility bills and fuel)

• American Express EMI: Convert your credit card purchases into convenient EMI with an interest rate as low as 1.17% per month with zero foreclosure charges

• Fuel Convenience Fee Waiver: A convenience fee waiver on spendings of up to ₹5,000 at HPCL fuel stations

• Airport Lounges: 8 complimentary domestic airport lounge access in a year with your Amex Platinum Travel Credit Card

• Accelerated Earn Rate: Earn 5-10 times more reward points on certain merchants using your Amex SmartEarn™ Credit Card

• Bonus Reward Points: Earn 1,000 bonus reward points on transacting more than ₹1,500 using Amex Membership Rewards® Credit Card four times in a month

Amex Credit Card Eligibility and Documentation 

Before you decide to apply for Amex Credit Card, see the eligibility criteria that you must fulfil and required documentation:

1. Eligibility to Apply for American Express Credit Cards

• Minimum Age: 18 years

• Personal Annual Income: ₹4.5 Lakhs and above

• Bank Account: A bank’s savings or current account in India

• Citizenship: Must be an Indian resident

2. Documents required for American Express Credit Cards

• Identity Proof: Aadhaar Card/ PAN Card / Voter ID/ Driving License / Passport

• Income Proof: Latest salary slips for salaried, Income Tax Return (ITR) of 2-3 years for self-employed

• Residence Proof: Aadhaar Card/Voter ID/ Passport/ Utility Bills/ Driving License

Amex Credit Cards Rewards Program

Online and offline shopping with these cards lets you avail exclusive American Express Credit Card offers, like: 

• Membership Reward points

• Accelerated reward earning 

• JP miles collection

• Huge cashback on various categories 

You can redeem the accumulated credit card reward points in a myriad of ways, including:

• Book flight tickets

• Stay in exclusive hotels

• Enjoy exotic dining experiences

• Shop at the premium luxury outlets

Amex Credit Card Customer Care

In case you have any queries or concerns regarding your Amex credit card, you can contact the Amex credit card customer care services.

• Amex Credit Card Customer Care Number

The general American Express 24*7 Customer Care Toll-Free Number is 1-800-419-2122.

1. American Express Membership Rewards® Credit Card: 0124-280 1418, 1800 419 0167

2. American Express® Platinum Travel Credit Card: 1800 419 2122, 0124-2801122

3. 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

American Express Credit Cards Reward Redemption

The Membership Reward Points earned using American Express Credit Card can be redeemed against the following:

• Flipkart vouchers

• Travel and hotel vouchers

• Gift cards

• AirMiles that can be redeemed to get discount on next flight booking

• Cash back that can be settled with your credit card statement

The value of Amex credit cards’ Membership Reward points vary between ₹0.25 and ₹0.50. Note that this value depends on the redemption category. 

How to Apply for Amex Credit Card Online

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

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