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Amex is a short form used for American Express. In this fast-evolving world, it is very important that you are aware of the services and facilities offered by the institution. 


American Express Bank provides user-friendly services and products. One notable example is the Amex credit card bill payment feature. You can easily pay your Amex credit card bill in numerous ways. 


The Amex credit card payment process saves time and is hassle-free. You can opt for online or offline modes to pay Amex credit card bills. Furthermore, you can schedule automatic payments to avoid any defaults.


Read on to understand how you can pay the Amex credit card bill easily.

Amex Credit Card Payment Methods

A wide variety of options are available to account holders and non-account holders to pay Amex credit card bills online. All these methods are designed to provide a hassle-free experience.


Amex Credit Card Bill Payment Online Methods


NEFT stands for National Electronic Funds Transfer. It is a straightforward and viable payment option to pay Amex credit card bills online. However, you need to be careful while filling in the payment details. 


Check out an example below:

  • Payee Name: American Express

  • Payee Account No.: 37XXXXXXXXXXXXXXX (Make sure that you enter a 15-digit account number starting with 37)

  • Name of Bank: Standard Chartered Bank

  • Account Type: Current

  • IFSC Code: SCBL0036020

  • Home Branch Address: Standard Chartered Bank, Narain Manzil, 23 Barakhamba Road, New Delhi - 110001

2. MobiKwik

MobiKwik is one of the fastest options to pay Amex credit card bills. Simply visit the official portal or download the MobiKwik application as per your convenience.


Follow the steps mentioned below to use this method:

  • Step 1: Visit the MobiKwik App or portal

  • Step 2: Go to the ‘Recharge and Bill’ page

  • Step 3: Enter details like credit card number and bill amount

  • Step 4: Choose the payment mode and fill in the voucher code (if any)

  • Step 5: Tap on the ‘Confirm’ button, and you are done

3. UPI

UPI stands for Unified Payments Interface. This is one of India’s most popular and preferred payment modes and you can use it to pay your Amex credit card bill. Simply log in to the app using your credentials and then enter the account number to initiate your payment.

4. Other Modes

You can also pay your American Express credit card bills using debit cards (powered by RuPay), credit cards, and cheques.

5. Direct Debit

Here, you need to register your card, and the total outstanding amount will be taken from your account every month. This is controlled and maintained by the National Payment Corporation of India’s National Automated Clearing House (NACH). 


Download the form online to enrol your card for the autopay feature, fill in the required details and submit it. The process will be completed in 5 business days.

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Amex Credit Card Payment Offline Methods

Whether you are an account holder or a non-account holder, you can also opt for various offline options to pay your Amex credit card bill. Here are a few options:

1. Courier

To pay Amex credit card bills, you can send a cheque/demand draft of the total outstanding amount by courier, payable to ‘AEBC Card No. 37XXXXXXXXXXXXXXX’.


You can send the courier to the following address:

American Express Banking Corporation Cyber City Tower ‘C’

DFL Building No. 8, Sector 25, DLF City Phase II

Gurgaon - 122002, Haryana

2. Drop Boxes

You can also search for the nearest drop box to pay American Express credit card bills. Simply drop in your cheque/bank draft of the total outstanding amount. Make sure you mention important details like ‘AEBC Card No. 37XXXXXXXXXXXXXXX’


Refrain from placing cash inside the drop box. Also, remember that payments made using cheques will be processed only after American Express gets a confirmation from the concerned bank regarding sufficient funds.

3. Call

You can also contact Amex credit card customer care at 1-800-419-2122. Provide the required information to the team for further guidance on the process.


Payment Processing Time for the Various Amex Card payments Methods


Processing Time


1-2 business days

Direct Debit (Online Enrolment)

5 business days

Mobile Application

3-4 hours


2-3 business days


2-3 weeks

Direct Debit (Offline Enrolment)

3-4 weeks


2-3 weeks


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on Amex Credit Card Payment

How do I pay an American Express credit card bill?

You can pay Amex credit card bills using various online and offline methods. For example, you can pay the bills by NEFT, UPI, debit card or credit card. You can also use the direct fund transfer method.

How can I make Amex credit card payments through BillDesk?

To pay Amex credit card bills via BillDesk, visit the official Amex website. Then, enter the card details, amount and other required information. The portal will ask for confirmation before initiating the transaction. Once the transaction is complete, you will receive an online confirmation.

Can I pay my American Express Card bill through a debit card?

Yes, you can pay your American Express credit card bill using your debit card. Amex only accepts debit cards powered by RuPay. If your debit card is linked with RuPay, then a debit card is a good payment option.

How much time does it take to process an NEFT payment?

The exact time processing time when you pay an Amex credit card bill via NEFT depends on the bank you are using. Usually, it takes less than an hour. Since January 2020, NEFT no longer has time limits. You can now make an NEFT payment 24X7.

Do I have to pay fees to pay bills using the BillDesk?

No, you do not incur additional charges when you pay the Amex credit card bill via BillDesk.

Can I set up my current account to accept direct debits?

Yes, a standing instruction of an automatic debits is possible on savings, current, NRO and other account types. This helps you pay your Amex credit card bill with ease.

How long will it take to complete Direct Debit enrolment?

It can take up to 5 working days to complete the auto or direct debit enrolment process. This depends on your bank.

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