American Express Credit Card

A credit card is issued by banks and other financial institutions to let people shop online or at the offline stores. The American Express Company, also called as Amex, is a leading provider of top-notch credit cards. It has a wide range of exclusively designed high-end credit cards that can fulfill the needs of many including the elite class of customers. When it comes to Amex cards, it is surely a dream of every individual to own them. Decked with unmatched features and remarkable perks, American Express credit card is a complete delight for the shoppers. The cards have the potential to transform your life completely as they come with a host of unmatched benefits and features. With such impressive features, it won’t be wrong to rank them among the best-selling credit cards in India. No matter what sort of benefits you are looking in your new card, these beautifully designed masterpieces will satisfy the shopper within you.

Credit Card

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    Professional Details

    Personal Details

    Types of American Express Credit Cards

    Amex offers a wide range of cards catering to specific requirements of the customers. Of all the Amex credit cards, the following five have become extremely popular.

    • Gold Card
    • MakeMyTrip Card
    • Platinum Reserve Card
    • Platinum Travel Card
    • Jet Airways Platinum Card

    American Express Gold Card

    ParticularsDetails
    Reward Points
    • Get 4,000 Bonus Membership Rewards® Points on using the Card 3 times within the first 60 days on the payment of annual fee

    • 1,000 bonus reward points on 6 transactions each worth ₹1,000 and above

    • 5,000 membership reward points upon the first year card renewal after annual fee payment

    • Reward points would be credited within 90 days of card renewal

    • Earn 1 Membership Rewards Point for every¹ Rs.50 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions
    Other Privileges
    • Reward points redeemable at 18 carat and 24 carat gold collection

    • Reward points also redeemable at more than 50 exciting redemption options including leading airlines, hotels, electronics and others

    • Avail benefits on your travel booking with MakeMyTrip.com2

    • Greater flexibility with no pre-set limit on spending
    Special Offers
    • Round-the-clock card assistance

    • Emergency card replacement facility available

    • Zero lost-card liability

    • 2 supplementary gold cards without any additional cost
    Fees & Charges
    • First Year Fee - ₹1,000+Applicable GST

    • Second Year Onward - ₹4,500+Applicable GST

    Footnotes

    1. With effect from 20th October 2014, you will no longer earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services include providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.

    Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Other utility services include providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations; public housing societies and apartment associations.

    2. MakeMyTrip.com Offer Terms and Conditions apply

    American Express Platinum Reserve Credit Card

    ParticularsDetails
    Reward Points
    • 1 membership reward points® for every ₹50 spent on the Card. This doesn't include expenses incurred on fuel2, cash transactions, utilities2 and insurance

    • Welcome Gift1 of 11,000 Bonus Membership Reward Points

    • Accelerate your Points with up to 20 Bonus Membership Rewards Points

    • Pay for your flights with Membership Rewards Points through ‘Pay with Points'

    • Redeem the points for more than 500 options across travel, accessories, dining and more

    • You can make use of the Membership Rewards Points to pay for the card charges.
    Exciting Privileges
    • Benefits available on your travel bookings with MakeMyTrip

    • Enjoy privileges3at Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts

    • Enjoy complimentary access to American Express Lounge as well as domestic lounges across India

    • Enjoy complimentary membership4 to Priority Pass, with the US$99 annual membership fee waived off

    • Enjoy privileges³ at Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts

    • Enjoy golf sessions, get travel benefits and gain lodging & Elite Tier Memberships with Platinum ReserveSM Credit Card

    • Effective May 8, 2017, your American Express Card may be enabled for contactless payments. To see whether your Card is contactless or not, look for the contactless symbol network on the front and back of your Card.
    Special Offers
    • Special health & wellness benefits³ from Max Healthcare, Texas Medical Concierge and Fortis Healthcare
    Fees & Charges
    • First Year Fee - ₹ 5,000 plus applicable GST

    • From Second Year - ₹ 10,000 plus applicable GST

    Footnotes

    1. Welcome Gift is available only in the 1st year of Cardmembership on payment of the Annual Fee and taking the first charge on the Card.

    2. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services include providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations; public housing societies and apartment associations.

    3. Terms and Conditions apply. Benefits associated with American Express Cards are subject to payment of annual/renewal fee and may be withdrawn

    4. Cardmember/accompanied guest has to pay a usage fee of US$ 27 for every visit

    American Express Platinum Travel Credit Card

    ParticularsDetails
    Reward Points
    • Welcome Gift1 of 5,000 Milestone Bonus Membership Rewards Points redeemable for IndiGo Vouchers worth ₹4000.

    • Spend ₹1.90 lacs in a year and get Travel Vouchers³ worth over ₹7,700

    • Spend Rs.4 lacs in a year and additionally get Travel Vouchers³ worth up to ₹11,8004.
    • You can also be entitled for a voucher4 worth ₹10,000 from the Taj Group.

    • Make four complimentary visits in a year to 29 airport lounges in Mumbai, Bengaluru, Delhi and 9 other cities.

    • Membership Reward Point can be earned on every2 ₹ 50 spent excluding the expenditure on Fuel, Utilities, Cash Transactions, and Insurance

    • 1 membership reward point for every8 ₹50 spent on the card

    • Earn upto 20 Bonus membership reward points for every ₹100 charged to your card at our EXTRA Membership Rewards Program Partners9
    Special Privileges
    • Enjoy special privileges on booking your travel via MakeMyTrip.com11

    Special Offers
    • Enjoy complimentary membership6 to Priority Pass, with the US $99 annual membership fee waived off.

    • Chance to enjoy four complimentary visits in a year to 29 airport lounges located in Mumbai, Delhi, Bengaluru along with 9 other cities

    • Avail upto 20% discount10 while dining at select premium restaurants, several cuisines and more with American Express SelectsSM Dining Programme.
    Fees & Charges
    • First Year Fee - ₹3,500 plus applicable GST

    • From Second Year - ₹5,000 plus applicable GST

    Footnotes

    1. Welcome Gift is available only in the 1st year of Cardmembership on payment of the Annual Fee and after taking the first charge on the Card or as mentioned on the most important documents signed at the time of onboarding

    2. With effect from 20th October 2014, you will no longer earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services include providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.

    The Membership Rewards Points on your American Express Platinum Travel Credit Card that have been accrued in any particular enrolment year and have not yet been redeemed can be carried over for up to three further enrolment years. Points not redeemed by the end of the third enrolment year will expire. For example, if your enrolment date is 15th Jan 2017, then the first enrolment year is 15th Jan 2017 to 14th Jan 2018. Any points earned in this enrolment year will expire on 15th Jan 2021.

    3. For Travel Voucher Terms & Conditions, click here

    4. These benefits are over and above the benefits you get on spending Rs. 1.9 Lacs in a year

    5. For Taj Voucher Terms & Conditions, click here

    6. Cardmember/accompanied guest has to pay a usage fee of US$ 27 for every visit

    7. Year is defined as 12 months from the date of card issuance/renewal

    8. Assuming that 10% of the total spend was at Fuel, Insurance and Utilities (which includes Water, Gas and Electricity bill payments) categories wherein you will not earn any Membership Rewards Points.

    9. For details of the Bonus offers, participating merchants, outlets, offer validity and applicable Terms and Conditions please visit www.americanexpress.co.in/bonus rewards

    10. To view all offers, click here

    11. MakeMyTrip.com Offer Terms and Conditions apply

    Jet Airways American Express Platinum Credit Card

    ParticularsDetails
    Reward Points
    • A welcome gift1 of 10,000 Bonus JPMiles along with a complimentary Jet Airways base fare waived on domestic ticket on the first charge

    • 8 JPMiles for every2 ₹150 spent excluding the spending on fuel, cash transactions, utilities and insurance

    • Earn 16 JPMiles for every2 ₹150 for booking revenue tickets on Jet Airways
    Exciting Privileges
    • Complimentary visits to 13 Domestic Airport Lounges³ in 11 cities of India

    • Enjoy a complimentary/iPrefer Elite Tier membership³

    • Enjoy a complimentary³ 3rd/4th night stay on booking 2/3 consecutive nights at the same property in Oberoi Hotels & Resorts. Get complimentary breakfast on all the days you stay in that hotel or resort

    • A 5% discount³ available on base fare for revenue ticket bookings made on the website of Jet Airways

    • Get a dedicated check in³ and excess baggage waiver³ of 5 kg on Jet Airways Flights within India

    • Take the benefit of round-the-clock Platinum Concierge Service

    • Enjoy complimentary membership5 to Priority Pass. The annual membership fee of US$99 is waived off exclusively.
    Fees & Charges
    • First Year Fee - ₹ 5,000 plus applicable GST

    • From Second Year - ₹10,000 plus applicable GST

    Footnotes

    1. Welcome Gift is available only in the 1st year of Cardmembership on payment of the Annual Fee

    2. With effect from 20th October 2014, you will earn 8 JPMiles for every Rs. 150 spent as against 6 JPMiles for every Rs. 100 spent earlier. Moreover, your spending on fuel, insurance and utility payments will no longer earn you JPMiles. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.

    3.Terms and conditions apply

    4. List of Partners

    5. Cardmember/accompanied guest has to pay a usage fee of US$ 27 for every visit

    American Express Credit Card Eligibility

    Before applying for American Express Credit Cards, make sure you are aware of the eligibility criteria. If you do not know the same, the following points will be of a great help.

    • A cardholder must be over 18 years of age
    • Must have a saving or current account of an Indian or multinational bank in India
    • Spotless credit history with no record of defaults
    • Permanent residential address in India is required
    • Income criteria can differ across the cards. For example – Platinum Reserve Credit Card requires an individual to earn a personal income of ₹6 lakh a year.

    Apply for American Express Credit Card Online at Wishfin

    You can apply for any of the American Express Credit Cards at Wishfin, an online credit and investment portal which helps you compare and choose the best offers available. Wishfin has a bunch of executives taking care of your application from pre-approval to post-approval stage. You will be updated on the application status by the dedicated staff here. So, come and apply for your favorite American Express Credit Card.

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