American Express Credit Card

About American Express Credit Card

American Express ranks among the top players in India’s credit card segment with an extensive line of offers across several categories – shopping, rewards, travel, etc. Travel membership programs, concierge services and other value-added services only add to the glitter of its cards. And if you are a golf lover, you would enjoy having AMEX cards that would bring the thrill and excitement the game is known for. In a nutshell, American Express Credit Cards offer the following benefits.

  • Up to 11,000 membership reward points as a welcome gift
  • Accelerated rewards
  • Discounts on dining
  • Travel vouchers
  • Priority Pass membership
  • Lounge access at airports, privileges at reputed hotels & resorts, Air Miles on travel booking, complementary golf rounds
  • And much more

So, what are you waiting for? Just glance at these American Express Credit Card benefits in detail.

Credit Card

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    Professional Details

    Personal Details

    Types of American Express Credit Cards 2019

    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. These are basically segregated into shopping and travel categories.

    • Gold Card
    • Membership Rewards Card
    • SmartEarn™ Credit 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 spending INR 2,000 within 60 days of card membership
    • 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 Membership Rewards Point for every¹ Rs.50 spent except for spend at Fuel, Insurance, and Utilities
    Other Privileges
    • Reward points redeemable at 18 and 24 Karat gold collection
    • Reward points also redeemable at more than 50 exciting redemption options including leading airlines, hotels, electronics and others
    • 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
    • Additional gold credit card to be provided which is free for life as long you hold the same

    Footnotes

    1. Starting July 1, 2017, you will earn 1,000 Membership Rewards points when you complete 6 transactions each of ₹1,000 or more in a monthly cycle.
    2. This means that your charges are approved on the basis of your spending pattern, financials, credit record and account history. Please note that ‘no pre-set limit’ does not mean your spending is unlimited.
    3. In addition to this Card, you will also receive two supplementary American Express Gold Credit Cards which is free for life.

    Joining & Annual Fees

    • Joining Fee – ₹1,000 plus applicable GST
    • Annual Fee – ₹4,500 plus applicable GST

    American Express Membership Rewards Credit Card

    ParticularsDetails
    Reward Points
    • A welcome gift of 4,000 Bonus Membership Rewards Points
    • Using the card 4 times for the purchase of ₹1,000 or more every month to accumulate 1,000 bonus membership rewards points
    • 1 membership rewards point to be earned on every ₹50 spent except those on fuel, insurance, cash transactions, and utilities
    • Earn 5,000 membership rewards point at the first-year renewal upon annual fee payment. You would get the points within 90 days of the renewal.
    • Get your annual renewal fee of ₹4500 can be full waived off on spending ₹ 1,50,000 in the preceding membership year and 50% of the fee will be waived off on spending anything between ₹ 90,000 to ₹ 1,49,999.
    Other Privileges
    • Redemption of reward points from the fabulous 18 and 24 Karat Gold Collection
    Special Offers
    • Fuel convenience fee waiver
    • Up to 20% discount on dining at select restaurant partners
    • Purchase worth 5,000 and above convertible to EMI
    • Card replacement during emergency
    • Round-the clock card assistance services
    • Dispute resolution

    Joining & Annual Fees

    • Joining Fee – ₹1,000 plus applicable GST
    • Annual Fee – ₹4,500 plus applicable GST

    American Express SmartEarn™ Credit Card

    ParticularsDetails
    Reward Points
    • Earn 10X membership Reward Points on spends made at Uber and Flipkart
    • Earn 5X membership reward points on spends made at Amazon, Swiggy, BookMyShow, and other merchant partners
    • Earn 1 membership point for every ₹50 spent. However, the rewards won’t be applicable to insurance, utilities, fuel and cash transactions.
    • Reward points redeemable at more than 500 options across luxury retail, electronics, lodging, travel, etc
    Other Privileges
    • Welcome gift of ₹500 cashback on spends worth ₹10,000 within 90 days of the card membership
    • Enjoy renewal fee waiver on eligible spends of ₹40,000 or above in the previous year
    Special Offers
    • Purchases can be converted into EMI at an interest rate of 12% per annum
    • Refundable processing fees and zero foreclosure charges on EMI transactions
    • One Complementary American Express SmartEarnTM Credit Card at no additional cost
    • Round-the-clock card assistance service
    • Zero lost card liability
    • Emergency Card Replacement
    • Dispute Resolution

      Joining & Annual Fees 

      • Annual Fee – ₹495 + Applicable GST

      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 fuel, cash transactions, utilities, and insurance
      • Welcome Gift of 11,000 Bonus Membership Reward Points
      • Movie or Online shopping vouchers worth ₹ 6,000 per year
      • 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
      • Enjoy privileges at 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 membership to Priority Pass, with the US$99 annual membership fee waived off
      • 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 benefits from Max Healthcare

      Footnotes

      1. Welcome Gift is available only in the 1st year of Card membership on payment of the Annual Fee and spedning ₹5,000 within 60 days of the card issuance.

      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. Card member/accompanied guest has to pay a usage fee of US$ 32 for every visit

      Joining & Annual Fees

      • Joining Fee – ₹5,000 plus applicable GST
      • Annual Fee – ₹10,000 plus applicable GST

      American Express Platinum Travel Credit Card

      ParticularsDetails
      Reward Points
      • Welcome Gift of 5,000 Milestone Bonus Membership Rewards Points
      • Spend ₹1.90 lacs in a year and get Travel Vouchers worth over ₹7,700
      • Spend ₹4 lacs in a year and additionally get Travel Vouchers worth up to ₹11,800
      • Also get a voucher worth ₹10,000 from the Taj Hotels, Resorts and Palaces
      • 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 every ₹ 50 spent excluding the expenditure on Fuel, Utilities, Cash Transactions, and Insurance
      • 1 membership reward point for every ₹50 spent on the card
      Special Offers
      • Enjoy complimentary membership 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% discount while dining at select premium restaurants, several cuisines and more with American Express Selects Dining Programme.

      Footnotes

      1. Welcome Gift is available only in the 1st year of Cardmembership on payment of the Annual Fee and on spedning ₹5,000 within 60 days of the card issuance.

      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 Taj Hotels Palaces Resorts Safaris 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. Cardmember/accompanied guest has to pay a usage fee of US$ 32 for every visit

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

      7. 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.

      8. 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

      Joining & Annual Fees

      • Joining Fee – ₹3,500 plus applicable GST
      • Annual Fee – ₹5,000 plus applicable GST

      Jet Airways American Express Platinum Credit Card

      ParticularsDetails
      Reward Points
      • A welcome gift of 10,000 Bonus JPMiles along with a complimentary Jet Airways base fare waived on domestic ticket on the first charge
      • 8 JPMiles for every ₹150 spent excluding the spending on fuel, cash transactions, utilities and insurance
      • Earn 16 JPMiles for every ₹150 for booking revenue tickets on Jet Airways
      Exciting Privileges
      • Complimentary visits to 13 Domestic Airport Lounges in 11 cities of India
      • Enjoy a complimentary/iPrefer Elite Tier membership
      • Enjoy a complimentary 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% discount available on base fare for revenue ticket bookings made on the website of Jet Airways
      • Get a dedicated check in and excess baggage waiver of 5 kg on Jet Airways Flights within India
      • Take the benefit of round-the-clock Platinum Concierge Service
      • Enjoy complimentary membership to Priority Pass. The annual membership fee of US$99 is waived off exclusively.

      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$ 32 for every visit

      Joining & Annual Fees

      • Joining Fee – ₹5,000 plus applicable GST
      • Annual Fee – ₹10,000 plus applicable GST

      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 Travel Credit Card requires an individual to earn a personal income of ₹6 lakh a year.

      Documents Checklist

      You must submit the following documents to ensure your credit card application is approved.

      Identity Proof – PAN Card/Driving License/Voter ID/Passport/Aadhaar Card

      Residence Proof – Driving License/Voter ID/Passport/Aadhaar Card/Utility Bill

      Income Proof – Last 2 months salary slips for salaried, ITR or balance sheet of recent years for self-employed

      Savings or current account statement of any Indian or multinational bank

      American Express Credit Card Apply Online

      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 at this neutral online marketplace.

      WhatsApp Chat – Another Option to Apply for American Express Credit Card at Wishfin

      Yes, a few chat on your WhatsApp can also help you apply for American Express Credit Card at Wishfin. So just visit the official website of Wishfin and follow the below steps to do the same.

      • Go to ‘Credit Cards’ section
      • Click on ‘Credit Card Offers
      • A new page will appear on the screen stating ‘Apply with Ease of WhatsApp Chat’ button amidst the details charted out on cards
      • Just click on the same, enter your mobile number and further click Continue with WhatsApp
      • A WhatsApp link will come to your mobile number
      • Click on the link to get added to a group with Wishfin and you being the members
      • A few chat on personal, professional and credit details before you can submit your application for American Express Credit Card
      • Only when the details are verified successfully, you will get an approval from the lender

      American Express Credit Card Limit

      Now this is one thing that most would want to know, isn’t it? A credit limit represents the extent to which shopping can be made. Yes, it’s about that amount you are eligible for shopping. Well, there’s not a definite answer as to how much credit limit can be offered to you. It, however, depends on the income, repayment potential, credit score and credit history that you may have. Ticking all these positively could raise your limit and help you shop more.

      Even if the limit offered is below than what you were expecting, there’s a chance to get it up through a timely payment of the dues. American Express would keep a close watch on your credit card payment routine. And, on finding it smooth without any delay or default for a reasonable period, the lender can raise the limit. But even then, you must spend within your limit so that the bill does not shoot up. When the bills rise much beyond, a default becomes an outright possibility. In the event of a default, the credit profile and credit score would get affected adversely.

      Amex Credit Card Application Status India

      A few days after submitting the application, you would be curious to know its status, right? Well, you can check it online by entering your social security number and zip code. You can even call the customer care number to know the same. Now, the status can be either approved, pending or rejected. If the application is rejected, you can ask for the reasons. And, if the voids can be filled, do so and get an approval.

      American Express Credit Card Payment Online

      You can login to Internet Banking and pay the bills on or before the due date to avoid a default. Firstly, you need to add the card to the online account to receive an SMS of card addition as well as the due date of the bill in advance. You can thus arrange the required funds to pay the bill on time. Also, there is a Payment Gateway option that can enable payment without having to create a login. Yes, there can be an One-time Password (OTP) which you have to enter before processing the payment.

      Does American Express Have a Mobile App for Credit Card Payment?

      Yes, American Bank has a mobile app that can enable the payment of credit card bills, besides letting you check spends and transactions. You can even redeem the rewards earned for gifts or purchases through the app. Download The American Express Mobile App from Play Store or by giving a missed call at 7043337788.

      How to Make American Express Credit Card Payment Offline?

      You can do it by submitting a cheque or demand draft in favour of the particular American Express Credit Card account number to the drop boxes. You can check the drop boxes locator online.

      Does American Express Credit Card Send Executives to Pick Cheque or Draft from Customers?

      Yes, it does. For that, you need to first dial the customer care number of American Express and ask the official there to send an executive to pick up a cheque or draft from you. Ensure you hand over the same at least 7 working days before the due date so as to prevent the incidence of late payment.

      Amex Credit Card Statement

      American Express will send you statements on a monthly basis, letting you know the due amount as well as its due date. You can get to see the last statement balance, debit and credit transactions, current balance, statement opening balance, payment due, etc. The statement can help you know the dues well in advance so that you get enough time to arrange the funds for a smooth payment.

      You may also get to see the minimum due, accounting for about 5% of the total outstanding balance in a billing cycle, on the statement. Yes, you would find it affordable but doing and continuing so would mount the pressure of debt for you to handle. Particularly those falling for the impulsive buys with a credit card see the total dues beyond their ability to pay in full, forcing them to go with a minimum due routine. This only results in raising the bill amount with the constant addition of interest and taxes. So, you should be spending on your actual requirements and not fancy ones which others may do.

      American Express Credit Card Customer Care Number

      Dial 18004191414 to resolve all your credit card queries, be it the reward point offers or the statement issue. The customer care executives are all waiting to hear you and fix out the issues fast.

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