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

Quotes from 11 banks | Best Offers and Rewards

    Professional Details

    Personal Details

    Different Types of American Express Credit Cards 2018

    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
    • 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 of the card membership, 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
    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
    • Benefits on your travel bookings with MakeMyTrip.com
    • Greater flexibility with no pre-set limit2 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 life3 as long you hold the same

    Footnotes

    1. Till July 31, 2017, you will earn 1,000 membership reward points® when you complete 4 transactions each of ₹1,000 or more in a calendar month. 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 calendar month on American Express Gold Card.
    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 the American Express Gold Credit Card which is free for life. Please note, this Card will be Lifetime free as long as you hold the American Express Gold Card. In case, you want to apply for American Express Gold Card only, Please SMS “GOLD” to 5616166.

    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 a purchase of ₹1,000 or more every month to accumulate 1,000 bonus membership rewards points
    • 1 membership rewards point to be earned on every¹ ₹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.
    Other Privileges
    • Redemption of reward points from the fabulous 18 and 24 carat gold collection
    • Enjoy discounts on booking travel tickets and hotel accommodation using the card at MakeMytrip.com
    • A flat discount of ₹400 on booking a domestic flight (round trip) for a minimum transaction value of ₹5,000
    • Get a flat discount of ₹200 on booking a one-way domestic flight for a minimum of ₹2,500
    • Enjoy an instant 5% discount on booking an international flight for a minimum of ₹15,000
    • Grab 25% discount on the base price of a domestic hotel stay by booking it for a minimum value of ₹2,500. The maximum discount is, however, capped to ₹10,000.
    • A flat 12% off on the base price of an international hotel. There’s no maximum limit and minimum booking amount criteria applicable.
    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 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 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

    Footnotes

    1. Welcome Gift is available only in the 1st year of Card membership 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. Card member/accompanied guest has to pay a usage fee of US$ 27 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 Gift1 of 5,000 Milestone Bonus Membership Rewards Points
    • Spend ₹1.90 lacs in a year and get Travel Vouchers³ worth over ₹7,700
    • Spend ₹4 lacs in a year and additionally get Travel Vouchers2 worth up to ₹11,8003
    • .
    • Also get a voucher4 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 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.

    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 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$ 27 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

    11. MakeMyTrip.com Offer Terms and Conditions apply

    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 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.

    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

    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 Reserve 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 – Latest 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 ‘Best 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 Credit 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, 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 ad 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.

    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 range, 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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