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American Express Credit Card Bill Payment

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To ensure you never miss your bill payments, American Express offers several online and offline payment modes. Not only will this help you pay your credit card bills on time, but it will also improve your credit score. You can choose any one of the following methods to pay your American Express credit card outstanding bill.

American Express Credit Card Bill Payment Online

  • NEFT
  • UPI
  • Online payment

American Express Credit Card Bill Payment Offline

  • Direct debit/NACH
  • Cheque via drop boxes
  • Cheque via courier

Ways To Pay Your Card Bill Online

If you want convenience, an online bill payment mode should be your go-to choice. American Express has various online options that give you the freedom to make bill payments on the go and from the comfort of your home.

NEFT

Realised your due date is one day away? You can always choose the NEFT facility to make your card payment instantly. Before you begin the transfer process, you need to add your American Express credit card as a 'Payee'. Here are all the details you need to include:

  • Payee name - American Express
  • Payee account number - Your 15-digit card number (starting with 37)
  • Payee account type - Current
  • Bank Name - Standard Chartered Bank
  • IFSC code - SCBL0036020
  • Branch address - Standard Chartered Bank, Narain Manzil. 23 Barakhamba Road, New Delhi 110001

You don't require an IFSC code if you're paying your card bill through Standard Chartered Online Banking. All you have to do is select 'Transfer to another SCB bank account' to make the payment.

UPI

This is another payment mode that is quick and instant. To pay your American Express card bill, you will have to log in to BHIM or any other UPI-enabled mobile banking app. You will have to make the payment to American Express' UPI VPA, which is AEBC37XXXXXXXXXXXXX@SC. You will have to add your 15-digit credit card number, which begins with 37. You can process the payment after these steps.

Online payment

Through BillDesk, you can pay your American Express card bill anytime and anywhere. This facility is available at more than 50 banks in India. To use this service, visit the BillDesk portal through American Express' official website. Here's what you have to do next:

  • Enter your 15-digit American Express credit card number.
  • Enter your mobile number and your email address.
  • Enter your transaction amount.
  • Select the bank the amount will get debited from.
  • Select 'Proceed to Pay'.

Once you confirm the payment, you will be directed to a transaction acknowledgement screen. Here, you can check your 'Transaction Status'. If your transaction has failed, you will see 'Failure'. For successful transactions, you will see 'Successful'.

You will also get a transaction reference number, in case you have a query later.

Ways To Pay Your Card Bill Offline

Besides online payment modes, American Express also gives you the option of clearing your dues offline. You can drop cheques or even sign up for the direct debit service.

Direct debit/NACH

If you're worried about missing your due date, you can always sign up for the direct debit or NACH facility. With this service, a certain approved amount will get debited from your account and credited to your card automatically every month. Here's what you have to do:

  • Download the 'Charge Card - Direct Debit enrolment form' or 'Credit Card - Direct Debit enrolment form' from American Express' website.
  • Fill in all the requested details.
  • You can choose for the total amount due or minimum amount due to be debited from your bank account.
  • Attach a copy of a cancelled cheque to the form and mail it to the address mentioned in the form.
  • The amount you've approved will be deducted every month.

Cheque via drop boxes

Address the cheque to your credit card account and drop it in the nearest drop box. You can find various drop box locations by visiting American Express' official website.

Cheque via courier

You will have to draw the cheque in favour of 'AEBC Card No. 37XX XXXXXX XXXXX'. Then, you will have to mail this cheque to American Express Banking Corp. Cyber City, Tower 'C', DLF Building No. 8, Sector 25, DLF City Phase II, Gurgaon-122002, Haryana.

FAQs on American Express Credit Card Bill Payment

  1. If I make a payment through NEFT, will the amount be credited to my card account the next day?
  2. Yes. However, you will have to make the payment before 5:00 pm for the amount to be credited the next day. You should also know that this excludes Sundays and banking holidays.

  3. How long does it take for the payment to get credited to my card account with the online payment mode?
  4. First, you should receive a notification from your bank, stating that the amount has been deducted from your account. If it has, your credit card should be credited within one to two working days.

  5. Can I drop cash in the drop box to pay my American Express credit card bill?
  6. No. You cannot make cash payments through a drop box for your American Express credit card.

  7. Can I make a cheque payment two days before my due date?
  8. No. Ideally, you're required to mail your cheque four days before your due date. This is to ensure the amount is credited to your card account on time. This also helps you avoid any late payment penalties.

  9. I have lost my American Express credit card. What should I do?
  10. You should get in touch with the customer care centre immediately and report the loss of your card. American Express has dedicated helplines for each of their credit cards. Listed below are the numbers you can call, in case you lose your card.

Card name Contact number

Jet Airways American Express Platinum Credit Card

1800 208 1223

0124-2801141

0124-6744141

American Express Platinum Credit Card

1800 419 1030*

1800 180 1030

91-124-280-1030

American Express Gold Credit Card

1800 419 2122*

91-124-2801122

American Express Platinum Travel Credit Card

1800 419 2122

0124-2801122

American Express PAYBACK Credit Card

1800 419 0726

0124 6744144

0124 2801093

American Express Membership Rewards Credit Card

0124-280 1418

1800 419 0167

*These are toll-free numbers that can be accessed from mobile and landline numbers.

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Credit Card Reviews

Page 1 of 14 1 2 3 4 5
  • American Express Credit Card
    "Brilliant card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    The way how they treat their customer is very nice. They give lots of offers on online and the customer relationship is really good. I have been seeing some good rewards points are getting accumulated which i can see directly in the bill as well online banking. I can convert those rewards points for making a bill payment.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 15, 2019
  • American Express
    American Express Credit Card
    "Not satisfied"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 2.0/5 "Expected more"
    I have been recently applied for Amex credit card through on line portal, the card came on time, they have charged me annual fee up to 499 but no waived off option is available i need to pay compulsorily, the credit limit which they have given to me was up to 25,000 which was very less as per my expectation, my expectation was up to 2,50,000-3,00,000.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 11, 2019
  • American Express Credit Card
    "Card accpetance is less"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    Amex Bank was on time to send me the credit card. The credit limit is good and it is not charged for the first year alone. The best is the reward points which is really good, because I not only get points on all transactions but I would also get 1000 extra points if I do four transactions in a month for 1K each. These points can be converted to cash or to pay the bill. The drawback is the card is not accepted everywhere and the placed where it is accepted the swiping machine is not requesting for the PIN number like other cards, instead asking for the signature. Though I am signing the exact way there is a technical glitch.
    Was this review helpful? 0
    , surat
    Reviewed on Jul 11, 2019
  • American Express Credit Card
    "Extremely satisfactory card and we love it"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Amex is too good card to use. Whenever i purchase something, i can pay directly without paying any interest rate for a particular transaction and that particular transaction amount will get reduced from the principle amount that gives me lots of benefits on my utilization. Their benefits are unique compared to other market competitors. The interest rate is less. In Amex, If i want to relocate some other country, i can change the card to that particular country hence the international charges can be avoided. Its like local card to that country. Their customer care service is extremely high and we cannot beat them in market
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jun 29, 2019
  • American Express Credit Card
    "Good card for reward points"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I am holding AMERICAN EXPRESS bank credit card for more than one year. It is a life time free credit card which was offered from bank.The credit limit is much sufficient to use. In this bank they have given a good option as converting reward points to money so with that cash I make a payment for credit card bill.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 18, 2019
  • American Express Credit Card
    "Super card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Amex is a best card to use. If my due date is today, I'm making the payment tomorrow means they will reverse the late fee payment based on the customer's history. Their phone banking is excellent directly the executive will pick the call and i don't need to wait for a long time. I could not able to use the card everywhere. They used to sort out the issue immediately.
    Was this review helpful? 2
    , chennai
    Reviewed on Jun 13, 2019
  • American Express Credit Card
    "Accessibility should be increased"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 3.0/5 "Satisfactory"
    I am not sure about the Amex card, before using HSBC, I was continuing using this card but the lacking area. I could not use the Amex everywhere, some outlet won't accept, the customer service guy from Amex suggested me to pay the amount through paytm, therefore I get the cash back from the wallet and reward points from Amex.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 12, 2019
  • American Express Credit Card
    "Customer care service is excellent "
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    I'm very much happy about their customer care service and its very awesome. I used to get 10% discount on flipkart and pepperfry.com. Their rewards points system is very much good. I can able to to use this rewards points for making the bill payment. If i have cash worth Rs. 1000 also i can able to redeem the rewards points.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 12, 2019
  • American Express Credit Card
    "Need to increase the card accessibility"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I have received Amex card on time which I have applied through online channel. But I could not access this card everywhere, its not a Master or Visa card. The customer support is good. Its been 3 to 4 months, the credit limit was average. I need to pay Rs.500 for annual fee.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 10, 2019
  • American Express Credit Card
    "Excellent card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I hold a members ship rewards credit card from Amex. The monthly rewards points is good and i can convert this points for making my payment and they have given me a huge credit limit. In many of the merchants do not accept the Amex credit cards. Most of the petrol bumps, they won't accept the card and the customer care is very good.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 09, 2019
  • American Express Credit Card
    "Excellent service"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    I have been holding my savings and salary account with Amex credit card from long time, their service is excellent, i applied directly through bank itself, their customer care service is excellent , they show loyalty to their customer , like whenever i face issue they raise an concern and help me out in sorting it out, they have charged me annual fee up to 1500 i use to pay , the credit limit which they have given to me was less up to 24,.000 but was okay for me. So far they have given me fantastic service.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 08, 2019
  • American Express Credit Card
    "BEST CARD"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    They have good service from the customer support and also the card part service is good with the AMERICAN EXPRESS BANKING CORPORATION. There are many offers and rewards points are good. The application is easy and comfortable to do the payment. The credit limit given was good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 08, 2019
  • American Express Credit Card
    "Good card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    The services of AMERICAN EXPRESS BANK is too good. The process of getting the card was easy and the documentation part is also smooth . I do not have to pay annul fee it is life time free card . The credit limit which they offered was good i do not have any issue with that . Overall it is good .
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 04, 2019
  • American Express Credit Card
    "Simply waste card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 1.0/5 "Really Bad"
    I purchased the card from Amex but the card is not accepted in most of the places. For the first year, the annual fee is Rs. 500 and if i use the card for Rs. 10000, they will waive off the annual fee. I have got the bill and i need to pay on this June 8th. Most of the places, POS machines is not supported because of this issue, i am planning to close the card.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 03, 2019
  • American Express Credit Card
    " They should target the small merchent to enhance the access"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    The card acceptability is less in Amex, it might be the machine issue, where HDFC and other bank can use it one machine. But for Amex they need separate machine that is the feedback I heard from local merchant.. We can do the online payment but all the places can't use our mobile. However Amex do have very good offers when we come to the reward points. I am a first user who got Amex, it give flexibility to pay my bills through reward points. They have significant feature but the card approach should be friendly.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 03, 2019
  • American Express Credit Card
    "Need to increase the limit"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    I have chosen American Express credit card because of the offers. I am using the credit card for 1.5 months and the annual charges are applicable. I need to pay 1500 rupees and the credit limit is not satisfactory because its lesser than my salary profile. I got reward points and also some discounts.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 03, 2019
  • American Express Credit Card
    "Need to increase the limit"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 3.0/5 "Satisfactory"
    Amex has issued me a Traveling credit card with the limit of 25K but they have promised me above 1L, this is very low and am not satisfied. Already am having Amex Platinum card with high limit. The customer service is good. I need to pay annual fee of Rs.499 plus GST. It has airport lounge benefit.
    Was this review helpful? 0
    , mumbai
    Reviewed on May 29, 2019
  • American Express Credit Card
    "Good Card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 3.0/5 "Satisfactory"
    I am no using the Amex card much. This credit card has rewards points system is not much good according to my experience. Almost 7 years I'm using this card. Its easy to make the payment through online. I have amex mobile app which is convenient to use.
    Was this review helpful? 0
    , coimbatore
    Reviewed on May 26, 2019
  • American Express Credit Card
    "Excellent"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    I am using Amex card and got a credit limit of 25,000 rupees. I have been using the card for last 6 months. It is a life time fee credit card. There is no reason for taking the card. Its been good for multi purpose. The benefits are good and the payment mode is online. The customer service is very good.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 24, 2019
  • American Express Credit Card
    "GOOD"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I am using the card with the AMERICAN EXPRESS BANKING CORPORATION since from last 2016 earlier it was a chargeable and i now it was a life time free card. There are offers of airport lounge facility for domestic purpose for 3 times. The credit limit is good, there are no payment issues through the applcaition.
    Was this review helpful? 0
    , faridabad
    Reviewed on May 20, 2019
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