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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 15 1 2 3 4 5
  • American Express Credit Card
    "Good Card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    The call gets connected very fast in Amex customer care. I get some cashback and reward points on Amex Platinum rewards card. If i refer this card to anyone then they would provide me cashback. They have provided the limit of Rs. 1.63 lakhs and i need to pay the annual fee of Rs. 500 but it get waived off if my annual purchase exceed more than Rs. 40000. The main drawback is Amex card is not accessible in all the outlets.
    Was this review helpful? 1
    , kolkata
    Reviewed on Dec 27, 2019
  • American Express
    American Express Credit Card
    "Good customer care"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    In Amex, customer care people are very polite and friendly. They will give a proper information. The executives are very educative and they will speak very fluent English. They are sending gentle regarding the payment. I have been using the credit card for past 1 year. They don't harass the customer. I am getting normal benefits like rewards points.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Dec 19, 2019
  • American Express Credit Card
    "Satisfactory"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I have American Express Banking corporation credit card which was taken directly .I was using this credit card more than 2 years ,This was a chargeable card need to pay Rs.7000 per annum and will be received Rs.7000 cash voucher on yearly basis .I am comfortable with the service .Since charges are more now not using this credit card.
    Was this review helpful? 0
    , jaipur
    Reviewed on Dec 12, 2019
  • American Express Credit Card
    "Need to increase the credit limit"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I am using American Express smart credit card. This card has some yearly charges of Rs. 500 and if i spend Rs. 40,000 within 90 days i need not to pay annual charges that will be waived off. Credit limit is not up to the mark and also i applied this card through directly. Customer service was good and they called me couple of time.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 25, 2019
  • American Express Credit Card
    "Best customer service "
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.5/5 "Excellent!"
    The customer service is very best in class. I get more cash back in Traveling and Online shopping, mostly Amex card is not accepted in small merchants. Joining fee is refunded as flight voucher, annual fee would be waived off If i spend 2 lakhs. Rewards points are good, EMI conversion can be done in 0 interest for 6months in offer period, late payment charges are very high , if any fraud transaction occur with in 7 days I have to respond, they will ask some required documents and have a regular follow up.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Nov 09, 2019
  • American Express Credit Card
    "Good Service"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I am using American Express Banking Corporation credit card which is very good to access.This was a chargeable card and now a days this card is doing a vital role .Now a days everyone are depending on credit card for each and every purchase it is highly beneficial. I can purchase and pay later.
    Was this review helpful? 1
    , new delhi
    Reviewed on Nov 01, 2019
  • American Express Credit Card
    "Excellent Card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Amex card gives me a free travel voucher and Taj holiday voucher and certain spends on the shopping apart from that whatever the points gets accumulated based on my purchase. I use the Amex card for past 4 years. Their interest rates are very high and annual fee get waived off based on certain achievement other wise i need to pay the yearly charges of Rs. 5000.
    Was this review helpful? 2
    , chennai
    Reviewed on Oct 05, 2019
  • American Express Credit Card
    "Excellent card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Easily approachable and its easy to contact every time. All our transaction is getting updated immediately. We can do the payment right away by using the app. American express app is very friendly. I have been using the Amex card since last 2 years.
    Was this review helpful? 2
    , chennai
    Reviewed on Oct 03, 2019
  • American Express Credit Card
    "Interest rates are high"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 3.0/5 "Satisfactory"
    American express credit card is a famous card to use. They have given me a credit limit of Rs. 10 lakhs but the payment duration is less compared to others. In 2008, i was holding the card since the card is not acceptable in most of the place, i could not use the shopping purpose. Every people cannot get the Amex card and they have a some strict rules and regulation to provide the card.
    Was this review helpful? 1
    , nellore
    Reviewed on Sep 12, 2019
  • American Express Credit Card
    "Easy money card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.5/5 "Excellent!"
    I am a Amex employee hence i get a different benefits like i don't pay the annual charges. I have been using the card from last 1.5 years. Whenever I'm doing a transaction with the Amex partner, i can able to redeem the rewards points and the customer care service is fine because they are very helpful and excellent team.
    Was this review helpful? 3
    , gurgaon
    Reviewed on Sep 08, 2019
  • American Express Credit Card
    "Excellent customer service"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 2.0/5 "Expected more"
    I have started with Amex Gold card and its been 5 years. This has annual fee but it will be waived off according to my request. Whenever I make the payment, its not getting reflected immediately. But one thing which I like it here is I use iphone and faced a problem, they have done a concall and help me to solve my problems which was really wow service which I never expected from them. Their representative were very helpful and understanding the customer very accurately.
    Was this review helpful? 2
    , mumbai
    Reviewed on Sep 01, 2019
  • American Express Credit Card
    "Amex is very good card to use"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    I have been using the card for last 3.5 years. This is a Gold credit card. In this card, there is no specified limit on this card and i can use it any more. Their rewards points and offers are very good compared to all other cards. I need to pay the annual fee of Rs. 4500+GST charges sometimes they will get waived off based on my usage.
    Was this review helpful? 1
    , mumbai
    Reviewed on Aug 25, 2019
  • American Express Credit Card
    "Good Own brand card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 4.0/5 "Great!"
    I'm u using the American Express credit card since 2009. Only thing, they won't increase the limit and if i give a request, its a long process. Its a good brand and it have their own benefits. I have a payback card from amex and the acceptance of the card is very less due to the rate of interest. The payment also very hassle hence its very difficult to find the cheque drop box.
    Was this review helpful? 2
    , bangalore
    Reviewed on Aug 18, 2019
  • American Express Credit Card
    "Best in the luxury segment."
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Amex people are very much helpful in every stand. If I'm paying the payment in prompt but suddenly in it get delayed for 1 or 2 days, they won't charge for any late fee and they will keep you inform about the offers. They will share the updates to the customer at a regular intervals.
    Was this review helpful? 1
    , pune
    Reviewed on Aug 16, 2019
  • American Express Credit Card
    "Excellent services"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    I have a gold card from Amex and their rewards points is awesome. If i spent Rs. 100 i get a 2 rewards points. Their customer care service is excellent. I can access the amex card in most of the places. The card has a annual fee and there is a cap of usage if i reach the same, i do not need to pay my annual fee.
    Was this review helpful? 2
    , bangalore
    Reviewed on Aug 09, 2019
  • American Express Credit Card
    "Recommendable Card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Amex is very good as per my experience but meanwhile they are charging 15.25% interest for per annum. Best thing about this card they give loans based on the transactions, they are providing reward points and discounts on the purchase. Amex response is very good, I used to pay Rs. 2 lakhs of premium to ICICI lombard from this card.
    Was this review helpful? 1
    , visakhapatnam
    Reviewed on Aug 08, 2019
  • American Express Credit Card
    "Should tie up more outlets"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 3.0/5 "Satisfactory"
    I could not use this Amex card always because it was not acceptable in all the places, hence I carry other card. They should tie up with lots of outlets, merchandise, the credit limit is good, I make the payment before the due date. The customer support is very good and professional for any queries.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Aug 08, 2019
  • American Express Credit Card
    "Best card"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    I am doing the payments time to time and the bank is doing basic verification for providing a credit card. I am using Amex card for last 3 months. It is accessible only maximum in metro cities and even most of the shops are not accepting. The annual fee is applicable and need to pay of Rs.499. The services are absolutely excellent.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 30, 2019
  • American Express Credit Card
    "Unhappy with the service"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 2.0/5 "Expected more"
    I bank with Amex Bank for the credit card and I am not too happy with the experience. Even if there is a day delay in payment, they charge a fee of 3.5%. What ever the miles I have earned, should come in form of a travel voucher which was not delivered to me. It has been a year and they now say that the voucher is not valid without even giving me the same. I have cancelled the card.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 29, 2019
  • American Express Credit Card
    "Great customer care support"
    AMERICAN EXPRESS BANKING CORPORATION
    0.5 5.0/5 "Blown Away!"
    Amex is a very good card to use. They are very pro-acitve and very helpful and i have been using the card for last 5 years and there are simple issues i have faced and it sorted out on time. By mistake, if i missed to make the payment and calling the customer care giving the genuine reason, they will waive off the late fee. Primarily customer care service is tremendous.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Jul 26, 2019
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