Paying an American Express credit card bill is no longer a hassle with a variety of online and offline solutions offered by American Express. Card holders can choose any method of payment that is suited for them and then pay their outstanding bills before the due date. The online payment modes available to American Express customers are Online Funds Transfer - National Electronic Funds Transfer (NEFT), Online Payments and Electronic Clearing Service (ECS) / Direct Debits. American Express credit card users can also use the following offline payment options - Cheques or Drafts through Courier or Post and at drop boxes.
American Express card holders can easily find the nearest drop box located in their area and deposit a cheque or a draft to pay their outstanding credit card bills.
Customers can also send cheques or drafts drawn in favour of ‘AEBC Card No. 37XX XXXXXX XXXXX’ to an American Express branch. The bank has to receive the cheque or draft four business days before the due date. This should be done to avoid late payment charges. If the draft or cheque is sent through a courier then it must reach the American Express Banking Corp office in Gurgaon. If the draft or cheque is sent through post then it must reach the American Express Banking Corp office in New Delhi.
American Express offers the “Go Paperless” service for credit card customers to receive e-statements on a monthly basis. This service includes regular monthly reminders when statements are generated and card holders can easily access their last six months’ statements from anywhere across the globe. American Express credit card holders can also place requests to receive statements from October 2008, if required. American Express also ensures that all the credit card related details are kept safe and secure using the online account. Credit card users have to first register for the Go Paperless service in order to enjoy 24/7 access.
The details that have to be entered are - American Express card number, payment amount and the bank account.
No, cash payments are not permitted at drop box locations by American Express.
The cities where the Electronic Clearing Service is available are New Delhi, Bangalore, Mumbai, Kolkata and Chennai.
Yes, American Express credit card bills can be paid from anywhere in the world using online banking.
Yes, the amount that is being paid through direct debits should be the minimum amount due or the Total Amount Due and lesser, as given in the statement.