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    American Express Credit Cards

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    American Express Credit Cards Reviews

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    Credit Card BYTES FROM OUR KITCHEN
    • Tanishq voucher worth Rs 2,000 by submitting all your documents online for Amex Gold & Travel Platinum
    • 1st Year Fee Back on Amercian Expess Gold Card Approval
    • Amex Platinum - 1st Year Free

    Get The Best Credit Cards From American Express Bank Through BankBazaar

    American Express Credit Cards Overview:

    The American Express Company is an American financial and banking services corporation headquartered in New York. Fondly called as Amex, the company is best known for its credit card, change card and travellers cheque businesses. Currently, Amex cards constitute 24% of the total value of credit card transactions in America. American Express is the 4th largest card issuer in the world with over 109 million cards on its network.

    The American Express Credit Cards are carefully designed to offer the customers, a range of shopping, lifestyle, travel and dining privileges.

    Why Choose American Express Credit Cards?

    American Express credit cards are carefully designed to offer maximum benefits to the cardholders. With features like Payback points, special travel and lifestyle deals and flexibility to redeem your reward points across 600 options, American Express Credit Cards will be a delight to every cardholder’s wallet.

    Features and Benefits of American Express Credit Card:

    American Express credit cardholders get to enjoy the benefits of one of the most powerful rewards program where Membership Rewards Points are awarded every time they spend. Also, with the “Pay-In-Parts” privilege program, you can convert your payments to easy instalment plans. Amex cards also come with 24/7 platinum assist feature and zero lost card liability that will give the cardholder a complete peace of mind. Other unique benefits include platinum concierge, payback points, membership rewards and online services.

    Why apply for American Express Credit Cards through BankBazaar?

    • Compare Various Cards

      At BankBazaar, you will be able to easily find the needle in the haystack by the compare credit cards option. You can compare features, fees and eligibility to shortlist the perfect card for you.

    • Hassle free Process

      You can apply for a credit card almost instantly from the comfort of your home. Also, you don’t have to submit any documents immediately after application thus saving a lot of your precious time and energy.

    • Explore all the features

      With BankBazaar, you will able to explore in depth, all the features about a credit card which will help you make informed decisions.

    How to Apply for American Express Credit Cards through BankBazaar?

    On BankBazaar’s homepage, navigate to the Credit Cards section by selecting it from the top bar. You can see all the credit cards grouped “By Bank” or “By Category”. You have the option to explore all the credit cards and also compare various cards. Select American Express under the bank category and check your eligibility. After shortlisting, you can instantly apply for an American Express credit card by clicking on “Apply”.

    American Express Credit Card Eligibility and Documentation:

    American Express Credit Cards Eligibility Criteria:

    In order to apply for an American Express Credit Card, the applicant must satisfy the following criteria.

    • The applicant must be aged above 18 years.
    • The applicant must have a good credit history.
    • He should not have had any payment defaults.
    • Self-employed applicants must have been trading for at least 18 months or 12 months if he is an existing American Express credit cardholder.

    Depending on the type of card, the income requirement varies. Make sure you enquire with American Express before proceeding with the application process.

    American Express Credit Card Documentation Requirements:

    The following documents will be asked for during the application process.

    • Self-attested passport sized photographs
    • Latest salary slips, Income Tax Returns and Form 16
    • A valid residence proof document like ration card or electricity bill
    • An identity proof like voter’s ID or driving license.

    American Express Credit Cards – Features and Benefits:

    1. The American Express Gold Card

      With the built-in intelligence feature that comes with the Amex Gold Card, get total control over your spending limit along with other special gold privileges.

      • Get Welcome Gift* of 4000 MR points as bonus.
      • Earn 1 Membership Rewards point for every Rs.50 spent using the card except for spends at fuel, utilities, cash and insurance transactions.
      • The membership points that are accumulated on the card are worth their weight in gold.
      • Cardholders get to choose exciting rewards like 24 carat gold collection, Tissot watch and BOSE music system for the reward points.
      • Also, enjoy 20% off on select restaurants, MakeMyTrip privileges and other exclusive deals and offers.
      • The Gold Services that come with the card include 24/7 card assistance, dispute resolution, emergency card replacement and zero lost card liability.
    2. The American Express Platinum Reserve Credit Card

      The Amex Platinum Reserve card will open a new world of travelling, lodging, fine dining and more at every step of your journey.

      • Cardholders get a Welcome Gift of 11,000 Bonus Membership Reward points and a cashback of up to Rs.10000 at MakeMyTrip.
      • Get special healthcare and wellness privileges from Max Healthcare, Fortis Healthcare and Texas Medical Concierge. For lodging, customers get elite benefits at Taj hotels, resorts and Trident Hotels.
      • Savour fine dining experiences at partner hotels, with Taj Epicure Plus memberships. American Express Selects Dining programme will delight you with deals from premier restaurant chains around the globe.
      • Amex Platinum Reserve customers also get special complimentary access to leading golf courses in India and also a priority pass to American Express proprietary lounges.
      • Other Platinum features include dedicated concierge assistance, cashback offers, elite tier memberships and card related services.
    3. Jet Airways American Express Platinum Card

      Start making every journey more rewarding with JP Miles and other travel privileges that comes with this co-branded card.

      • Cardholders earn 8 JPMiles for every Rs.150 spent using the card except for fuel, insurance, utilities and cash transactions.
      • As a welcome gift, cardholders get 10,000 bonus JPMiles and a one-way complimentary Jet Airways base fare waiver on the first domestic ticket purchased with the card.
      • Enjoy other exclusive travel and stay privileges like complimentary iPrefer Gold Tier membership and a complimentary night stay at select Oberoi Hotels and resorts.
      • Also, get other Platinum benefits like dedicated concierge services, zero lost card liability and supplementary card offers.
    4. The American Express Platinum Travel Credit Card

      Specially designed for the frequent traveller this card comes with top-class travel benefits and privileges which will make every journey more rewarding.

      • Earn 1 membership reward point for every Rs.50 spent using the card except for fuel, utilities and cash transactions.
      • With the “Pay-In-Parts” privilege, customers can convert all their purchases to easy instalment schemes at low interest rates.
      • Save more on travel with the IndiGo vouchers worth Rs.11800 and benefits from MakeMyTrip.
      • Also, with the Milestone bonus that you get with the card, you can claim attractive travel deals and stays at premier hotels.
      • Other stellar benefits that come with the card include priority pass memberships, Taj Resorts vouchers and dedicated concierge assistance.
    5. The NEW American Express MakeMyTrip Credit Card

      This card offers you an array of multiple reward programmes and exclusive privileges along with other services.

      • Cardholders earn 2 payback points for every Rs.100 spent and up to 5 payback points for every Rs.100 spent on MakeMytrip. Payback points are also awarded when you make purchases with any of the payback partners.
      • On spending Rs. 1.25 lakhs per annum, get a MakeMyTrip voucher with Rs.2000 and vouchers worth Rs.5000 on spending Rs. 2.5 lakhs.
      • With the American Express ezeClick service, you can shop faster with just one unique ID at over 6500 online shopping sites.
      • Pay-in-parts privilege, supplementary card benefits and dining deals across the globe are the other benefits that come with Amex MakeMyTrip cards.

    FAQs for American Express Credit Cards

    Frequently asked questions about American Express credit cards:

    1. What are the different credit cards on offer from American Express in India?
      • The American Express Platinum Reserve Credit Card
      • The Jet Airways American Express Platinum Credit Card
      • The American Express Platinum Travel Credit Card
      • The NEW American Express MakeMyTrip Credit Card
    2. Can I apply for any of these cards online?

      Yes. You can apply for any of these cards on the American Express (India) website as well as on Bankbazaar.com.

    3. What are the basic features of the various credit cards on offer?
      • Guaranteed online fraud protection.
      • Complete suite of online services.
      • Zero lost card liability.
      • Emergency Card Replacement
    4. What is the eligibility criteria to apply for an American Express credit card?
      • The applicant must be an Indian citizen.
      • Must be of a legal age.
      • Must have a credit history, pertaining to prior ownership of a credit card or clean records of loan repayments.
      • The applicant must not have filed for bankruptcy in the preceding 7 years.
      • If Self-Employed, the applicant must be in business for at least 12-18 months (if already owning an American Express Card).
    5. What is an American Express Add-On or Supplementary credit card?

      A full-fledged credit card that is provided to the dependent of the credit card holder, including spouse, parents or children is called an add-on/supplementary credit card.

    6. What is an APR?

      The Annual Percentage Rate (APR) is calculated as a yearly interest rate that is appended to your outstanding credit card balance each month. The APR applies differently to different uses of the credit card; purchases command a different interest rate as compared to say, balance transfers.

    7. What’s the annual fees for the American Express Platinum Reserve credit card?

      First year Fee: Rs.5,000 plus applicable taxes. Second year onwards: Rs.10,000 plus applicable taxes.

    8. What benefits accompany an American Express Platinum Reserve credit card?

      Broadly speaking, enjoy privileges and benefits pertaining to travel, lounge access, concierge services, fine dining, health and wellness services, access to golf courses and membership to elite clubs.

    9. What basic documents are required when applying for the American Express credit card?
      • Recent passport sized photographs (self-attested)
      • Valid photo identity document
      • Valid residence proof document
      • Latest salary slips/ income tax returns/ Form 16 (self-attested)
    10. What air-miles can I earn with Jet Airways American Express Platinum Credit Card?

      For every 100 rupees spent booking tickets on Jet Airways’ official website, earn 12 JP-Miles.

    11. How can the NEW American Express MakeMyTrip Credit Card help in my travels?
      • Cashback- 5% on every MakeMyTrip booking.
      • Rewards- Voucher worth Rs.2,000 for every Rs.1.25 lakh spent and voucher worth Rs.5,000 for spending Rs.2.5 lakh every year.
    12. Is the option to convert purchases into EMI available with American Express credit cards?

      Yes. Any transaction above Rs.5,000 can be converted into EMIs. Nominal interest rate of 1.49% per month and flexible EMI tenures of 6 or 12 months will apply.

    13. Which American Express Credit Cards offer the EMI option on purchases?

      All credit cards currently presented by American Express offer this option.

    14. I ‘am an avid shopper. What American Express Credit Cards are best suited for me?

      To access shopping rewards, choose either the NEW American Express MakeMyTrip Credit Card.

    15. As a constant traveller, what cards will help me in my travels?
      • The American Express Platinum Reserve Credit Card
      • The Jet Airways American Express Platinum Credit Card
      • The American Express Platinum Travel Credit Card
      • The NEW American Express MakeMyTrip Credit Card
    16. Why must I choose an American Express Credit Card with reward benefits?
      • Avail bonuses at signup to get started.
      • Win reward points on almost all purchases.
      • Competent 24x7 customer support.
      • Robust fraud and purchase security.

      The NEW American Express MakeMyTrip Credit Card offer Shopping Rewards while the American Express Platinum Reserve Credit Card & the American Express Platinum Travel Credit Card come with Membership Rewards Program.

    News About American Express Credit Card

    • Amex Cards to See Increased Acceptance via SBI

      The State Bank of India (SBI) and American Express recently came to a consensus that will see the acceptance of American Express (Amex) cards increase all across India. The agreement between both parties will encapsulate both online and offline modes as per a statement released by SBI. In order to make American Express cards acceptable for online payments to SBI merchants all over India, the Online Payment Partnership (ePay) agreement will come into play to ensure its smooth implementation. Manju Agarwal, DMD - CS & NB, SBI, stated that the strategic alliance with American Express will help SBI stretch its scope to its merchants across the country via a cost effective solution that will not only ensure convenient one point contacts for all card networks, but will also ensure competitive pricing, quicker fund availability, consolidated statements and much more. American Express also stated that the agreement with SBI would help them increase its credit card business with merchants in establishments such as retail, grocery, fuel stations, restaurants, as well as online merchants.

      27th June 2016

    • Summer Travel Offers Announced by American Express

      Travelers rejoice! Special offers have been introduced by American Express all over India and they have clubbed several privileges and deals with it. Travellers can check for offers from hotels, car rentals, travel portals, shopping and dining on the ‘takeoffwithamex’ portal, avail 20 per cent cash back on international and domestic travel offered by MakeMyTrip.com, and a string of similar benefits. The AmEx credit card members can enjoy lucrative privileges like complimentary stay, spa etc. at Oberoi Hotels & Resorts and earn hotel credits up to 50 USD per night at Le Meridien, Sheraton etc. Customers can also earn bonus reward points at Paul Resorts Bangalore and Kumarakom, and other local partners.

      5th May 2015

    • American Express card members in India can now “Pay with points”

      Shopaholics across India will rejoice with the introduction of American Express’s new initiative “Pay with points” to enhance their shopping and dining experiences. With this attractive scheme from American Express, card holders can pay for their purchases by redeeming their accrued membership reward points at the point of sale in over 750 retail and dining outlets in India. Offering an easy and flexible way to redeem their accumulated points, American Express has partnered with top brands comprising of Apple Premium resellers, Bose, Reliance Digital, Croma, Armani, Shopper’s Stop, Marks & Spencers and several other dining outlets.

      Card members can pay for their purchases in full or in part using their membership reward points. With an overwhelming response from the Indian market, American Express intends to improve the rewards redemption experience for its customers by allowing them to redeem their points at a very critical point - when the sale is actually done.

      23rd March 2015

    • American Express to Issue Co-Branded Cards with Charles Schwab

      Shopaholics across India will rejoice with the introduction of American Express’s new initiative “Pay with points” to enhance their shopping and dining experiences. With this attractive scheme from American Express, card holders can pay for their purchases by redeeming their accrued membership reward points at the point of sale in over 750 retail and dining outlets in India. Offering an easy and flexible way to redeem their accumulated points, American Express has partnered with top brands comprising of Apple Premium resellers, Bose, Reliance Digital, Croma, Armani, Shopper’s Stop, Marks & Spencers and several other dining outlets.

      Card members can pay for their purchases in full or in part using their membership reward points. With an overwhelming response from the Indian market, American Express intends to improve the rewards redemption experience for its customers by allowing them to redeem their points at a very critical point - when the sale is actually done.

      20th March 2015

    • American Express to Increase Interest Rates for over 1 million Credit Card Holders

      For the first time in over five years, American Express has told its customers that their interest rates will rise. The company has sent letters to over 1 million cardholders explaining that their annual rates will increase by an average of 2.5 percentage points to a minimum of 12.99 percent. The company has said that its rates were below those of competitor cards held by borrowers with similar credit profiles and hence, the increase in interest rates. This hike is expected to affect a number of variable-rate products including some of the other American Express co-branded credit cards.

      27th February 2015

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