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  • American Express Credit Cards is Rated as "Excellent!" by 1295 Users

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    American Express Credit Cards

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    American Express Credit Card

    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 traveller’s 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.

    Listed below are some of the credit cards offered by American Express and their fee structure, and their key features:

    Name of the card Joining Fee (In Rs) Annual Fee (In Rs)
    The American Express Platinum
    Travel Credit Card
    Rs.3,500 plus GST First Year: Rs.3,500 plus GST
    Second year onwards: Rs.5,000 plus GST
    The Jet Airways American Express
    Platinum Credit Card
    Rs.5,000 plus GST First year: Rs.5,000 plus GST
    Second years onwards: Rs.10,000 plus GST
    The American Express Membership
    Rewards Credit Card
    NIL First year: NIL
    Second year onwards: Rs.4,500
    The American Express Platinum
    Reserve Credit Card
    Rs.5,000 First year: Rs.5,000 plus GST
    Second year onwards: Rs.10,000 plus GST
    The American Express Gold Card Rs.1,000 First year: Rs.1,000 plus GST
    Second year onwards: Rs.4,500 plus GST

    Apply for American Express Credit Cards

    Since their inception in 1958, credit cards have been instrumental in bringing a sea change in the spending habits of consumers across the world. With time, their popularity has increased manifold. It is mainly because of the convenience that it provides. While paying for a good or service one doesn't need to go looking for an ATM if they have a credit card. One swipe and the payment will be done!

    It is not only convenience that credit cards offer to the cardholders. They also come with a lot of good features and benefits. Cardholders can earn reward points, AirMiles, and cashback offers on using them. Once accumulated, these reward points can be redeemed to get exciting gifts from the bank’s catalogue. On the other hand, cardholders can gather AirMiles and use them to get discount on air tickets. Or, they can also redeem AirMiles to get gifts from the aircraft’s catalogue. Cardholders are sent monthly statements to help them keep a track of their expenses made on the credit card. Most credit cards offer purchase protection that helps you to exchange damaged items with ease. If used mindfully, credit cards can help the cardholder get a good credit score which is very important when it comes to loan applications.

    One of the most reputed banks in India, the American Express also offers a variety of credit cards. These credit cards come with lots of features and benefits for the cardholders. Individuals can apply for an American Express credit card through a number of methods.

    Apply for American Express Credit Cards Online

    Applicants can apply for an American Express credit card by visiting the official website, www.americanexpress.com or through financial websites such as Bankbazaar.com.

    Through American Express Website

    Applicants can visit the official website of American Express credit cards, www.americanexpress.com, and go to ‘Our Cards.’ Under this tab, they can find the option, ‘Credit Cards’ listed among other services. Once they click on 'Credit Cards', they will be led to a list of all the credit cards offered by American Express. Before settling for a particular card, applicants can make a comparison between all the cards to find what suits them the most. Once they select the card of their choice, they can click on it to read about their features and benefits in detail. Next step is to click on the 'Apply Now' tab to apply directly for the selected American Express credit card. The applicant will led to an application form on which they have to provide the following details:

    • First Name
    • Last Name
    • Email id
    • Mobile Number
    • Date of Birth
    • Gender
    • Annual Net Income
    • Residential Address Details
    • Employer Details
    • Education Level
    • Aadhaar Card Number
    • Nationality

    Once the details are furnished, the bank will check whether the candidate is eligible to avail the credit card that they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card.

    Applicants can also apply for a credit card by sending an email to American Express bank directly.

    Apply Through BankBazaar.com

    Applicants can also apply for an American Express credit card through financial websites such as BankBazaar.com. Once the customer visits the BankBazaar website, they will have to choose the ‘Credit Cards’ option that will be on the top of the page. Once they click on that, they will be directed to a list of credit cards available in India. Applicants can filter the list on the basis of the name of the bank and other criterion like minimum annual income requirement. They will need to select ‘American Express’ from the list and then they will have to click on the particular credit card that they want to avail. They can click on the link that says ‘Check Eligibility’ to find out whether or not they are eligible for the card they have chosen. The applicant will have to answer the questions on the screen and only if the fulfill all the criteria, they will be directed to the ‘Instant Apply’ tab. Once they reach the ‘Instant Apply’ tab, they can fill up the form and submit it on the website.

    Apply for American Express Credit card Offline

    Applicants can directly apply for an American Express credit card. To be able to do that, all they have to do is visit the nearest American Express branch. They will be asked to fill in an application form once they fulfill the set eligibility criteria. They will have to submit the form along with necessary documents like id proof, address proof, and income proof. The bank representative will go through the filled in details and the attached document to decide whether or not the applicant meets the eligibility criteria for the credit card that they have applied for. Once the check is done, the applicant will be able to avail the credit card.

    Apart from this, the applicant can also contact the bank by calling the customer care service at 1800 419 1414 or 0124 280 1414. This service is available 24*7 on all days of the week.

    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.

    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’ companies 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:

    You might be asked to submit the following documents 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

    1. The American Express Membership Rewards Credit Card
    2. The American Express Platinum Reserve Credit Card
    3. Jet Airways American Express Platinum Credit Card
    4. The American Express Platinum Travel Credit Card
    5. The American Express PAYBACK Credit Card

    The American Express Membership Rewards Credit Card

    Customers can enter a world that is full of choices and rewards through the American Express Membership Rewards credit card.

    Features and Benefits of the American Membership Rewards Credit Card:

    • Customers can avail 4,000 Bonus Membership Rewards Points that can be awarded on using the card three times within the first 60 days of the membership.
    • Customers can also procure 1,000 Bonus Membership Rewards Points if they use the card 4 times on all transactions of Rs.1,000 and over every month.
    • Earn 5,000 Membership Rewards Points upon the first year credit card Renewal upon payment of annual membership fee.
    • Customers can redeem from fantastic 18 carat and 24 carat gold collection.

    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.

    Features and Benefits of the American Express Platinum Reserve Credit Card

    • 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 Palaces Resorts Safaris.
    • 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.

    Jet Airways American Express Platinum Credit Card

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

    Features and Benefits of Jet Airways American Express Platinum Card

    • Cardholders earn 8 JPMiles for every Rs.150 spent using the card except for insurance, utilities and cash transactions.
    • Customers can avail complimentary visits to 13 Domestic Airport Lounges at 11 cities in the country.
    • 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 Elite 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.

    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.

    Features and Benefits of The American Express Platinum Travel Credit Card

    • Earn 1 membership reward point for every Rs.50 spent using the card except for 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 Travel vouchers worth Rs.11,800 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.

    The American Express PAYBACK Credit Card

    Customers can enjoy life to the fullest while availing some of the best benefits and features provided by a credit card through the PAYBACK card by American Express.

    Features and Benefits of The American Express PAYBACK Credit Card

    • Customers can earn multiple points from over 40 PAYBACK partner merchants and 3 PAYBACK Points from American Express PAYBACK credit card each time they spend Rs.100, except for spend at Fuel, Utilities, Insurance and Cash Transactions.
    • Cardholders can enjoy 900 Bonus PAYBACK Points when they spend Rs.15,000 within a period of 60 days of card approval.
    • Additionally exciting discounts on online shopping, travel and dining and can also be availed.

    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 American Express Membership Rewards Credit Card
      • The American Express PAYBACK Credit Card
    2. Can I apply for any of these cards online?
    3. Yes. You can apply for any of these cards on the American Express (India) website as well as on Bankbazaar.com.

    4. 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
    5. 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).
    6. What is an American Express Add-On or Supplementary credit card?
    7. 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.

    8. What is an APR?
    9. 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.

    10. What’s the annual fees for the American Express Platinum Reserve credit card?
    11. First year Fee: Rs.5,000 plus applicable taxes. Second year onwards: Rs.10,000 plus applicable taxes.

    12. What benefits accompany an American Express Platinum Reserve credit card?
    13. 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.

    14. 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)
    15. How many AirMiles can I earn with Jet Airways American Express Platinum Credit Card?
    16. For every 150 rupees spent booking tickets on Jet Airways’ official website, earn 8 JPMiles.

    17. Is the option to convert purchases into EMI available with American Express credit cards?
    18. Yes. Any transaction above Rs.5,000 can be converted into EMIs. Nominal interest rate flexible EMI tenures of 6 or 12 months will apply.

    19. Which American Express Credit Cards offer the EMI option on purchases?
    20. All credit cards currently presented by American Express offer this option.

    21. 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
    22. 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 American Express Platinum Reserve Credit Card & the American Express Platinum Travel Credit Card come with Membership Rewards Program.

    Top Credit Cards by American Express:

    American Express Credit Cards Reviews

    • American Express Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The American express credit card service was good , and I have got the American express platinum travel credit with in 6weeks time, they took higher than normal time. The customer support service and the response was good with the American express. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2018
    • American Express Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Amex Gold Credit card for a while. Amex cards are not accepted everywhere which is the only drawback with the card. For International usage Amex is the best, there is no limit. I am happy about their services and never faced any issues with their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the THE AMERICAN EXPRESS® MEMBERSHIP REWARDS CREDIT CARDbecause they got best rewards and Cash back offers. The limit is very low than I expected, which might be increased based upon my usage. As of now I never faced any difficulty with their services.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
    • American Express Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having the American express platinum credit card for more than a year. The customer support service and the response is good from the American express . The credit limit value is good here and I am satisfied with the credit card service from Amex.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 21, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have selected this card since the card was offering good offers in rewards. There has been bonus points in the transactions, even we are able to earn back 15-20% of our money. There has been no joining fee but the annual fee has been a little high. Other than that all the features has been great with it. The customer service of them had been outstanding and the card has reached on time and the process has been easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 21, 2018
    • American Express Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a credit card from American Express, they have offered me a good credit limit on the card, and you get good reward point on expenditure, and if you make a certain expenditure on the card the annual fees also gets waived off, so in a way the card is quite adjustable. I have no issues with the card and it is going quite good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 21, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the last six months, it has been good with all the service which they have been providing so far. the card has some good offers and benefits. Especially the reward points with the card has been good. I have been using the card for normal purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • American Express Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was taken with AMERICAN EXPRESS BANK. The credit limit was satisfactory and i hold membership reward card . The customer service and responses was really good. There is no annul fee and i am getting reward points as benefits.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 20, 2018
    • American Express Credit Card
      "Everything is Good"
      0.5 4.5/5 "Excellent!"
      I have selected this American Express card for Travel purpose. Other company people are not charging anything. But in this card Rs. 4500 as annual charges. I have been using this card for just a month. I have not used it much. Once i used a card, i could say more about it.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 19, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      I had chosen this card since because of the benefits it had, the reward system with the card has been good. The credit limit which they have provided with the card had been good. The customer care of them is quite helpful and friendly and they have been doing a good job. There is no annul fee has been not there for the first year but there will be charges from the second year of 4500 plus taxes and even it will be waved off once we are using the card to an extend.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Amex Platinum credit card for the past 5 Months. The limit is okay and their services are good. I never had any issues with the card and their services. The card is useful for all your daily life purchases.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 18, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      They had been providing a very good service, and their services has been applicable in most of the purposes. They had been providing airport launch facilities and they had also giving on Jet Airways. There has been good reward points with this card. I had never faced any kind of issues so far till date.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      This is one of the best card i am holding, they have been providing a very good service so far. the customer support has been at its best and had been very much responsive. The credit limit which they have been provided with the card has been good and the benefits of the card also had been the best.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The American express platinum credit card has been used by me for more than 3 years. The credit card service is very good from the American express. The credit limit value is good with this American express platinum credit card and I am satisfied with it. The benefits and the offers are good with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • American Express Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The credit limit value is very good with the American express gold credit card and I use this card for more than a year. The customer support service and the response is good from the American express. The benefits and the offers are limited but i am satisfied with it.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have been holding this card for almost one and half years. So far it has been the best service they have been providing. They have been providing with good cash back offers and reward points. The customer service of theirs has been very good, and the credit limit which they have been provided with the card has been also good. I have been using the card for most of the shopping, in booking hotels and tickets for my flight and train also. Previously the customer service was at its best, now they had a little lag.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have been holding this card for almost 4 months, it has been a very good service which they ahve provided so far. Even the annual fee will be waved off as per the usage, and we will be able to get good points out of the purchases we make online. I have been using this card for my online purchases, hotel booking and also for travel purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Even though the credit limit of Amex Membership Rewards Card's Credit is very good, the charges associated with the card are really high. They offer 2 reward points for every 100 rupees spent which is a coll feature. I never had any issues with the card and its features.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 15, 2018
    • American Express Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with AMEX from last 1 year, i am happy with the credit card services of AMEX. Annual fee of this credit card will be waived off based on the number of transactions done. I get reward points on all transactions and those points are easily redeemable. I am happy with the credit limit in this card.
      Was this review helpful? 0
      , delhi
      Reviewed on May 15, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      The services which they have been providing has been good. even the credit limit which they have provided with the card is also good. the reward points has been less compared with the other cards, and also the annual fee had been a little less. I have been using the card for most of my online purchases.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 15, 2018
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