Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • American Express Credit Card

    Want to know more about the 'Top American Express Credit Cards'? From membership reward points, travel benefits to dining privileges, American Express credit cards offer attractive benefits that are tailored to your specific needs.

    Top American Express Credit Cards in India 2023

    Given below are the American Express credit cards that you can consider for a premium credit card experience. Each of these cards has been tailored to meet the specific requirements of different categories of individuals who have varied spending habits.

    American Express Credit Card Variant Annual Fee
    American Express Membership Rewards Credit Card
    • First Year Fee: Rs.1,000 plus taxes
    • Second Year: Rs.4,500 plus taxes
    American Express SmartEarn Credit Card
    • First Year Fee: Rs.495 plus taxes
    • Second Year Fee: Rs.495 plus taxes
    American Express Platinum Reserve Credit Card
    • First Year Fee: Rs.5,000 plus taxes
    • Second Year Fee: Rs.10,000 plus taxes
    American Express Platinum Travel Credit Card
    • First Year Fee: Rs.3,500 plus taxes
    • Second Year Fee: Rs.5,000 plus taxes

    Please Note: For the American Express Membership Rewards Credit Card, the annual fee is zero if per annum spend is above Rs.1.5 lakh. If you spent between Rs.90,000 and Rs.1,49,999, 50% of the annual fee will be waived off.

    For the American Express SmartEarn Credit Card, the annual fee is waived in case Rs.40,000 is spent in a year,

    More

    If you are searching for credit cards that would deliver the maximum benefits and financial flexibilities to you, you need to explore the cards offered by American Express. Each of these Amex cards offers lifestyle deals across multiple categories which make them a delight to use.

    Features and Benefits for American Express credit cards

    American Express Membership Rewards Credit Card

    Key Highlights: Customers can enter a world that is full of choices and rewards through the American Express Membership Rewards Credit Card. You also enjoy other benefits like fuel surcharge waiver and zero lost card liability.

    Joining Fee: Rs.1,000 plus taxes

    Renewal Fee: Rs.4,500 plus taxes (2nd year onwards)

    Features and benefits:

    • 1 reward point for every Rs.50 spent on purchases other than fuel, insurance, utilities, and cash transactions.
    • 1,000 bonus membership reward points on using the card 4 times for transactions of at least Rs.1500 every month.
    • 5,000 membership rewards points on first year card renewal.
    • Convert any purchase of at least Rs.5,000 to easily manageable EMI.

    Rewards redemption options: You can redeem the accumulated points for 18 and 24 Karat Gold collection.

    Suitable for: People who want their credit card to come with attractive reward points for spends on diverse categories.

    American Express Platinum Reserve Credit Card

    Key Highlights: The Amex Platinum Reserve Card will open a new world of travelling, lodging, fine dining and more at every step of your journey. You get a list of premium services including health and wellness benefits.

    Joining Fee: Rs.5,000 plus taxes

    Renewal Fee: Rs.10,000 plus taxes (2nd year onwards)

    Features and benefits:

    • 1 reward point for every Rs.50 spent on purchases other than fuel, insurance, utilities, and cash transactions.
    • Online shopping or movie vouchers worth Rs.6,000 per year.
    • The best of the privileges at Taj SeleQtions, Vivanta Hotels, and Preferred Hotels & Resorts.
    • Complimentary membership to Priority Pass for access to airport lounges across India.

    Rewards redemption options: You get multiple redemption options across categories like travel, dining, accessories, etc. You can also use them to pay for your flight tickets and the card charges.

    Suitable for: People who want high-end luxury options on their credit card.

    American Express Platinum Travel Credit Card

    Key Highlights: American Express Platinum Travel Credit Card is specially designed for frequent travellers, this card comes with top-class travel benefits and privileges which will make every journey more rewarding. You would also enjoy other benefits like fuel convenience fee waiver and zero lost card liability.

    Joining Fee: Rs.3,500

    Annual Fee: Rs.5,000 (2nd year onwards)

    Features and benefits:

    • Earn 1 membership reward point for every Rs.50 spent using the card except for utilities, fuel, insurance, and cash transactions.
    • Get a Flipkart voucher or Travel benefits worth Rs.4,500 on yearly spends of at least Rs.1.90 lakh.
    • Get a Flipkart voucher or Travel benefits worth Rs.7,700 on yearly spends of at least Rs.4 lakh.
    • 8 complimentary visits to airport lounges per year in India. Maximum of 2 in a quarter.
    • Milestone bonus that can be used for claiming attractive travel deals and stays at premier hotels.

    Suitable for: Frequent travellers who want to enjoy the best travelling experiences provided by a credit card.

    American Express SmartEarn Credit Card

    Key Highlights: The American Express SmartEarn Credit Card comes with several benefits, where Reward Points can be earned on spends at BookMyShow, Swiggy, Uber, Amazon, Flipkart, etc. The renewal fee is waived in case Rs.40,000 or more is spent in a year.

    Joining Fee: Rs.495 plus taxes

    Annual Fee: Rs.495 (2nd year onwards)

    Features and benefits:

    • 10X Membership Reward Points can be earned on Uber, Amazon, and Flipkart spends.
    • 5X Membership Reward Points can be earned on BookMyShow, Swiggy, etc., spends.
    • Purchases can be converted to EMIs.
    • In case Rs.10,000 is spent within the first 90 days, a Welcome Gift of Rs.500 will be provided as a cashback.
    • Earn 1 membership reward point for every Rs.50 spent using the card except for utilities, fuel, insurance, and cash transactions.

    Eligibility to Apply for American Express Credit Cards

    Minimum age 18 years
    Permanent Residency Indian
    Credit Score Good
    Others
    • An Indian or a multinational bank's savings or current account in India
    • Not filed for bankruptcy in the past 7 years

    Documents to be submitted to apply for the American Express Credit Cards

    The following are some of the common documents needed to apply for an American Express credit card.

    • PAN Card
    • Proof of residence
    • Proof of Annual Income
    • Proof of Employment
    • Proof of Identity

    The exact list of documents would be specified by the bank when you apply for an Amex credit card. You can also contact American Express Credit Card Customer Care centre to know about the entire set of necessary documents.

    FAQs on American Express Credit Cards

    1. What are the eligibility criteria to apply for an American Express credit card?

      The applicant should be an Indian citizen (minimum age 18 years) and have a good credit history.The applicant must not have filed for bankruptcy in the preceding 7 years.

    2. What is an American Express Add-On or Supplementary credit card?
    3. 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.

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

    6. What benefits accompany an American Express Platinum Reserve credit card?
    7. 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.

    8. 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 flexible EMI tenures of 6 or 12 months will apply.

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

    11. As a constant traveller, what cards will help me in my travels?

      These two credit cards for travelling, American Express Platinum Reserve Credit Card and American Express Platinum Travel Credit Card.

    12. Why must I choose an American Express Credit Card with reward benefits?

      Choosing an American Express Credit Card with reward benefits offers enticing signup bonuses, the opportunity to earn reward points on nearly all purchases, reliable 24x7 customer support, and robust fraud and purchase security measures.

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