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  • 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. If you are looking for a credit card, ccompare and apply for an Amex card that best fits your lifestyle.

    Top 5 credit cards offered by American Express

    Here we offer you the top 5 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 Category
    American Express Credit Card Variant Annual Fee Category
    American Express Membership Rewards Credit Card Zero* Rewards
    American Express Gold Card Rs.4,500 Shopping
    American Express Platinum Reserve Credit Card Rs.10,000 Premium lifestyle
    American Express Platinum Travel Credit Card Rs.5,000 Premium travel
    Jet Airways American Express Platinum Credit Card Rs.10,000 Co-branded travel

    Please Note: For American Express Membership Rewards Credit Card annual fee is zero if per annum spend is above Rs.1.5 lakh

    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.

    All About Amex Bank Credit Card

    Features and benefits offered by the top 5 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: Nil (If you apply through BankBazaar). For others Rs.1,000.

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

    Joining Bonus: 4,000 bonus membership reward points on spending Rs.2,000 within 60 days of the card issuance.

    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.1,000 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.
    • Exciting offers on booking travel tickets through MakeMyTrip.com.

    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 Gold Card

    Key Highlights: A card with no pre-set limit, it gives you premium services like dining privileges, fuel convenience fee waiver, zero lost card liability, and 24X7 assistance.

    Joining Fee: Rs.1,000

    Renewal Fee: Rs.4,500

    Joining Bonus: 4,000 bonus membership points on spending Rs.2,000 within 60 days of the card issuance.

    Features and benefits:

    • Upon finishing 6 transactions worth Rs.1,000 each in a month, you are eligible for 1,000 bonus membership rewards points.
    • You can enjoy flexibility in spending with 'no pre-set' limit which means the charges are approved based on your spending behaviour, financials, credit record and account history.
    • At select restaurants in the country, Gold cardholders will get 20% off on dining bills.
    • You are entitled to 2 free supplementary cards at no additional cost.
    • Zero convenience fee on fuel purchase made at any Hindustan Petroleum outlets in India.

    Rewards redemption options: The accrued points can be used to redeem more than 500 options including hotels, airlines, and electronics. The points can also be exchanged for 24 Karat Gold collection and 18 Karat Gold collection.

    Suitable for: Individuals who frequently spend both on online and offline purchases and those who don't like to have a pre-set spending limit on their card.

    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

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

    Joining Bonus: 11,000 bonus membership reward points on spending Rs.5,000 within 60 days of the card issuance.

    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 on monthly spends of at least Rs.25,000.
    • The best of the privileges at Taj Hotels Palaces Resorts Safaris and Preferred Hotels & Resorts.
    • Complimentary membership to Priority Pass for access to airport lounges across India.
    • Special healthcare and wellness privileges from Max Healthcare, Fortis Healthcare, and Texas Medical Concierge.
    • Dedicated services of a concierge for taking care of all your requests.

    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: 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)

    Joining Bonus: 5,000 bonus reward points on spending Rs.5,000 within 60 days of the card membership.

    Features and benefits:

    • Earn 1 membership reward point for every Rs.50 spent using the card except for utilities, fuel, insurance, and cash transactions.
    • Travel vouchers worth over Rs.7,700 on yearly spends of at least Rs.1.90 lakh.
    • Save more on travel with the travel vouchers worth Rs.11,800 and benefits from MakeMyTrip.
    • 4 complimentary visits to airport lounges per year with the Priority Pass membership.
    • Milestone bonus that can be used for claiming attractive travel deals and stays at premier hotels.

    Rewards redemption option: Reward points can be redeemed for over 600 redemption options including travel vouchers.

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

    Jet Airways American Express Platinum Credit Card

    Key Highlights: Make every journey more rewarding with JPMiles and other travel privileges that come with this co-branded card. Enjoy luxuries such as the special services of a dedicated concierge and other premium facilities.

    Joining Fee: Rs.5,000

    Annual Fee: Rs.10,000 (2nd year onwards)

    Joining Bonus: 10,000 Bonus JPMiles and a one-way complimentary Jet Airways domestic ticket with base fare waived.

    Features and benefits:

    • 8 JPMiles for every Rs.150 spent except for insurance, utilities, fuel, and cash transactions.
    • Complimentary visits to 11 domestic airport lounges at 9 cities in the country.
    • iPrefer Elite Tier complimentary membership from Preferred Hotels & Resorts.
    • Excess baggage waiver of 5kg for Jet Airways flights within India.
    • Up to 20% discount at select restaurants, multiple cuisines and more.

    Rewards redemption option: Reward points can be redeemed for JPMiles.

    Suitable for: Frequent flyers and travellers.

    Eligibility to apply for American Express Credit Cards

    Minimum age 18 years
    Employment status Salaried or Self Employed
    Minimum annual income Rs. 6 Lakh
    Others An Indian or a multinational bank's savings or current account in India

    Check Your Eligibility for the American Express Credit Cards Online

    Since BankBazaar is an official partner for the American Express Membership Rewards Credit Card and the American Express Gold Card, you can check your eligibility to apply for these two cards on the BankBazaar website. Just visit www.bankbazaar.com/american-express-credit-card.html and click the 'Eligibility' button against the card.

    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.

    • Your PAN Card
    • Passport
    • Driving licence
    • Voter's ID card
    • Aadhaar Card
    • Job Card issued by NREGA

    The exact list of documents would be specified by the bank when you apply for an Amex credit card. You can also contact its credit card customer care centre to know about the entire set of necessary documents.

    Reward Points on the top 5 American Express credit cards

    Here we have listed some of the best reward points programs offered by the top 5 Amex credit cards. Using an Amex card, you can accumulate a high number of reward points across diverse categories. You would also love the redemption options that you get to use these points.

    The following table mentions the reward points that you can accumulate on your Amex card:

    Amex credit card variant Regular reward points Accelerated/milestone reward points
    American Express Membership Rewards Credit Card For every Rs.50 spent on the card, you get 1 reward point
    • 1000 points on completing 4 monthly transactions each of Rs. 1,000 or more.

    • 5,000 points on first year card renewal.
    American Express Gold Card For every Rs.50 spent on the card, you get 1 reward point
    • 5,000 points on first year card renewal.

    • 1000 points on completing 6 monthly transactions each of Rs. 1,000 or more.
    American Express Platinum Reserve Credit Card For every Rs.50 spent on the card, you get 1 reward point Up to 20 bonus points on spends at partner stores.
    American Express Platinum Travel Credit Card For every Rs.50 spent on the card, you get 1 reward point
    • Accelerated reward points on select spends.

    • Up to 20 reward points on every Rs.100 spent at partner stores.

    • 7,500 points on annual spends of Rs.1.90 lakhs.
    Jet Airways American Express Platinum Credit Card For every Rs.150 spent on the card, you get 8 JPMiles
    • 5,000 Bonus JPMiles on every renewal.

    • 16 JPMiles for every Rs. 150 spent for booking tickets on Jet Airways website.

    Amex Credit Cards FAQs (Frequently Asked Questions):

    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. 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
    3. 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).
    4. What is an American Express Add-On or Supplementary credit card?
    5. 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?
    7. 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.

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

    10. What benefits accompany an American Express Platinum Reserve credit card?
    11. 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.

    12. 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)
    13. How many AirMiles can I earn with Jet Airways American Express Platinum Credit Card?
    14. For every 150 rupees spent booking tickets on Jet Airways’ official website, earn 8 JPMiles.

    15. Is the option to convert purchases into EMI available with American Express credit cards?
    16. 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.

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

    19. 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
    20. 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:

      

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    American Express Credit Cards Reviews

    • American Express Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have American Express Banking Corporation credit card which i am using for the past 2 years .This was a free card and there was no drawbacks faced so far ,The credit limit was good on this card ,The cash back offers and reward points are good as well.Customer service is also good and there was no difficulties faced on using this card .
      Was this review helpful? 0
      , pune
      Reviewed on Oct 11, 2019
    • American Express
      American Express Credit Card
      "Awesome Card"
      0.5 5.0/5 "Blown Away!"
      I didn't like the service from Indian bank and there are lots of offers from Amex card and their customer care service is Awesome. I can able to access the card in all the places and there is no annual fee for the first year. Its a platinum reserve card which I'm holding with. They can increase the Point of Sale in the local market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 10, 2019
    • American Express Credit Card
      "Need to reduce the annual fee"
      0.5 3.5/5 "Pretty good"
      Amex credit card is not providing any deals but the reward points are good. The customer service is very excellent and professional. I have utilized the customer service and its fine. Their annual charges are much higher than any banks. The limits are fine.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 08, 2019
    • American Express Credit Card
      "Excellent Card"
      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? 1
      , chennai
      Reviewed on Oct 05, 2019
    • American Express Credit Card
      "Excellent card"
      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? 0
      , chennai
      Reviewed on Oct 03, 2019
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Recently I faced a difficulty with AMEX credit card because most of the POS machine is not deducting this card and even in the BIG BAZAAR could not use this card. But only its good for online transactions and like adding money to the paytm wallet. The annual fee is applicable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 26, 2019
    • American Express Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have been using Amex card for past 5 years and its satisfied for online transactions like bookings at IRCTC, LIC premium. They are providing faster service and collecting more charges. The customer service is an excellent and the response was accurate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 24, 2019
    • American Express Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have been using AMEX credit card for more than 2 years which was processed through an other channel. It is an annual fee chargeable and there is an option for a waiver off. EMI option is applicable and charges are nominal. This card applicable for dining and airport lounges.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2019
    • American Express Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      One month back I taken Amex credit card, I paid the joining fee around Rs.500 and they do have yearly charges. They are providing airport lounge and travel discount hence I have taken this card but yet to explore the offers. Their customer service is very prompt.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2019
    • American Express Credit Card
      "Awesome credit limit & hassle free online transactions"
      0.5 5.0/5 "Blown Away!"
      Amex credit card is good and my wife is using it. She used to travel Abroad and its been much more helpful for her due to this reason she has opted for it. The credit limit is awesome and the customer service is very good. There is annual fee of around 4k to 5k.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Sep 18, 2019
    • American Express Credit Card
      "Good but need scope of improvement"
      0.5 4.0/5 "Great!"
      The credit limit is good on Amex card but again the accessibility is less in Chennai. The rate of interest is good and they need to expand their services everywhere to serve better because most of the merchants are not accepting the card. They have charged me annual fee for the first year and its refundable. From the second year onwards, if I spend 70K then they will waived off.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • American Express Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Amex credit card is okay and I use the card went to Lucknow. Some merchants told me the swipe machine is different and some said they don't have tied up with the bank because the charges are higher. I found the accessibility is less compared to other banks. Its very complicated to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 16, 2019
    • American Express Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Amex has given me a good limit and airport lounge access and am using the card for last couple of months. They are charging me annual fee of Rs.500 and GST. I have not interacted with the customer service. The interest rates are fine. The accessibility is little bit slow which they need to improve.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 16, 2019
    • American Express Credit Card
      "Need to reduce the charges"
      0.5 2.5/5 "Just OK"
      They are pretty much costly and the service is great due to heavy charges I am going to close my Amex card, this card has drawback many of them won't accept this card, there is no machine to use this card. So they should get connected with lots of vendors.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • American Express Credit Card
      "Interest rates are high"
      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? 0
      , nellore
      Reviewed on Sep 12, 2019
    • American Express Credit Card
      "Userfriendly portal with lots of offers"
      0.5 5.0/5 "Blown Away!"
      Amex unnecessary put lots of charges on the transaction hence they need work on it but the customer care is very helpful they pick up the call instantly whenever I try to connect their customer care at a first try I could reach them. Till now I didn't get any offers but the portal is very easy to redeem the points into outstanding amount.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Sep 10, 2019
    • American Express Credit Card
      "Easy money card"
      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? 2
      , gurgaon
      Reviewed on Sep 08, 2019
    • American Express Credit Card
      "Good Product"
      0.5 5.0/5 "Blown Away!"
      They have provided me a Gold Card from Amex and there is no charges and in the statement they have mentioned that based on my usage, annual fee will get waived off. Most of the other places, I'm unable to use the card. I do purchase in airport. In petrol stations, its not accepted. They are sending the offer notification through mail or SMS.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 07, 2019
    • American Express Credit Card
      "Gradually makes their business"
      0.5 5.0/5 "Blown Away!"
      I'm using the Amex credit card and they have given lots of option for hotel and many shops but i haven't used much. I have not faced any problem with the card hence i never interacted with the card. More than 3 months i hold this card. I am using the Platinum Travel card and I'm satisfied with the credit limit of Rs. 2 lakhs approximately. For the privilege customer only, Amex provides the credit card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 07, 2019
    • American Express Credit Card
      "Need to increase the limit"
      0.5 3.0/5 "Satisfactory"
      I have AMEX card but am not using it which I have taken it 2months back. I am not having much experience. The credit limit is less and have tried twice for my higher transactions which am not able to process. There is no annual fee. They need to improve the credit limit. The charges are good for EMI conversion.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 06, 2019
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