Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • American Express Credit Cards is Rated as "Excellent!" by 853 Users
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    American Express Credit Cards

    Best American Express Credit Card
    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.

    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, 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.

    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, Taj Resorts vouchers and dedicated concierge assistance.

    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
      "Need to improve customer service"
      0.5 1.0/5 "Really Bad"
      I had applied for a credit card of AMEX.I am not happy with the credit limit of 50,000 as i expected more than a lakh.I have an annual fees to use this card moreover the card is not accepted in most of the outlets and in online sites also.Net banking is very user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • American Express Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using American express credit card from the last eight months of time. Customer service is an awesome, also the response is good too. I would like to say that the online portal is easy to access and everything is best to access.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • American Express Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I got the American express credit card and its really working in good way. Documentation procedures went in the smoother way, Its the hassle free experience and I want the credit limit to be get enhanced. Customer service is good one with the American express credit card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • American Express Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have taken an American Express credit card.I have limit of 50,000 the card is not accepted in all the outlets only most of the outlets and it requires EDC machine of AMEX.I have an annual fees to hold this card.Net banking is good very comfortable to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • American Express Credit Card
      "Best card to use"
      0.5 4.0/5 "Great!"
      My experience with AMEX credit card was very good, they provided very good services when compared to all other credit cards. The process was smooth and i received my credit card within 10 days. I have a credit limit of Rs 4 lakhs which is sufficient for this credit card. The annual fees was nominal in this credit card. I get lot of reward points in this credit card and i use this credit card for shopping purpose.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 19, 2018
    • American Express Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved with AMEX and the experience was quite good. The process was good and i received my credit card within 21 days. There is no limit on this credit card and i pay an annual fee of Rs 4500 for this credit card. Customer service was good and their response was also good. I get Rs 7500 cash back on 18000 reward points and Rs 7000 cash back on 24000 reward points. I use this card for multi purpose and i will recommend this credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 19, 2018
    • American Express Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved with AMEX and the experience was good. I am happy with the credit limit in this credit card. An annual fee has to be paid every year for this credit card. Customer service was good and they collected documents on time. I get offers like reward points and cash back in this credit card and i use this card for general purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card of American Express bank.I would say its the best card ever in the market i liked the service of the bank and the card is accepted at very terminals.The net banking and mobile App are working fine.I get good offers and alerts on time.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 18, 2018
    • American Express Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card of American Express bank.The limit on the card is 50,000.I have no charges for the first year followed by that its chargeable.This card is not accepted in certain outlet as well as online sites,i am not happy about it. otherwise the service is good and prompt.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • American Express Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have my credit card approved with AMEX and the experience was quite good. I am happy with the credit limit in this credit card. The process was lengthy and it took 20 days to receive the credit card. Customer service was good and they provided door step service to collect the documents. There is no annual fee charged for the first year. I have not started using this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2018
    • American Express Credit Card
      "Wonderful card"
      0.5 5.0/5 "Blown Away!"
      For quite some time, I am using American express credit card and the response is very prompt. I really have felt that their customer service is very good one and the response is also good one with the American express credit card. I am really happy with them till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 18, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It is a good experience with American express credit card department. The customer support is good and the rate of interest and charges is good with American express credit card department. The response will be immediate with American express credit card department. It is a excellent service from American express credit card department.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 18, 2018
    • American Express Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have my credit card approved with AMEX and the experience was quite good. I have a credit limit of Rs 60000 which is sufficient but i expected more. The process was smooth and i received my credit card within 1 week. Customer service was good and they collected documents on time. An annual fee of Rs 1500 has to be paid every year for this credit card. I get offers like reward points in this credit card and i use this credit card for general purpose. The charges are very high when compared to all other credit cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • American Express Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Experience is really an excellent one for me with the American express credit card and the credit limit value is around 3.5 lakh Rupees. I would like to say that the response and other features are really working in good way. I am happy with the AMEX credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 17, 2018
    • American Express Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the American Express Membership Rewards credit card for more than 2 years. This credit card has the credit limit value of Rs,2,00,000. I would say I am happy to have this card with this huge limit value, but it is not used at all point of sale.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 15, 2018
    • American Express Credit Card
      "Dis satisfactory"
      0.5 1.0/5 "Really Bad"
      Previously I had a credit card with American Express since I am not satisfied with the service and closed this credit card. Actually the customer respond very badly. I used the credit card for 2 years. They offered a NO CREDIT LIMIT which was actually good but service wise its not satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 11, 2018
    • American Express Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a AMEX credit card from last 1 year, the credit card services are excellent when compared to all other credit card. I pay an annual fee of Rs 1500 for this credit card. I get lot of reward points in this credit card. I make my payments using the mobile application and i have a credit limit of Rs 3.2 lakhs which is sufficient for this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 11, 2018
    • American Express Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have cancelled the American express credit card because of the huge credit limit, which is in macro piece. Response is not really good one with the American express credit card like they have to work and improve on it. I am happy with the American express credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 11, 2018
    • American Express Credit Card
      "Amazing"
      0.5 4.5/5 "Excellent!"
      I am having the American express credit card and am using it from the lat six months of time. I can get good offers and cashback with them. I would like to say that the response and other things are good one with the American express credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 11, 2018
    • American Express Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have cancelled the American express credit card and there are no such offers with them and I have used it for more than two years of time. Because of lacking with offers only, I have not go ahead with them. Rest of the things are really fine one for me with the American express credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 11, 2018
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