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

    American Express offers a number of credit cards with each offering a wide variety of benefits to its customers. Some of the benefits include membership reward points, travel benefits, dining privileges as well as exclusive benefits from Jet Airways depending on the card you choose. The credit cards also offer hotel privileges as well and are curated to suit to every need of yours.

    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 Membership Rewards Credit Card Rs.4,500 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

    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.

    How to apply for an Amex credit card

    You can apply for the American Express Membership Rewards Credit Card and the American Express Gold Card on the BankBazaar website. Here you also get the facility of uploading the required documents so that your application is processed in a rapid manner.

    Benefits of applying for credit cards on BankBazaar.com:

    • The option of checking your credit score without paying for it
    • The option of checking your eligibility for the cards without paying for it
    • A simple, convenient, and rapid processing of your application
    • Free gifts

    To apply for any of the two Amex credit cards, do the following:

    • Since you are already on the American Express credit cards page, click the 'Check Eligibility' button that you see against your desired American Express card.
    • Give the right answers to the questions that follow.
    • Then you will be redirected to the application page of the bank where you must enter the required information before clicking 'Submit'.
    • Finally, you would be prompted to upload and submit the necessary set of documents to apply for the card.

    On correctly submitting your application, you will be sent an application ID using which you can know the status of your application by visiting ' Track Application '.

    To apply for the rest of the cards mentioned in the above list, you need to visit the American Express official website.

    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. 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:

      

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