Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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.
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 |
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| American Express SmartEarn Credit Card |
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| American Express Platinum Reserve Credit Card |
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| American Express Platinum Travel Credit Card |
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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,
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.
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:
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.
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:
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.
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:
Suitable for: Frequent travellers who want to enjoy the best travelling experiences provided by a 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:
| Minimum age | 18 years |
| Permanent Residency | Indian |
| Credit Score | Good |
| Others |
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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.
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.
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.
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.
First year Fee: Rs.5,000 plus applicable taxes. Second year onwards: Rs.10,000 plus applicable taxes.
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.
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.
All credit cards currently presented by American Express offers this option.
These two credit cards for travelling, American Express Platinum Reserve Credit Card and American Express Platinum Travel Credit Card.
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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