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

    Confused which American Express credit card to pick? Each American Express credit card is tailored to meet the specific requirements of the cardholder. Compare various Amex cards and apply for the one that best suits you online right here.

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    American Express Credit Cards is Rated as "Excellent!" by 2126 Users

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    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.

    List of Credit Card Offered by Amex Bank

    Name of the card Joining Fee (In Rs) Annual Fee (In Rs)
    The American Express Platinum
    Travel Credit Card
    Rs.3,500 plus GST First Year: Rs.3,500 plus GST
    Second year onwards: Rs.5,000 plus GST
    The Jet Airways American Express
    Platinum Credit Card
    Rs.5,000 plus GST First year: Rs.5,000 plus GST
    Second years onwards: Rs.10,000 plus GST
    The American Express Membership
    Rewards Credit Card
    NIL First year: NIL
    Second year onwards: Rs.4,500
    The American Express Platinum
    Reserve Credit Card
    Rs.5,000 First year: Rs.5,000 plus GST
    Second year onwards: Rs.10,000 plus GST
    The American Express Gold Card Rs.1,000 First year: Rs.1,000 plus GST
    Second year onwards: Rs.4,500 plus GST

    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.

    Required Eligibility & Documents for Amex Cards

    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.
    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 Palaces Resorts Safaris.
    • 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.

    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 American Express Credit Cards 2019

    American Express Credit Cards Reviews

    • American Express Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a American express credit card and i am using it from a while. I am happy with the overall services and in Bangalore American express card is accepted in most of the places. Limit given is good but when it comes to offers , they are very less.But points system is pretty impressive.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Dissatisfied card"
      0.5 3.0/5 "Satisfactory"
      I'm satisfied with the service provided the Amex Card. I was expected the more credit limit but they have given me lesser one. There is a annual fee for my Amex card and it will get waived off for that i have to do a certain transaction. Only problem with the card is i cannot use the card in most of the outlets since they are not accepting the Amex card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have a credit card with AMEX from last 8-9 months, Rs 4000 has to be paid from second year as an annual fee for this credit card. The credit card services are not up to the mark because this card is not accepted on all the places. Offers like reward points are good and i am happy with the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Good for reward points"
      0.5 5.0/5 "Blown Away!"
      Amex is very good I am using it for last 4 years, the best part they have some points, I can call to the customer support to encash upto Rs. 10,000 on the billing. Every Rs.50 I get one point and they give more feature. The customer support is mind blowing I don't want wait for anything.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Average Card"
      0.5 5.0/5 "Blown Away!"
      I have been using the using the American express credit card for last 6 months. The card is really good but they have given me a so less credit limit of Rs. 30000. I never faced any kind of billing related issue with this credit card. There will be some annual fee and it will get waived off automatically if i use certain limit.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Amex bank credit card for an while, they have not charged me annual fee in this card, as it is life time free credit card, and i am happy with the credit limit they have given me in this card, and there offers are good,there service is excellent, if any issue they instantly resolve it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Amex gold card for long time, they have given me Excellent service, like if i want to purchase for any thing in branded retailer shop they give me good reward points like if i spend every 1000 rupees in some time, then they will increase up to 4000 points and i can accumulate those points any where i want, but in small retailer shop this card is not applicable,like in medical shop or in general store there was not facility available like the shopkeeper had said like this card is beneficial for card holders and not to shopkeeper for that reason they have not taken this card,and i got credit limit up to 2,50,000 , i am happy with the limit which they have given me ,overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I've been using the AMERICAN EXPRESS BANK credit card for the past few Years, The card is good and the Limit is also good. I never faced any hassle with their services.overall it is a recommendable card to have. The card is chargeable at the time of getting it . The card is for multipurpose .
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am not happy with Amex credit card, they have no benefit they have given me in this card, like no offers available ,or even in many outlet this card is not applicable so now i have cancel this card , and even they have charged me annual fee in this card,but i was happy with there credit limit ,they have given me up to 60,000 it was good, overall service was good.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 17, 2019
    • American Express Credit Card
      "Charges should be reduced"
      0.5 5.0/5 "Blown Away!"
      I was holding Amex card but now I closed it, I was paying the annual fee around Rs. 3500 it was huge. Then I got other different cards, hence I have closed the card. However service wise, they are the one who created the bench mark, I suggest need to concentrate in accessibility.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 14, 2019
    • American Express Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Amex bank is also good in the banking experience. The customer services and response is good. The billing is on time and it is clear and the statements are on a timely basis too. Overall there are no issues to use the credit card. The credit limit is also fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I hold a Amex Bank credit card. The customer services and response is good and there are no hassles in the process. The card was sent on time and there are good deals on the card. The statements are clear and sent to me on time. Good overall and satisfactory.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with AMERICAN EXPRESS BANK . I am holding this card for more than 1 year . Benefits were good reward points , cash back offers on movie tickets . There is annul fee at the time of getting the card . Customer service is good with this card .
      Was this review helpful? 0
      , pune
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with AMERICAN EXPRESS BANK . I am holding this card for more than 5 year. Benefits were free airport lounge excess, reward point . This is one of the best card because it is limitless credit card . I use this card for multipurpose .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My application was approved with AMERICAN EXPRESS BANK . The services and process was smooth with this card . They offered good credit limit and i am satisfied with that . Benefits were good with this card . I use this card for shopping and so many purpose .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a American Express credit card and i am using from long. I am pretty much happy with the services. When it comes to offers American express services does things best. I get offers while booking flight tickets and also there are cash back offers.Limit given is fine and overall a happy go card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Below Average Card"
      0.5 1.0/5 "Really Bad"
      Amex is a worst card to use. Most of the shops are not accepted by this card. Previously i have used the card 3 years before. I have got the offer hence before 6 months i have purchased this card. They have given me a lowest credit limit any which is enough for me .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Not accepted at Most of the places"
      0.5 3.0/5 "Satisfactory"
      I hold a American Express Credit card and i am using this card from long. The only concern i have here is that this card is not accepted in most of the places. The limit given is less and i use this card mainly for on-line transaction. If limit is increased its a good to go card.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 11, 2019
    • American Express Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been the best card among all the other cards and the card has been having a good credit limit. It has been a life time free card and there has been some good benefits which comes with this card. I am using the card for all sort of purposes like shopping and all other purchases.
      Was this review helpful? 1
      , greater noida
      Reviewed on Jan 10, 2019
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      They have good customer care services. Whenever i called them in terms of offer or any issues, terms and conditions and they respond very nicely. Customer care will directly connected to the telecaller and there is no IVR. There are good offers are available with the credit card always. This card has a good credit limit and zero annual fee.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jan 10, 2019
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