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.

    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
      "100% satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am using Amex credit card and I would say its excellent. They were no charges and the services are satisfactory. I am using Amex Rewards credit card for last 3 years and even the credit limit is fine. They were very transparent. There is no annual fee. Only reward points are applicable. The redemption of points are easy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 26, 2019
    • American Express
      American Express Credit Card
      "Costly but its beneficial"
      0.5 5.0/5 "Blown Away!"
      They have amazing customer support, whenever I have any queries, they are proactive to resolve it. I am using this card for last two years, although its a chargeable card its best for me. There is a reward points on the expenditure for every Rs. 4000 I get Rs. 400 worth reward points. All major websites are providing benefits with Amex card but all merchandise doesn't have their machine. But now Amex collaborated with ICICI and SBI to use their card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 25, 2019
    • American Express Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have selected AMEX express gold rewards credit card . past 2 years ag using this credit card , while transaction through online receive rewards points annual is applicable . while transaction some amount annual chargers will be waiveroff , Customer service is good and responsive . EMI option is applicable and sufficient limit is provide from banker end.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 24, 2019
    • American Express Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I got a credit card from American Express and its a good card. I am using the card and the credit limit is good. They have been charging annual fee but I don't remember how much its. I have received the card on time and its hassle free. Its a paperless approval.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 24, 2019
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have American Express Banking corporation credit card and this is a chargeable card .I have got all the relevant details about the card process ,I am using this credit card for the past 1 year ,The credit limit was good and so far not faced any difficulties on using this credit card .There are good cash back offers and reward points as well .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2019
    • American Express Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have American Express Banking Corporation credit card which was taken directly through Bank .The credit limit was good and i am using it more than 1 year and happy with the credit limit .I have got all the information about the card process through the agent .There was no difficulties faced so far on using this card. .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 19, 2019
    • American Express Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have American Express Banking Corporation credit card which was taken directly.The credit limit was good .This is a chargeable card and also each and every charges are more .Customer service is really very good to me .I am planning to close the card .I am really satisfied with the service .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 19, 2019
    • American Express Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      The process in getting my AMERICAN EXPRESS BANK CREDIT CARD has been a simple and easy. They had delivered the card on time, i am satisfied with the credit limit with this card and there is some good benefits in using this card as well. It has some annual charges and i have started using the card as well.
      Was this review helpful? 1
      , jaipur
      Reviewed on Jun 19, 2019
    • American Express Credit Card
      "Positive bank "
      0.5 5.0/5 "Blown Away!"
      Purchased my Amex card recently since its a international card which i spent anywhere hence i have got this. For other card, we need to enable for international transaction. Its a rewards card and till date i did not use the card and the person called me from Amex explained me about the features of the card and I'm satisfied with the limit as well.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 19, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 4.5/5 "Excellent!"
      I have been holding Amex credit card from long time, their service is good, they use to response me well, they use to guide me if any issue is there, in hand itself the issue get resolved, they have charged me annual fee but no waived off option available.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 19, 2019
    • American Express Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken AMERICAN EXPRESS bank credit jus ten days before which was applied directly to bank. The process was smooth and good.I received a card on time. It is an annual fee chargeable.The credit limit is sufficient. Yet to generate the pin.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 18, 2019
    • American Express Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have selected AMEX platinum credit card past 1 year ago , customer service is good and responsive ,Emi option is applicable. its life time free credit card and Documents submitted executive there is delay receiving credit credit.I will recommend to my friends.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 18, 2019
    • American Express Credit Card
      "Great Card"
      0.5 5.0/5 "Blown Away!"
      Using my American express for last 2 years. I am using the rewards card and I am using this card often. I do get a every month 1000 bonus and rewards points for each and every purchase. The minimum due amount is less. The customer care is very much user friendly. They have a huge registration fee of Rs. 5000.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 18, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Amex credit card from past six years, their service is good, i have no idea amount annual fee is chargeable or life time free card as i do not check this , the credit limit which they have given to me was good, they have given me up to 60,000 as limit, they use to give me good offers.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 18, 2019
    • American Express Credit Card
      "Not satisfied"
      0.5 0.5/5 "Unacceptable"
      I use Amex credit card from last 1.5 years. Most of the merchants are not accepting Amex card because of higher transaction charges as well as its not user friendly like other cards. The customer service is also not up to the mark. They need an improvement on the service. The interest rate is very higher than other bankers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2019
    • American Express Credit Card
      "Good card for reward points"
      0.5 4.0/5 "Great!"
      I am holding AMERICAN EXPRESS bank credit card for more than one year. It is a life time free credit card which was offered from bank.The credit limit is much sufficient to use. In this bank they have given a good option as converting reward points to money so with that cash I make a payment for credit card bill.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 18, 2019
    • American Express Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I have American Express banking Corporation credit card which was directly taken through the agent .The credit limit was good ,This is a chargeable card and this card is not accessible on all places that is the only issues ,There are good reward points as well as cash back offers as well .I am satisfied with the service .
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 17, 2019
    • American Express Credit Card
      "BEST CARD"
      0.5 5.0/5 "Blown Away!"
      I am holding the AMERICAN EXPRESS BANKING CORPORATION since from last few years and i am facing no issues with the card but it is unable to use it all the places. The card has no rewards program and no using the card often it has the good credit limit to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2019
    • American Express Credit Card
      "Good card for all purposes"
      0.5 5.0/5 "Blown Away!"
      I am using AMEX credit card for more than one month which was applied through an online. I received a card on time. It is a life time free credit card. The credit limit is much sufficient to use for this card. I use this card for many purpose like air tickets, shopping purpose, restaurants and fuel purposes. I mostly use for zomato I get many reward points.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2019
    • American Express Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am using AMERICAN EXPRESS bank credit card for more than 1 year. The credit limit is sufficient to use. For this card in some of grocery shop and some hospitals are not validate to access. I use to get reward points. For amex card the final charges and GST charges are done twice in a month. If I use this for swiggy I get cash back with some terms and conditions.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2019
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