Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 The American Express PAYBACK®Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    750
    Response Time Within 30 minutes
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    The American Express PAYBACK®Credit Card is Rated as "Great!" by 58 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN
    • Earn multiple points from more than 40 PAYBACK partners
    • Get welcome vouchers worth Rs.3000
    • 'Pay-in-Parts' privilege-Pay in easy installments
    • Apply for American Express Credit Card through BankBazaar.com and Earn 3% Cash back at leading fuel stations across India + 2.5%* surcharge waiver at HPCL fuel stations. T&Cs apply.

    American Express Payback Credit Card Overview:

    Payback Credit Card by American Express is a rewards-focused credit card that allows you to collect Payback points on the card and redeem them at partner stores and get special discounts. Payback is one of India’s biggest loyalty programmes, which is partnered with over 50 online and offline stores. The partners include Amazon. Flipkart, Snapdeal, Jabong, MakeMyTrip, TripAdvisor, BigBazaar, Pantaloons, Central and Brand Factory.

    Features and Benefits of the American Express Payback Credit Card:

    The features and benefits of getting an American Express Payback Credit Card are many. Here are some of the special offers:

    • You get welcome vouchers worth Rs.3,000 at the time of joining. These vouchers would be of varying denominations and redeemable at different Payback partners.
    • If you spend Rs.15,000 within 60 days of setting up the credit card, you get 900 bonus points.
    • For every Rs.100 that you spend, get 3 Payback points. However, you will not get any reward points when you spend on fuel, utilities, insurance and cash transactions.
    • If you shop with any of the Payback partners, you can earn extra Payback points apart from the usual 3 points.
    • You are also eligible for exclusive discounts on dining, travel and online shopping. More than 1,200 partner restaurants offer you discounts of up to 30% along with an additional 5% cashback if you book your tables through Dineout.
    • Fuel transactions of up to Rs.25,000 per month is exempt from payment of surcharge.

    Eligibility Criteria:

    The eligibility criteria for American Express Payback Credit Card are:

    • Minimum age: 18 years
    • You must be an Indian resident
    • You must have an Indian credit file. You can get this if you have owned a credit or debit card from any bank/financial institution.
    • You must not have filed for bankruptcy in the past 7 years.
    • You must have a good credit score to be able to get good interest rates.

    Documentation Required:

    To apply for a Payback Credit Card from American Express, you need to produce the following documents:

    • Identity proof: Passport/PAN/Voter’s ID card/Aadhaar/Driving licence/Ration card and other applicable government documents
    • Address proof: Passport/Driving licence/Ration card/Electricity bill/Landline telephone bill and other applicable government documents
    • Income proof: Latest payslip/Form 16/copy of Income Tax Return and bank statements
    • Credit report: American Express may ask for your credit report as per its discretion.

    Fees and Charges:

    The following fees and charges are applicable on your American Express Payback Credit Card:

    ChargesPayback Credit Card
    Standard joining feeRs.750 plus taxes
    Standard annual fee (2nd year onwards)Rs.1,500 plus taxes
    Standard add-on card joining feeRs.750
    Minimum monthly payment5% of the outstanding amount or Rs.100, whichever is greater
    Finance charges (interest rate)3.25% per month (42% per annum)
    Cash withdrawal fees2.5% (Minimum Rs.250) of the withdrawn amount
    Late payment charge30% of the minimum amount due, with a minimum of Rs.500 and a maximum of Rs.1,000, plus taxes

    Your annual fee is waived from the second year if you spend over Rs.1.5 lakh through the credit card in the preceding year.

    How to Redeem Your Membership Reward Points:

    You can redeem the Payback points in 3 ways:

    • Shopping from Payback online catalogue
    • Shopping with online partners
    • Shopping with store partners

    How to Apply for the American Express Payback Credit Card:

    To apply for American Express Payback Credit Card through BankBazaar, you need to visit the website and look for American Express under the credit cards section. Select this card; you can also compare it against other cards in the category and explore the rewards. Click on ‘check eligibility’ to see if you are qualified to get the card, and if yes then click on ‘Instant Apply’ to log in to the site and proceed with filling in the application for the card.

    American Express Payback Credit Card FAQs:

    1. How can I redeem the Payback points at offline stores?

      You need to present your Payback credit card at the store and tell the customer service executive/salesperson to check the points balance. If you are eligible for redemption, you can instruct the store personnel to redeem the points on your purchase.

    2. How can I redeem the Payback points online?

      To redeem the Payback credit card online, you need to first register your card on the Payback website. When checking out at online stores, you can mention your Payback card number to redeem the available points.

    3. How long are Payback points valid?

      Payback points are valid for a period of 3 years from the time they are credited to your account.

    4. Does American Express Payback Credit Card have any travel benefits?

      Payback is partnered with MakeMyTrip, which means that every time you use your card on the site, you will get extra points apart from the usual 3 Payback points.

    5. What is the minimum amount for converting purchases into easy monthly installments?

      You can convert your purchases above Rs 5,000 into easy monthly installments with the help of the Pay-In-Parts facility offered with this card.

    6. Can you tell me more about the fuel surcharge waiver?

      When you use your card to refuel your vehicle at any of the HPCL petrol pumps in the country, you will get 100% waiver on fuel surcharge on transactions below Rs 25,000.

    7. How can I earn more PAYBACK reward points?

      You can boost the rate at which you earn reward points when you shop at any of the 40 PAYBACK reward partners such as Big Bazaar, Pantaloons, MakeMyTrip etc.

    8. What do I do if my card is stolen or lost?

      In case your card is lost or stolen, call the customer service team to get the card blocked.

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  • The American Express PAYBACK®Credit Card Reviews

    • American Express Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      I have used a credit card with Amex Bank and I am not happy with this bank. The charges are high and the offers are also not to my satisfaction. It has not been a good experience. The customer services is also average. There are no benefits at all on the card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 22, 2017
    • American Express Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      American express credit card is the best one because they are excellent in the communication. Though the card is costly there are a lot of reward points from which I can benefit off. It has been a hassle free experience till date.The offers provided are timely.They apply annual charges around 4000Rs in the card.I am a customer of American express corporation for just 6 to 7 months
      Was this review helpful? 0
      , surat
      Reviewed on Jun 19, 2017
    • American Express Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am using make my AMEX Platinum Credit card, I don't have good experience on my AMEX card. I am unable to use it at normal shops, they deny getting the card and I have told the guy who gave me this card clearly that I am not into travelling, so provide me with best card but still very bad experience. The credit limit what they had offered is 4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 18, 2017
    • American Express Credit Card
      "Overprice"
      0.5 1.0/5 "Really Bad"
      I have stopped to use the American express credit card because they are charging something as hidden charges, also they are making delay on sending the statement. I mean to say that their customer service is very poor. Annual charges were charges and they are not justify the charges to compensate it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 16, 2017
    • American Express Credit Card
      "Real express"
      0.5 5.0/5 "Blown Away!"
      I am using American express credit card and its the best one for me, also its a kind of life saver one. Response with the American express credit card and I would like to say that they are best in Industry. Credit limit value is good one and the processing charges are very much expensive one.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • American Express Credit Card
      "Good bank"
      0.5 5.0/5 "Blown Away!"
      American express credit card is the best one because of the good reward points and I can get everything by redeeming reward points. Credit limit is unlimited one with them and am using this card from the last five years of time. Reaching the customer service is really a toughest task, also part of the service is not up to the mark.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 16, 2017
    • American Express Credit Card
      "Complicated"
      0.5 2.0/5 "Expected more"
      American express credit card was the one , which I had opted before two years of time, also they used to keep on asking lot of documents, which were not really a fair one.I would like to suggest that they need to make the process in a simple and in an organized way.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • American Express Credit Card
      "Too good to use"
      0.5 5.0/5 "Blown Away!"
      I got American express gold card for past 2 years. The benefits like reward points, cash back offers and fuel surcharge waiver is available with this card. If I accumulate more than 18,000 reward points we can buy gold with those reward points. If I make 4 transactions in a months for Rs.1000. I will be getting 1000 points and If a refer any of my friend and he is also getting the same card I will be getting 8,000 reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 15, 2017
    • American Express Credit Card
      "Too good"
      0.5 5.0/5 "Blown Away!"
      The service which was offered on my American express corporate cards is extra ordinary, that is the reason I gave 5 rating for all the parameters . It always gives the excellent service to their customers. I can say it is a limitless card. I am happy using my Corporate Credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 15, 2017
    • American Express Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      AMEX credit card was not acceptable mostly to the Indian retailers but its widely acceptable overseas i.e., across the globe. Customer service is a similar one and the accessibility is the only constraint, therefore they need to expand their coverage.
      Was this review helpful? 0
      , aurangabad
      Reviewed on Jun 12, 2017
    • American Express Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      Though the credit card of Amex Bank is not accepted every where because they charge some percentage for everything,I hardly use this bank credit card I do get reward points but i aint sure how much it is,if it come to fee,it is 10000 per annum and Iam holding this account for more than four years..
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2017
    • American Express Credit Card
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I have applied for an credit card with American express, but they have rejected my application, saying that my salary not met their eligibility criteria. The rate of interest is nominal with this platinum card. The service rendered by American express was average.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2017
    • American Express Credit Card
      "Good rewards to fly"
      0.5 4.0/5 "Great!"
      I am getting a very good good value on the Jet privileges from the American express credit card as I am using it from the last six months of time. Customer service is pretty good with them , also the relationship managers were really working in a very good way.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2017
    • American Express Credit Card
      "Excellent communication"
      0.5 5.0/5 "Blown Away!"
      I bank with Amex Bank for a credit card and I am very happy with the customer services. They are excellent in the communication. Though the card is costly there are a lot of reward points from which I can benefit off. It has been a hassle free experience till date.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 07, 2017
    • American Express Credit Card
      "Good Credit card"
      0.5 4.0/5 "Great!"
      Its my corporate card, their interest rate is very less for the monthly usage and their foreign exchange value is also less. If goes to any out of station if I use my card for the transaction purpose, they charge very less. Their customer service and responsiveness is good and they gave me life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2017
    • American Express Credit Card
      "Excellent Card to use"
      0.5 5.0/5 "Blown Away!"
      The Amex corporate card is very good to use.The positive is that, they will not disturb the customers at any cost, they don't even give a call, even if we miss to pay the bill within the due date, they just send a text message and intimates the customer, which is really professional . I am happy with the credit limit which was offered by AMEX. The rate of interest is low, when compared with other cards. They did not deduct any hidden charges, they will deduct the money as per the promise what ever they have made. Overall I am satisfied with their service.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 03, 2017
    • American Express Credit Card
      "Okay "
      0.5 3.0/5 "Satisfactory"
      I dont really like American express credit card because of their annual charges, which are really huge and I have used it for three years of time. The line of credit and other aspects were really fine with AMEX expect for the charges levied..
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 02, 2017
    • American Express Credit Card
      "Good to Hold AMEX"
      0.5 5.0/5 "Blown Away!"
      I like AMEX credit card very much, they giving fast service and its give me good cash back if I reach certain level of transaction. They also waived off my annual charges. I am getting movie tickets every month with other exclusive credit card offers.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 31, 2017
    • American Express Credit Card
      "Outstanding"
      0.5 5.0/5 "Blown Away!"
      The credit card service provided was very good with AMEX.Its the best compared with any other bank.They are the best card which is easy for accessing anywhere in the world. And they have very good reward points and good discounts in fuel. And the credit limit is one lakh.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 30, 2017
    • American Express Credit Card
      "Very good card to use"
      0.5 2.5/5 "Just OK"
      The American express platinum Travel credit card is not used in all the places. I am using it for past 2 months. There are lot of benefits with this card, but then I don't use this card much. The benefits like travel expense and the airport lounge and the reward points are available with this card. The rate of interest is too high when compared with others. I would like to suggest that AMEX card must work everywhere.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
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