Amex Credit Card IFSC Code

All credit card IFSC codes are primarily used to pay the monthly outstanding bills using electronic fund transfer methods such as National Electronic Funds Transfer (NEFT).  

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The Reserve Bank of India (RBI) is responsible for assigning this key to all banks. Indian Financial System Code, also known as IFSC, constitutes 11 unique characters, both numericals and alphabets.

The American Express or Amex credit card IFSC code is SCBL0036020. The main advantage of this method of paying bills is that it is quick, fast and you need not have a savings bank account with the credit card issuing bank.

As of now Amex credit card bill payments in India are processed by Standard Chartered Bank. So, those who have an account with the bank need not use the IFSC code to process payments. Standard Chartered account holders can choose the option to transfer funds to another SCB bank account for credit card bill payments.

How to Find Amex Credit Card IFSC Code Online

You can easily find the Amex Credit Card IFSC Code through the following sources:

  1. Amex Official Website – Visit the payments section
  2. Credit Card Statement – IFSC code is often mentioned
  3. RBI Website – Search for American Express IFSC
  4. Net Banking Platforms – Auto-filled when adding payee
  5. Customer Support – Call Amex helpline to confirm

Standard IFSC Code: AMEX0000001

Bank: American Express Banking Corp, Delhi

Step-by-Step Process to Pay Amex Credit Card Bill via NEFT

Pay your Amex Credit Card bill via NEFT from any bank using these steps:

  • Log in to your bank’s net banking
  • Add Beneficiary: Name: As per Amex card A/C No.: 15-digit Amex credit card number IFSC: AMEX0000001 Bank: American Express Banking Corp, Delhi
    • Name: As per Amex card
    • A/C No.: 15-digit Amex credit card number
    • IFSC: AMEX0000001
    • Bank: American Express Banking Corp, Delhi
  • Wait for Activation (if needed)
  • Transfer Funds via NEFT
  • Timing: Payments before 4 PM are processed the next working day

Uses & Benefits of Amex Credit Card IFSC Code

  1. Non savings bank account holders will also be able to pay bills using this method.
  2. Faster process.
  3. Bills can be paid towards any credit card using any savings account.
  4. Eliminates the chances of error.
  5. Safe and reliable method.

How to Pay Credit Card Bill Using IFSC Code

There is no need to go through the whole cumbersome process involved in making credit card bill payments. All bill settlements can be made using NEFT, after registering the card as a beneficiary.

Listed below is the step-by-step process involved in paying bills through National Electronic Funds Transfer:

  • Log in to your bank's net banking facility by providing your credentials
  • Register the credit card as a beneficiary
  • Go to the funds transfer option, choose NEFT

To register the credit card as a beneficiary, take a look at the details below:

  1. Name of beneficiary/payee: American Express
  2. Account number: The 16-digit credit card number
  3. IFSC Code: SCBL0036020.

FAQs on Amex Credit Card IFSC Code

  • What is the time duration for funds to be credited to the credit card account?

    In case of American Express, if the payment process has been initiated before 4.00 p.m., the payment will be credited the next day.

  • Can I use the same IFSC code for all Amex branches?

    Yes, American Express uses a centralized IFSC code for credit card payments:

    AMEX0000001

    Since Amex operates under a limited banking license in India, it does not have multiple branch-specific IFSC codes. All NEFT payments to Amex credit cards are routed through its Delhi branch. You can safely use this code for any Amex credit card NEFT transaction.

  • Can an account holder initiate NEFT payment transactions on holidays and weekends?

    Transactions for the payment of credit card bill can be initiated at any time and any day. However, the settlement process will only happen in certain batches within a cut-off period.

  • Is IFSC required for credit card payment through NEFT?

    Yes, this code is mandatory.

  • What happens if an incorrect IFSC code is entered?

    In such an instance, it is best for the remitter to contact the customer care centre.

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