Reward Rates:

  • 4.50%

    Earn upto 9 Reward Points on travel bookings at American Express Travel Online.

  • 0.50%

    Earn 2 Membership Rewards Point on each Rs. 100 spend.

Introductry Benefits
Rs. 1000/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 4500/-
Annual Rewards
Rs. 0/-

Monthly Bonus Reward Points

Earn Reward Points worth Rs. 250 on completing 6 transactions worth Rs. 1000 each month.

Complimentary Travel Benefits

Get free benefits like room upgrade and hotel credit at selected hotels.

Reward Rates:

  • 1.25%

    Earn 5 PAYBACK Points against MakeMyTrip transactions.

  • 0.50%

    Earn 2 PAYBACK Points against all other purchases.

Introductry Benefits
Rs. 2000/-
Joining Fee
Rs. 750/-
Annual Fee
Rs. 1500/-
Annual Rewards
Rs. 0/-

Discount on Travel

Save 5% on travel bookings through MakeMyTrip

Discount on Hotel Bookings

Save up to 70% on hotel bookings through MakeMyTrip.com

Reward Rates:

  • 0.50%

    Earn 1 Membership Rewards Point on each Rs. 50 spend.

Introductry Benefits
Rs. 1000/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 4500/-
Annual Rewards
Rs. 0/-

Monthly Bonus Reward Points

Earn Bonus Points worth Rs. 250 on completing 4 transactions worth Rs. 1000 each, every month.

Save on Dining

Get upto 20% discount on dining at partner restaurants.

Reward Rates:

  • 0.50%

    Earn 2 PAYBACK Points on each Rs. 100 spend.

Introductry Benefits
Rs. 750/-
Joining Fee
Rs. 750/-
Annual Fee
Rs. 1500/-
Annual Rewards
Rs. 0/-

Save on Dining

Get upto 20% discount on dining at partner restaurants.

Reward Rates:

  • 1.89%

    Earn 3 Points on each Rs. 40 spent on international transactions.

  • 0.63%

    Earn 1 Point on each Rs. 40 spent on regular transactions

Introductry Benefits
Rs. 40000/-
Joining Fee
Rs. 60000/-
Annual Fee
Rs. 60000/-
Annual Rewards
Rs. 0/-

Complimentary Membership to Premium Hotels

Get complimentary membership to premium partner hotels like Taj, Marriott and Hilton.

Complimentary Dining Privileges

Get free membership to EazyDiner Prime, Club ITC Culinaire and Taj Epicure dining programmes.

Reward Rates:

  • 5.00%

    Earn upto 20 Reward Points with EXTRA Membership Rewards partner brands.

  • 0.50%

    Earn 2 Membership Rewards Point on each Rs. 100 spend.

Introductry Benefits
Rs. 2750/-
Joining Fee
Rs. 5000/-
Annual Fee
Rs. 10000/-
Annual Rewards
Rs. 0/-

Complimentary Membership to Premium Hotels

Get free membership to lodging and elite tiers of Taj Hotels and Preferred Hotel Group

Reward Rates:

  • 2.50%

    Earn 5 Reward Points on grocery shopping at Grofers.

  • 0.50%

    Earn 1 Reward Point on each Rs. 50 spend.

Introductry Benefits
Rs. 4000/-
Joining Fee
Rs. 3500/-
Annual Fee
Rs. 5000/-
Annual Rewards
Rs. 0/-

Discount on MakeMyTrip

Get discount upto Rs. 15,000 on MakaMyTrip against international flights.

American Express is known for its customer service and generous rewards. Amex has a card for every lifestyle if you are a jetsetter hopping on one plan to the other or you love shopping they have a card for you but you might not be able to use it, since Amex isn’t accepted anywhere. If you are someone who doesn’t like to keep cash in wallet and carry only one card, then Amex isn’t for you, it’s not accepted at many restaurants, fuel stations. It’s getting better but it’s still far from being accepted everywhere. But if that isn’t a deterrent for you look no further, you are going to love your Amex.

Top Picks


Best For Card Name
Fuel No Particular card that’s perfect for fuel
Travel Jet Airways American Express Platinum Credit Card
Family American Express Membership Rewards Credit Card
Premium American Express Platinum Card
Frequent Spenders No Particular card that’s perfect for frequent spenders.

Best American Express Lifestyle Card: American Express Platinum Card


Benefits

AMEX Platinum Card comes with various premium lifestyle benefits such as access to premium lounges in India and overseas, complimentary memberships to popular hotels, access to golf courses across the country, premium travel and dining benefits. Being it a charge card, gives you relaxation from annual interest rates applicable on card usually.

You earn 1 Membership Rewards Point for every Rs. 40 spent on your purchases except fuel, insurance, utility bills and cash transactions.You also earn 5 Membership Rewards Points on every Rs. 40 spent on Grocery purchases from Grofers under EXTRA Rewards Partners programme.

Drawbacks

The card comes with a very high annual fee equal to Rs. 60,000

Bottom Line

AMEX Platinum Card is for elite credit cardholders, who spends a huge amount on luxury and lifestyle privileges monthly.

Best American Express Cards for Family: American Express Membership Rewards Credit Card


Benefits

AMEX Membership Rewards Credit Card is rich in terms of Joining Benefits. You get 1000 Reward Points worth Rs. 250 in exchange of 4 transactions of Rs.1000 each, every month. Apart from it, 4000 Reward Points worth Rs. 1000 on Joining and 5000 Reward Points worth Rs. 1250 on First Year Card Renewal. Additionally, other benefits like 20% Discount on Dining and Upto Rs.5,000 Travel Booking offers makes AMEX Membership Rewards Card a good run for your money for the first year.

Drawbacks

Aside from the benefits and low annual charges, High-end Eligibility Criteria makes it difficult to consider the card an easy choice. You must have a Personal Annual Income of Rs. 6 Lacs or Above to be able to own the card. Apart from it, Renewal Charges are quite high in exchange of the rewards you get in the Second and subsequent years.

Bottom Line

The card proves to be a good choice in the first year, but can become a headache after first year if you can’t get past the renewal charges.

Best American Express Cards for Travel: Jet Airways American Express Platinum Credit Card


Benefits

Jet Airways American Express Platinum Card is a best choice AMEX offers in travel credit card category. The card comes with welcome benefit of 10,000 JPMiles worth Rs. 5,000 and a complementary One-way base fare waived Jet Airways ticket on paying a joining fee of Rs. 5,000. Apart from it, you earn 8 JPMiles on every Rs. 150 spent on retail transactions except for fuel, insurance, utilities and cash transactions. Also, you earn 16 JPMiles on every Rs. 150 spent on booking revenue tickets on Jetairways.com. Additionally, you get a chance to earn up to 20 JPMiles on every Rs. 100 spent at EXTRA JPMiles Partner Carzoneren Travel

Drawbacks

Card becomes slightly heavy on your pocket from 2nd and subsequent years because of the renewal fee of Rs. 10,000 while you only get 5,000 Renewal Bonus JPMiles worth Rs. 2,500 along with a complementary One-way base fare waived Jet Airways ticket.

Bottom Line

Card proves to be a great choice in the first year; though, it could be a trouble from 2nd and subsequent years if you doesn't fly through Jet Airways flights or shop at EXTRA JPMiles Partners.

American Express Credit Card Eligibility


Eligibility Criteria
Age 18 to 70 Years
Income Rs. 4.5 Lacs per annum
  • Must have a Personal Annual Income of Rs.4.5 Lacs to own an AMEX Card.
  • If Self-Employed, your company has been trading for more than 12 months.
  • Should have a good credit history and no payment defaults.
  • Must be over 18 years or older.
  • Must have a permanent residential address in India.
  • Must have an Indian or multinational bank’s savings or current account in India.
  • Must not have filed for bankruptcy in the past 7 years.

American Express Credit Card Documentation


  • Recent passport size photograph
  • Permanent Account Number (PAN)

One Single Proof for Identity And Address:

  • Be it a Driving License, Passport Copy, Voter's ID Card or Aadhar Card (UIDAI).

Separate Proof for Identity And Address:

  • PAN / Marriage Certificate (In the event of change of name of the applicant due to marriage or otherwise, a marriage certificate issued by a State Government/Gazette Notification will be acceptable to evidence the changed name).
  • A declaration by a close relative e.g. husband, wife, son, daughter and parents, etc. of the prospect.

In Certain cases, given below documents are acceptable for Address Proof:

  • Utility bill which is not more than two months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill).
  • Property or Municipal tax receipt
  • Bank account or Post Office savings bank account statement.
  • Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they contain the address
  • Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official accommodation.
  • Documents issued by Government departments of foreign jurisdiction and letter issued by Foreign Embassy or Mission in India.

American Express Credit Card Bill Payment


American Express Card Services offers various methods to its credit cardholders to pay amex credit card bills on time. These methods include both online as well as offline methods, as mentioned below.

Paying Your AMEX Credit Card Bill Payment using NEFT:

  • Login to your Internet Banking Service of your bank account.
  • Enter “American Express Card” in the Payee Name.
  • Enter Your American Express 15 Digit Credit Card number in Payee Account Number.
  • Enter “Standard Chartered Bank” in place of the bank name.
  • Choose “Current Account” in Payee Account Type.
  • Enter IFSC Code “SCBL0036020” in IFSC Code area (In case you are making a payment via Standard Chartered Online Banking, the IFSC code is not required. You may simply select the option 'Transfer to another SCB bank account' to process the payment).
  • Enter your Bank Branch Address.
  • Choose “American Express Card” in Payneed Name field when paying through NEFT.

Note: Initiate your funds transfer before 4 PM for next day credit to your American Express Card excluding Sunday and Banking Holidays.

Paying Your AMEX Credit Card Bill Payment using BillDesk:

  • Click here to go the American Express Credit Card Billdesk.
  • Enter your 15 Digit AMEX Credit Card Number in front of “AMERICAN EXPRESS CARD NO.”
  • Enter the amount in Indian Rupees in front of “PAYMENT AMOUNT (Rs.)”.
  • Choose your Bank Account from the drop-down menu from which you want to pay the bill.
  • Click on “Process To Pay”.
  • Confirm the payment amount and you’ll get a “SUCCESS” message on payment acknowledgement screen if payment is successful.
  • In case you do not get a Transaction "SUCCESS" message and the amount gets debited from your Bank Account, kindly check the payment status after 1-2 business days by logging onto your American Express Card Account online.

Paying Your AMEX Credit Card Bill Payment using Recurring Direct Debit/NACH:

  • Enrol for Direct Debit by filling out the American Express NACH Enrollment Form.
  • Once you have successfully enroll for American Express NACH services, each month American Express will deduct the total amount due or minimum due (as specified in the enrolment form) from your nominated account via the National Payment Corporation Of India's National Automated Clearing House.

How To Apply for an American Express Credit Card?


  • You can choose a suitable American Express Credit Card above.
  • Fill the Online Application Form. It will only take 10 minutes. You’ll be asked to provide the details for your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will then receive confirmation that AMEX have received your application.
  • You will need to send your documents to AMEX to prove your legal status and identity.

Note: Application processing typically takes 2-3 weeks from submission. You will be notified directly upon approval or denial of your Credit Card application.

Credit Card
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2019-07-05

Biakropuia

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