American Express or AmEx is a US-based multinational financial corporation and is known globally for its premium credit cards and charge cards. It is both, a card issuer and a credit card network as you can get cards issued by AmEx for which the payment is processed over its own network, and also cards issued by other financial institutions in partnership with the AmEx card network. The corporation forayed into the Indian credit card market in the year 1993 and very soon American Express Credit Cards became one of the most premium cards in the country. In 2018, AmEx accounted for 3% of the card market in terms of the number of cards issued and 10% of the market in terms of the total spending by the credit card customers. The numbers dropped to 2.4% and 4% respectively by 2021. As of December 2021, there are over 14 lakh outstanding American Express credit cards in India.
Being a card issuer as well as a credit card network, AmEx has become unique in its own way and hence provides its customers with some exclusive offers across different categories. In this article, we will make you understand which are the best AmEx Cards in different categories. Keep reading for more information:
List Of Best American Express Credit Cards In India
American Express doesn’t issue many credit cards like HDFC Bank or SBI Card, but all the cards issued by AmEx offer some great privileges over different categories. You can find the list of best AmEx Credit Cards, their detailed features & benefits, and other information below in this article:
1,00,000 Membership Rewards Points or Taj, SeleQtions, and Vivanta Hotels’ vouchers worth Rs. 45,000.
1 Membership Rewards Point on every Rs. 40, 3X Points on all international spends, and 5X Rewards Points on transactions via Reward Multiplier portal.
Rs. 60,000 (plus applicable taxes)
11,000 bonus Membership Rewards Points on realization of the joining fee, subject to a minimum expenditure of Rs. 30,000 within 90 days of card issuance.
1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.
Rs. 5,000 (plus applicable taxes)
Welcome benefit of 4,000 Bonus Membership Reward Points can be availed on payment of joining fee of Rs 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.
1 membership reward point for every Rs 50 spent excluding fuel transactions, Utility bill payments, insurance, and cash transactions
Rs 1,000 (plus applicable taxes)
Cashback of Rs. 500 on spends of Rs. 10,000 within 90 days of card issuance.
1 Membership Reward Point/Rs. 50 spent (with a few exceptions), accelerated Reward Points on Amazon and Flipkart (10X), Uber (10X) and on other merchants like Paytm, Swiggy, PVR, etc (5%).
Rs. 495 (plus applicable taxes)
AmEx Credit Cards Features and Benefits
AmEx offer different credit cards with several exclusive features and benefits over different categories, including reward programs, travel, movie & dining benefits, and many more. You can compare AmEx Cards on the basis of all the benefits offered by them and choose the one that suits your requirements. Following are the type of benefits that you can get if you are having an AmEx Credit Card:
Welcome Benefits: You get the welcome benefits when you join the card membership, i.e, when you get a credit card and the joining fee of it. The welcome benefit can be given to you in the form of bonus membership rewards, accelerated cash back, or gift vouchers, and it can be different for different AmEx cards.
Reward Points/Cashback: With AmEx Cards, you get rewarded in the form of Membership Rewards or cashback every time you spend using your credit card. However, the reward rate can be different on different cards and you can also get accelerated rewards on selected categories.
Milestone Benefits: Milestone Benefits are offered when the cardholders achieve a minimum spend threshold within a specific time period, which can be of a few months or an anniversary year.
Travel benefits: You also get exciting travel benefits with some of the top AmEx Credit Cards. Travel benefits can be in the form of complimentary airport lounge access, complimentary memberships to selected airlines/hotels, complimentary hotel/airline vouchers, exclusive discount offers over travel-related spends, and many more.
Movie & Dining Benefits: The movie and dining benefits offered by American Express Cards generally include discounts on dining/movies, complimentary memberships with dining benefits, free movie tickets, and many more.
Other Benefits: Other benefits offered by the AmEx cards include a 1% fuel surcharge waiver, spend-based waiver of the annual fee, insurance benefits over different categories, golf privileges, and a lot more.
Popular American Express Credit Cards
Refer to the following points for detailed features and benefits of the top AmEx Cards in India:
American Express Platinum Credit Card
AmEx Platinum credit card is the most premium card by AmEx. It is a Charge card, therefore there is no preset credit limit. The card comes with a hefty annual membership fee of Rs. 60,000 and earns you-
- 1 Membership Rewards Point per Rs. 40 spent using the card.
- 3X Membership Rewards Points on all spends outside India.
- 5X Membership RPs on purchasing from the Rewards Multiplier portal.
Being a premium card, it comes bundled with a plethora of travel, movie, dining, and insurance benefits including unlimited complimentary domestic and international airport lounge access, discounts offers on movie tickets and at partner restaurants, and personal air accident cover worth Rs. 5 crores, etc.
American Express Gold Credit Card
It is another Charge card offered by American Express. This card gives the choice to choose between the annual and the monthly membership plan. The membership fee of the Gold Card is Rs. 4,500 per annum or Rs. 375 per month, depending upon the plan you choose. The reward points benefits that you get with this card are as follows-
- 1 Membership Rewards Point for every Rs. 50 spent with the card.
- No Membership Reward Points are earned on insurance premium payments and on cash transactions.
- You also earn 1 Membership Rewards Points for every Rs. 50 spent on utilities and fuel. The Membership Rewards Points earned on utilities and fuel are capped at 10,000 and 5,000 Points respectively.
- You earn 5X Membership Rewards Points on every purchase through the Rewards Multiplier portal.
Apart from these benefits, you also get many other premium privileges including travel benefits, movie and dining benefits, golf benefits, etc with AmEx Gold Card.
American Express Platinum Reserve Credit Card
The Platinum Reserve card is another premium offering by AmEx. The membership fee of this card is Rs. 10,000 per annum (joining fee of Rs. 5,000) and it comes with a welcome gift of 11,000 Bonus Membership Rewards Points. The card earns you a flat 1 Membership Rewards Point per Rs. 50 spent using the card (except on fuel purchases and spends on utilities, insurance, and EMI transactions). Apart from the Membership Rewards Points, you get a plethora of other premium benefits including a 24×7 concierge service, golf privileges, complimentary domestic and international lounge access, personal air accident cover worth Rs. 1 crore, etc.
American Express Platinum Travel Credit Card
As the name suggests, it is a premium travel credit card by AmEx. This card earns you 1 Membership Rewards Point per Rs. 50 spent using the card and comes with a plethora of benefits including (limited) complimentary domestic airport lounge access, Priority Pass membership, discount on movie tickets, and dining benefits. Since it is a travel card, you get a Taj Stay voucher worth Rs. 10,000 as a special travel benefit on spending Rs. 4 lacs in the card’s membership year.
American Express Membership Rewards Credit Card
It is a mid-level card by AmEx and offers you a decent reward rate. The card comes with a welcome gift of 4,000 Membership Rewards points; you earn 1 Membership Rewards Points per Rs. 50 spent using the card. Apart from this you also get many milestone benefits and other benefits like zero liability protection, fuel surcharge waiver, etc.
American Express SmartEarn Credit Card
The SmartEarn card is an entry-level shopping credit card by AmEx. It comes with a nominal membership fee of Rs. 495 per annum and you get Rs. 500 cashback as a Welcome Benefit on eligible spends of Rs. 10,000 in the first 90 days of the card membership. Apart from this, you get the following Reward Points benefits with this card-
- 1 Membership Reward Point on every Rs. 50 spent using the card with the exception of spends on Fuel, Insurance, Utilities, Cash Transactions, and EMI conversion at POS.
- 10X Membership Rewards Points on Amazon and Flipkart (maximum 500 Points per month at the accelerated rate on Amazon and Flipkart combined).
- 10X Membership Rewards Points on Uber rides (max cap of 500 Points each month).
- 5X Membership RPs on Paytm wallet uploads, Swiggy, BookMyShow, Big Bazaar, PVR, Myntra, and many other merchants (max 250 Points/month at this rate).
- You can earn a maximum of 1,250 Membership Rewards Points in a month at an accelerated rate if you spend Rs. 2,500 on Amazon and Flipkart combined (500 Membership Rewards Points), Rs. 2,500 on Uber rides (500 Membership Rewards Points), and Rs. 2500 on 5X partner merchants like Paytm, Swiggy, etc (250 Membership Rewards Points).
AmEx Credit Cards Reward Points and Cashback Benefits
You earn Reward Points on AmEx cards as Membership Reward Points. The following table summarizes the reward point/cashback benefit that you get with the aforementioned cards –
|Credit Card||Reward Points / Cashback|
|American Express Platinum Credit Card||
1 Membership Rewards Point on every Rs. 40 spent using the card.
3X Points on all expenditures abroad.
|American Express Gold Credit Card||1 Membership Rewards Point for every Rs. 50 spent with the card.|
|American Express Platinum Reserve Credit Card||1 Membership Reward Point for every Rs. 50 spent with the card.|
|American Express Platinum Travel Credit Card||1 Membership Rewards Point for every Rs. 50 spent using the card.|
|American Express Membership Rewards Credit Card||1 membership reward point for every Rs 50 spent excluding fuel transactions, Utility bill payments, insurance, and cash transactions|
|American Express SmartEarn Credit Card||
1 Membership Reward Point/Rs. 50 spent (with a few exceptions),
accelerated Reward Points on Amazon and Flipkart (10X), Uber (10X) and on other merchants like Paytm, Swiggy, PVR, etc (5%).
Reward Multiplier is American Express’s proprietary portal on which you earn Membership Reward Points at an accelerated (2X to 5X) rate. You can purchase shopping vouchers from popular brands like Amazon, Flipkart, Myntra, etc; you can also buy products from third-party merchants including Apple, Lenovo, OnePlus, etc (you are redirected to the merchant’s page from the Reward Multiplier page when you click on the link). When you shop via Reward Multiplier, you earn-
- 5X Membership RPs on AmEx Platinum and Gold credit cards.
- 3X Membership Rewards Points of AmEx Platinum Reserve and Platinum Travel credit card.
- 2X Membership Rewards Points on AmEx Membership Rewards and SmartEarn credit cards.
As a limited period offer, you can earn 15 Membership Rewards Points per Rs. 100 spent with AmEx cards. You can read more about this offer here.
American Express Credit Cards Reward Redemption
The Membership Reward Points earned on AmEx cards can be redeemed against Instant Vouchers, hotel vouchers/gift cards, partner airlines’ AirMiles, or cash back (adjustment against the card’s statement). The monetary value of the Membership Rewards Points is between Rs. 0.25 and Rs. 0.50 depending upon the redemption category. The maximum redemption value of AmEx Membership Rewards Points is for redemption against Taj Stay Vouchers (1 MRP = Rs. 0.50).
Different AmEx Credit Cards charge different annual fee, which can be lower or higher on the basis of features & benefits of that particular card. Low annual fee Credit Cards are generally targeted at low-income individuals or people who are new to the world of credit cards, and high annual fee cards target high net worth individuals having a good prior experience of using credit cards:
|Credit Card||Joining Fee||Renewal Fee||Spends Based Waiver|
|American Express Platinum Credit Card||Rs. 60,000||Rs. 60,000||None|
|American Express Gold Credit Card||Rs. 1,000||Rs. 4,500||None|
|American Express Platinum Reserve Credit Card||Rs. 5,000||Rs. 10,000||None|
|American Express Platinum Travel Credit Card||Rs. 3,500||Rs. 5,000||None|
|American Express Membership Rewards Credit Card||Rs. 1,000||Rs. 4,500||
50% renewal fee waiver on annual spends between Rs. 90,000 and Rs. 1,49,999.
100% renewal fee waiver on annual spends Rs. 1,50,000 and above.
|American Express SmartEarn Credit Card||Rs, 495||Rs. 495||Annual fee waived on spends of Rs. 50,000 in the previous year.|
Other Fees & Charges
Other than the annual fee, credit cards have some additional fees and charges as well, including interest rates, cash advance fee (fee charges on withdrawing cash using a credit card, foreign currency markup fee (fee charged on making transactions in a different currency), late payment fee, over-limit fee, and a few more. Refer to the following table to understand some most important charges:
|Interest Rate||3.5% per month on all cards.|
|Cash Advance Charges||3.5% of the withdrawn amount subject to a minimum of Rs. 250.|
|Foreign Currency Markup Fee||3.5% of the transaction amount.|
For detailed fees and charges of AmEx Credit Cards, click here.
AmEx Credit Cards Eligibility Criteria
The basic eligibility criteria that the applicants need to fulfill in order to get an Amerian Express Credit Card are mentioned below:
- The age of the applicants should be a minimum of 18 years.
- The applicant should have a stable source of income, i.e, the applicant should either be salaried or self-employed.
- The applicant should have a decent credit score.
Check more details about the AmEx Credit Cards Eligibility Criteria.
You need to submit KYC documents including an ID proof (Aadhar Card, Voter Card, PAN Card, etc.), address proof (Aadhar Card, Voter Card, electricity/telephone bill, etc.), and proof of income like salary slips or audited ITR acknowledgment to the card issuer for your card application to be processed.
How To Apply For American Express Cards Online
To apply for an AmEx Credit Card, you need to visit the credit cards page on the official AmEx website and select the card you wish to apply for. Now a new page will open with details (features, benefits and fees, and charges) of the card you selected will open. On this page you can either directly apply for the card by clicking/tapping on the Apply Now option or you can also click/tap on Compare to compare the card against other AmEx cards and then decide to apply.
After you click/tap on Apply Now, a registration form opens which you need to fill out for your application to be processed. You will also need to provide a few documents like an ID proof (Aadhar Card, Voter Card, etc.), address proof (Aadhar Card, Voter Card, Passport, electricity/telephone bill), and proof of income (salary slip/ITR acknowledgment) to proceed with your application.
AmEx Credit Cards Application Status
If you have already applied for an American Express Card, you can track the status of your application either by visiting your nearest branch or by contacting AmEx Cards customer care via call/email. Just make sure to note down your application id at the time of applying for the card so that you can track your credit card application status easily.
AmEx is currently not issuing credit cards as RBI has barred the card issuer from onboarding new domestic card customers.
How To Activate AmEx Credit Cards?
After receiving a new American Express Credit Card, the first thing you need to do is to activate it. You can do the same online as well as offline at your convenience using any of the methods that are mentioned below:
- You can activate your AmEx Credit Card by logging in to your AmEx internet banking account and generation a new PIN under the Account Management tab.
- You can also do the same using the AmEx mobile banking app. Just log in to the app and click on the option ‘Manage Card PIN’ under the Account tab.
- Another way to activate your AmEx Credit Card is to contact your credit card customer care and follow the instruction given to you via IVRS (Interactive Voice Response System).
AmEx Credit Cards Login/Netbanking
The American Express Credit Cardholders can make several cards related tasks easier for them by registering for the internet banking services. Following are the steps that you need to follow to register your AmEx Credit Card for netbanking:
- Visit the American Express login page.
- Click on ‘Get Started’ and enter the required details of your credit card.
- Click on Confirm.
- Set your username and password and proceed further accordingly.
For more detailed information on AmEx Credit Cards netbaking/login, click here.
American Express Credit Cards Customer Care
Along with all the great credit card offerings, the American Express bank also provides its cardholders with great customer support. For any doubts/complaints regarding your AmEx Credit Cards, you can contact the AmEx Credit Card customer care as follows:
- To contact via call, you can dial this number – 1800-419-2122 (Toll-Free).
- To contact via email, you can use this email id – [email protected]
For more details about AmEx Credit Cards customer care, check this page.
AmEx Credit Cards For Travel
AmEx offers some credit cards with exciting travel benefits, including complimentary airport lounge access to domestic as well as international airports. Following are the American Express Cards that provide you with some world-class travel privileges:
AmEx Platinum Credit Card: The Platinum Credit Card is the most premium card offered by AmEx and hence comes with exclusive benefits over all the categories including travel. Following are the travel benefits offered with this card:
– Unlimited complimentary domestic lounge access.
– Complimentary international lounge access to over 1,600 Priority Pass & Delta lounges.
– 25% discount at Taj & Vivanta hotels.
– Exclusive deals & offers over some of the major airlines.
AmEx Platinum Reserve Card: The AmEx Platinum Reserve is also one of the finest cards offered by American Express. The following are the travel privileges that you get with this card:
– 12 complimentary domestic lounge access every year.
– Complimentary Priority Pass membership.
– Complimentary Taj Epicure membership.
AmEx Platinum Travel Credit Card: As suggested by its name, the AmEx Platinum Travel Card is targeted at individuals who love to travel. It offers several exciting travel benefits, which are as follows:
– 8 complimentary domestic lounge access every year.
– Complimentary Priority Pass membership.
– Taj stay vouchers worth up to Rs. 10k on achieving the spend milestone.
AmEx Credit Cards With No Annual Fee
AmEx doesn’t issue any lifetime free credit card as of now, you can have a low annual fee card from AmEx, which is the AmEx SmartEarn Card that comes with an annual fee of Rs. 495. This nominal annual fee can also be waived off just by spending Rs. 40,000 or more in the previous anniversary year.
American Express Rewards Credit Cards
All the AmEx Credit Cards earn you Reward Points on all your spends but the reward rate can be different on different cards and on different categories. Following are some of the AmEx Cards with the best Reward programs:
AmEx SmartEarn Credit Card: The SmartEarn Credit Card issued by AmEx is the most basic card, but comes with the best reward rate. It earns you 1 Membership Reward on every spend of Rs. 50 and up to 10x Rewards on selected spends, including Amazon, Flipkart, Uber, etc.
AmEx Platinum Credit Card: Being the most premium AmEx Card, the Platinum Card comes with a great reward rate. It earns you 1 membership reward on every spend of Rs. 40 and up to 5x Rewards on selected spends via the Rewards Multiplier portal.
AmEx Gold Card: The AmEx Gold Credit Card offers 1 Membership Reward Point on every retail spend of Rs. 50 as a basic reward rate and up to 5x Reward Points on the Rewards Multiplier portal.
Reward Multiplier is American Express’s portal where you can buy shopping vouchers from popular brands like Amazon, Flipkart, etc. You can also shop for products and gadgets from third party merchants’ websites. Once you select a particular merchant on the Reward Multiplier, you are redirected to the the merchant’s website.
You earn 5X Membership Rewards Points on AmEx Platinum and Gold credit cards, 3X Membership Rewards Points of AmEx Platinum Reserve and Platinum Travel credit cards and 2X Membership Rewards Points on AmEx Memberhip Rewards and SmartEarn credit cards. You can earn a maximum of 25K Bonus Membership Rewards Points via Reward Multiplier.
AmEx Reward Points never expire.
AmEx cards are available only in Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru subject to conditions.
You can redeem the Membership Rewards Points on various categories of spends including travel, travel, electronics, INSTA Vouchers, etc. YOu can also use the Membership Rewards Points to pay your card bill under the Pay with Points program.
No, American Express is currently not onboarding new customers owing to the temporary moratorium imposed by RBI.
AmEx has a dedicated helpline for each o their credit cards. The helpline numbers for the various AmEx cards are listed below. In case you need any assistance or to report the loss of card, you may contact the following helpline numbers.