American Express Credit Card Bill Payment

American Express is one of the leading credit card issuers in India. American Express credit cards are known for their rewarding deals and offers, along with the excellent reward point system.

After getting a credit card, the bill payment becomes the most important factor when it comes to building a good credit score. One should never miss a credit card bill payment as it would affect your credit score while also charging you interest on the missed payments. You can pay your Amex Credit Card bill through various offline and online methods. While online methods are the most convenient and popular, we have mentioned all the available options to cater to different kinds of users.

Methods to Pay American Express Credit Card Bills Online

American Express card issuer provides you with four online methods through which you can clear the outstanding amount of your Amex credit card.

How to Pay an American Express Credit Card Bill Using UPI?

You can make the credit card bill payment using the UPI mode of payment. You just need to log in through a UPI-enabled third-party app like BHIM-UPI. Make the payment before 5 pm for 1-day credit to your American Express Card. Here is the UPI Virtual Payment Address (VPA) of American Express;


How to Pay an American Express Credit Card Bill Using NEFT?

One of the online modes of American Express Credit Card bill payment is the National Electronic Funds Transfer (NEFT). You can clear your Amex credit card dues using this method. Here are the steps you can follow for the NEFT fund transfer;

Step 1: For NEFT fund transfers, you need to visit your bank and provide the following details for registering your credit card as a Payee.

Step 2: After providing the following details, you can submit the payment amount to the bank in favor of your credit card for the NEFT fund transfer.

Payee Name American Express
Payee Account number 37XXXXXXXXXXXXX
Bank Name Standard Chartered Bank
Payee Account Type Current
IFSC Code SCBL0036020
Branch Name Standard Chartered Bank, Narain Manzil. 23 Barakhamba Road, New Delhi 110001

If you are making the payment using Standard Chartered Online Banking, then you do not require the IFSC Code. You can select the “Transfer to another SCB bank account” option to make the payment.

How to Pay an American Express Credit Card Bill Using Online Payment?

You can easily pay your American Express Card Bill by simply using the Amex Card Billdesk interface from anywhere and anytime at your convenience. Steps to follow to pay your American Express Credit Card Bill:

Step 1: Go to the Amex Card BillDesk website.
Step 2: Provide your card details like American Express Card number twice, Mobile number, email ID, and payment amount.
Step 3: Now select your Bank account and click on ‘Proceed to Pay’.
Step 4: Confirm your payment, and you will receive the online confirmation for the same.

Your payment will be credited to your American Express Card account within 1-2 business days, subject to processing by your bank. 

How to Pay an American Express Credit Card Bill Using Direct Debit/NACH?

Another payment method that you can opt for is Direct Debit/NACH. To avail of this service, you need to download the required form depending on how you would like to enroll in your American Express Credit Card.

For Online Enrollment: You need to visit the e-Mandate Debit Enrollment webpage and enter your American Express Card number, mobile number, and email ID twice. After entering all the details, click on ‘Submit’.

For Paper-Based Enrollment: Choose a form based on the type of American Express Card you own and download it from online links. You can either download the Charge Card – Direct Enrollment Form or Credit Card – Direct Debit enrollment form and carefully fill in all the details. After completing the form, send it to the address: ‘American Express Banking Corp., Cyber City, Tower C, DLF City, Phase-II, Gurgaon- 122002’.

Your enrollment will be complete within 3-4 weeks.

Corporate card members can also avail themselves of Direct Debit services by enrolling their card. You need to download the Corporate Card – Direct Debit Enrolment form and carefully fill in the required details.

American Express App

You can also pay your American Express Credit Card via the AMEX app. This is considered to be one of the safest and easiest methods to clear your dues and you shall receive timely reminders on card bill payments. Call 7043337788 to receive the link from where you can download the app.

Methods to Pay American Express Credit Card Bills Offline

You get two offline modes of payment for American Express Credit Card, which you can opt for. Read on to learn more about the Courier and Drop Box services.

How to Pay an American Express Credit Card Bill Through Courier?

You can clear your American Express Credit Card dues by drawing a cheque/draft in favor of “XYZ Card No. 37XXXXXXXXXXXXX” and sending it to American Express Banking Corp. Cyber City, Tower ‘C’, DLF Building No. 8, Sector 25, DLF City Phase II, Gurgaon-122002, Haryana.

How to Pay an American Express Credit Card Bill Using Drop Boxes?

Another offline method you can go for is the DropBox. Go to the nearest DropBox and drop your cheque/draft in favor of ‘XYZ Card No. 37XXXXXXXXXXXXX’. Kindly drop your draft/cheque in Dropbox 4 days prior to the bill due date.

Please note that payment shall only reflect once American Express has confirmed funds with your respective bank. To avoid missed payments and late charges, make the payment beforehand (2-3 days before the due date) if you choose this method.

Few Things to Keep in Mind for AMEX Credit Card Bill Payments

  • Payments to the Card account can only be made from a bank account in the primary Card Member’s name.
  • Payments to an Indian-issued American Express Card held by a non-resident must be made through an NRE/NRO account in the primary card member’s name.
  • American Express is not required to process or guarantee payments made by a Card Member through a payment aggregator not listed on the American Express website or App.

Bottom Line

American Express is a popular card issuer in India, offering some of the best luxury and entry-level credit cards. With this international card issuer, you can pay your bills both online and offline.

The fastest and the most convenient way to pay your American credit card bill is the UPI method. Use third-party payment apps to clear your credit card dues on time. Other methods that can be more useful are online payment and the direct debit service. In direct debit service, the bill amount will be deducted every month, and you can be free from keeping due date reminders for every month. Clear your dues on time, as it will have a good impact on your credit card history.

Scroll to Top