American Express is the leading issuer of credit cards. For granting credit cards, the issuer scrutinizes the credit history of the applicant and so does American Express. After getting a credit card, the bill payment becomes the most important factor when it comes to building a good credit score. American Express provides you 6 channels to pay your American Express Credit Card Bill on time.
Methods to pay American Express Credit Card bills Online
American Express card issuer provides you 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 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 transfer you need to visit your bank and provide the following details for registering your credit card as a Payee.
|Payee Name||American Express|
|Payee Account number||37XXXXXXXXXXXXX|
|Bank Name||Standard Chartered Bank|
|Payee Account Type||Current|
|Branch Name||Standard Chartered Bank, Narain Manzil. 23 Barakhamba Road, New Delhi 110001|
Step 2: On providing the following details you can submit the payment amount to the bank in favor of your credit card for the NEFT fund transfer.
Note: 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 UPI?
You can simply 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;
|American Express UPI VPA||AEBC37XXXXXXXXXXXXX@SC|
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 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.
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 upon 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 twice, mobile number, and email id. 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 Charge Card – Direct enrollment Form and 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’.
Corporate Cardmembers can also avail themselves of the Direct Debit services by enrolling their card. You need to download the Corporate Card – Direct Debit Enrolment form and fill in the required details carefully. After filing the form send it to the address: ‘American Express Banking Corp., Cyber City, Tower C, DLF City, Phase-II, Gurgaon – 122002’.
Methods to pay American Express credit card bills Offline
You get 2 offline modes of payment with the American Express Credit Card which you can opt for. Read on to know more about the Courier and Drop Box services.
How to pay an American Express credit card bill through Courier?
You can also clear your American Express Credit Card dues by drawing a cheque/draft in favor of “XYZ Card No. 37XXXXXXXXXXXXX” and send it to the American Express Office address: ‘Address Express Banking Corp., Cyber City, Tower C, 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.
The American Express card issuer provides both online and offline modes of payment. 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.
The IFSC Code is a unique 11-digit number used for transferring funds from one bank to another. For American Express Credit Card, the IFSC Code is SCBL0036020.
It is very rare that you will be charged any late payment fee but it is advisable to pay your credit card bill four days prior to the due date.
American Express also accepts payments through RuPay Debit Card, BHIM-UPI, UPI QR Code.
It takes around 5 business days for the online enrollment process, however, for the offline enrollment process it will take around 3-4 weeks for the Direct Debit enrollment.