Can I Have Multiple American Express Credit Cards in India?

American Express is a name that is associated with elegance and luxury. AmEx credit cards in India are considered prestigious and desirable by many. While some strive to get even a single American Express Card, others hold more than one. However, does this mean that anyone can have multiple American Express Credit Cards at once? Can I have both a Gold and a Platinum Charge Card from AmEx? The short answer is no. While it’s true that each user can have more than one American Express Credit Card, there are limitations to this. Those who already have an American Express credit card may find it easier to get a second card.

Each American Express credit cardholder can hold two credit cards and one charge card at the same time. This allows users to enjoy the full benefits offered by multiple American Express cards. It’s well-known that users often keep the AmEx Platinum Travel, AmEx Gold Charge, and AmEx Membership Rewards Cards to optimize their spending fully. This combination of cards is known as the American Express Trifecta.

For beginners and enthusiasts who are already in the Membership Rewards Game, here are some of the brief benefits of the three main American Express Credit Cards each one of us should have.

American Express Gold Charge Card

The American Express Gold Charge Card in India is a sub-premium charge card with no pre-set spending limit, offering flexible credit based on the cardholder’s financial profile. With a joining fee of Rs. 1,000 + GST and a renewal fee of Rs. 4,500 + GST, it is ideal for those who enjoy travel and shopping. The card provides 1 Membership Rewards Point per Rs. 50 spent and 5X points on select purchases through AmEx’s Rewards Multiplier Portal. Cardholders also benefit from various discounts on dining, travel, and fuel, making it a compelling choice for frequent travelers and diners.

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American Express Membership Rewards Credit Card

The American Express Membership Rewards® Credit Card offers solid rewards with 1 Membership Reward Point per ₹50 spent, excluding certain categories like fuel and utilities. With a joining fee of ₹1,000 and a renewal fee of ₹4,500, which can be waived on spending ₹1,50,000 annually, this card provides a welcome bonus of 4,000 points upon spending ₹15,000 in the first 90 days. Monthly milestone rewards and various redemption options make it a good choice for regular shoppers, though frequent travelers might prefer more premium cards.

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American Express Platinum Travel Credit Card

The American Express Platinum Travel Credit Card is ideal for frequent travelers. It offers 10,000 Membership Rewards Points as a welcome benefit and significant milestone rewards like Taj Stay Vouchers and bonus points on spending ₹1.9 lakh and ₹4 lakh annually. Eight complimentary domestic lounge visits per year and a Priority Pass membership for international travel enhance travel experiences. Although the annual fee is ₹5,000, the card provides value through its rewards and benefits, making it suitable for those who prioritize travel perks over direct reward rates.

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Bottom Line

Having more than one American Express Credit Card shall allow the user to get the most out of them for each and every spend they make, including fuel. For example, if you have the Membership Rewards Credit Card, consider getting the Gold Charge Credit Card. Similarly, if you have the Gold Charge Card, it’s a good idea to have the Membership Rewards Credit Card as well. This way, you can fully benefit from both cards. The Membership Rewards Credit Card offers milestone benefits on spends of ₹20,000 and above, while the Gold Charge Card offers 5X Points on Rewards Multiplier and rewards for fuel and utility spends.