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Joining Fee

Rs 1,000 (plus applicable taxes)

Joining Fee

Rs. 495 (plus applicable taxes)

Welcome Benefits

Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the joining fee of Rs. 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.

Welcome Benefits

Cashback of Rs. 500 on spends of Rs. 10,000 within 90 days of card issuance.

Rewards Rate

1 membership reward point per Rs 50 spent excluding fuel transactions, Utility bill payments, insurance, and cash transactions

Rewards Rate

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%).

Movie & Dining

Get special dining discounts up to 20% off using your American Express Reward credit card at select restaurants

Movie & Dining

5X Membership Rewards Points on spends on BookMyShow and PVR Cinemas.

Reward Redemption

You can redeem the membership reward points accrued with American Express 18 and 24 Karat Gold Collection

Reward Redemption

Can be redeemed against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.

Travel

N/A

Travel

10X Reward Points on spends on Uber (max cap of 500 Points)

Golf

N/A

Golf

N/A

Domestic Lounge

N/A

Domestic Lounge

N/A

International Lounge

N/A

International Lounge

N/A

Insurance Benefits

N/A

Insurance Benefits

Zero cost liability if loss of card reported within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.

Zero Liability Protection

You get liability protection assurance such as zero lost card assurance, 24×7 card assistance, emergency card replacement, Dispute resolution

Zero Liability Protection

Zero cost liability on reporting the loss of card within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.

Joining Fees

Rs 1,000 (plus applicable taxes)

Joining Fees

Rs. 495 (plus applicable taxes)

Renewal Fee

Rs 4,500 (plus applicable taxes)

Renewal Fee

Rs. 495 (plus applicable taxes)

Spend based Waiver

A spend-based waiver on a renewal fee of Rs 4,500 on annual spending of Rs 1,50,000. Get 50 percent waiver on the renewal fee on annual spending between Rs 90,000 to 1,49,999

Spend based Waiver

Annual renewal fee waived on spends of Rs. 40,000 in the previous year.

Rewards Redemption Fee

Rs 250 per redemption request

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% on the conversion amount

Foreign Currency Markup

3.50% on international transactions

Interest Rates

3.5% per month

Interest Rates

3.5% per month

Fuel Surcharge

You get 0%waiver on fuel convenience fee at HPCL fuel stations on fuel transactions below Rs 5,000. You get a 1% waiver on the fuel convenience fee at all fuel stations across India.

Fuel Surcharge

1% fuel surcharge waiver at HPCL fuel stations on transactions exceeding Rs. 5,000.

Cash Advance Charge

2.5% of the amount withdrawn subject to a minimum amount of Rs 250

Cash Advance Charge

3.5%, subject to a minimum amount of Rs. 250

Add-on Card Fee

Rs 1,500 (plus applicable taxes)

Add-on Card Fee

1 complimentary add-on card, Rs. 250/card thereafter.