American Express Credit Cards in India come with exclusive rewards, premium benefits, and diverse spending options to enhance your lifestyle. Cardholders can earn Membership Rewards points on purchases, which are redeemable for travel, shopping, and more.
Popular cards like the Amex SmartEarn Credit Card boost rewards on everyday spending, while the Platinum Travel Credit Card offers travel perks and lounge access. To apply, you need to meet eligibility criteria which vary based on the card type.
Hence, it is important to keep reading till the end of this page to understand the key aspects of the American Express Credit Card.
American Express credit cards offer rewards points on spending, travel and dining deals, airport lounge access, and strong fraud protection. Some cards also include cashback, vouchers, and concierge services.
Top American Express Credit Cards in India
There are several categories of American Express Cards, such as Rewards Credit Cards, Travel Credit Cards, and Premium Credit Cards. Here are the top American Express Credit Cards available:
| Credit Card Type | Suitable For | Top Feature |
|---|---|---|
| American Express Platinum Card | Luxury seekers and global travelers | Welcome Gift up to ₹60,000 |
| American Express Platinum Reserve Credit Card | Lifestyle enthusiasts | Welcome Gift of 11,000 Bonus Membership Rewards Points |
| American Express SmartEarn Credit Card | Online shoppers and first-time card users | Up to ₹500 cashback as a Welcome Gift |
| American Express Membership Rewards Credit Card | Everyday spenders looking for reward value | Welcome Gift of 4000 Bonus Membership Reward Points |
| American Express Gold Card | High spenders who prefer exclusive rewards | Welcome Gift of 4000 Bonus Membership Rewards Points |
| American Express Platinum Travel Credit Card | Frequent domestic travelers | Welcome Gift of 10,000 Membership Rewards points |
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Eligibility for American Express Credit Cards
Although the exact eligibility criteria vary based on the card type, here are some of the general requirements to qualify for the Amex Credit Card are as follows:
- The applicant must be an Indian citizen and have a permanent address.
- The applicant must be 18 years of age or older.
- The applicant must have a good credit score.
- The applicant must have an Indian or multinational savings or current account in India.
- The applicant must not have declared bankruptcy within the past 7 years.
How to Apply for an Amex Credit Card
Here are the steps to follow for your American Express credit card application:
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- Visit the official website of ‘American Express Credit Card.’
- Click on ‘Credit Cards’ from the ‘Cards’ section in the menu.
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- Scroll down and under ‘American Express Credit Card’ comparison, click on ‘explore our full range of credit cards.’
- Pick the card of your choice and click on the ‘Apply Now’ button.
- Enter your personal information, such as Name, Date of Birth, Address, and so on.
- Fill in your bank details.
- Click on ‘Submit.’
Once the bank receives your application, you will be asked to submit documents such as your legal status and identity.
Also read: Best international credit cards
Charges & Benefits of Amex Credit Cards
The table below provides insight into the American Express Cards and their respective charges:
| Credit Card Type | Annual Fee (₹) |
|---|---|
| American Express Platinum Card | 66,000 + taxes |
| American Express SmartEarn Credit Card | ₹495 + taxes |
| American Express Membership Rewards Credit Card | ₹1000 + taxes (first year) ₹4500 + taxes (from second year onwards) |
| American Express Platinum Reserve Credit Card | ₹10,000 + taxes |
| American Express Gold Card | ₹1000 + taxes (first year) ₹4500 + taxes (from second year) |
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Amex Credit Cards do not have pre-set daily transaction limits. Moreover, the amount you can spend is based on your credit history, which gives you a flexible spending experience.
Now, let’s look at the key benefits of each of these Amex Credit Cards:
American Express Platinum Card:
- Welcome Gift up to ₹60,000
- Travel & Lifestyle Concierge Services
- Renewal Benefit Voucher
- Access to over 1400 lounges globally
- Air Accident Insurance
- Overseas Medical Insurance
- Purchase Protection
- Hotel stay benefits worth up to ₹44,300
American Express Platinum Reserve Credit Card:
- Complimentary international & domestic airport lounges across India.
- Complimentary access to leading golf courses in India.
- Complimentary Accor Plus Traveller membership.
- Complimentary Accor Plus Traveller, Taj Epicure & EazyDiner Prime membership.
- Movie or online shopping vouchers worth ₹12,000 per year.
American Express SmartEarn Credit Card:
- Up to ₹500 cashback as a Welcome Gift
- Vouchers worth ₹500 upon reaching the spending milestones
- Earn Accelerated Membership Rewards by spending on Amazon, Flipkart, Uber, BookMyShow, Zomato, EaseMyTrip & more
- Earn 10X points on Flipkart, Uber, and select brands
- Renewal Fee Waiver on eligible spends
American Express Membership Rewards Credit Card:
- 1000 Bonus Membership Reward Points
- 5,000 Membership Reward Points on card renewal & annual fee payment
- 1 point for every ₹50 spent (excluding fuel, insurance, and utilities)
American Express Gold Card:
- 1000 bonus points on 6 transactions of ₹1000 or more every calendar month
- Discounts on dining, travel, shopping & car rental
- Redeem your Points from the 18 and 24 Karat Gold Collection
- Extra rewards on shopping with Flipkart, Uber, Amazon, & more
- 1 Membership Rewards Point on all expenses, including utility
American Express Platinum Travel Credit Card:
- Welcome Gift of 10,000 Membership Rewards points
- 8 complimentary visits per year to domestic airport lounges
- Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions & Vivanta Hotels
- Additional 25,000 Membership Rewards points
- 15,000 Membership Rewards points upon spending ₹1.9 lakh in the Card membership year
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