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.
Table of Contents:
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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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:
Also read: best credit cards
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Here are the steps to follow for your American Express credit card application:
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
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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) |
American Express Platinum Travel Credit Card | ₹5000 + taxes |
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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:
Do you need an instant loan?
Yes, the Amex Credit Card is accepted at thousands of locations nationwide, including restaurants, supermarkets, small shops, and online retailers.
An American Express credit card works by allowing cardmembers to make purchases on credit, which must be paid back either in full or over time with interest, depending on the card type.
American Express credit card limits in India are determined based on factors such as your credit score, income, existing debt, and repayment history.
American Express credit cards in India typically carry a monthly interest rate of 3.5% on outstanding balances, which translates to an annualized rate of 42%.
American Express credit cards in India have varying annual fees based on the card type.
You can use an American Express credit card at a wide range of locations in India, including restaurants, retail stores, hospitals, fuel stations, and online platforms.
You can apply for an American Express credit card in India by visiting the official Amex India website and select the card that best suits your needs.
The best American Express credit card in India depends on your needs—travelers may prefer the Platinum Travel Credit Card for its rewards and vouchers, while everyday spenders might find value in the SmartEarn™ Credit Card with its low fee and accelerated rewards.
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