Decoding Excellence: Everything You Need to Know About American Express Credit Cards
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American Express Company is an American-based multinational financial services corporation with a specialisation in credit cards. Having its headquarters in New York City, it is considered to be one of the most valuable companies in the world. It is the largest traveller’s cheque provider worldwide.
Amex offers a variety of cards that best suit the varied choice of individuals, such as shopping, travelling, entertainment, dining, and many more. Apart from these cards, American Express also provides “Charge Cards” that do not have any pre-spending limit.
How to Apply for an Amex Card via Online Method
Below are the steps to apply for American Express Credit Card online in just 10 minutes:
Step 1: Go to the Amex Credit Card page or the Charge Card page.
Step 2: Compare all the cards on offer and choose one of them as per the choice.
Step 3: Next, click the tab “Apply Now”.
Step 4: It will redirect to a separate window. Now, enter your personal details, including name, date of birth, income, PAN, and address.
Step 5: Click on the tab “Save”, and you will then be redirected to the next page.
Step 6: Provide financial information like bank details and click on “Save”.
Step 7: After its submission, a confirmation for the receipt of the application will be received.
Step 8: To prove legal status and identity, necessary documents would be asked for.
Step 9: Upon successful application, the bank will contact the customer within 15 days, and in case it is not, the bank will notify the same within the next 90 days.
Some of the best Amex credit cards are as mentioned below:
Name of the Card | Joining Fees | Renewal Fees | Welcome Benefits | Reward Type | Ideal For |
American Express Platinum Card
|
INR 60,000 |
INR 60,000 |
Get Stay vouchers worth INR 45,000 from SeleQtions, Vivanta Hotels and Taj | Reward Points | Travel and Shopping |
American Express Platinum Reserve Credit Card
|
INR 5000 |
INR 11,000 |
11,000 bonus membership reward points | Reward Points | Travel, Shopping, and Dining |
American Express Gold Card
|
INR 1000 |
INR 4,500 |
4,000 bonus membership reward points | Reward Points | Travel and Shopping |
American Express Platinum Travel Credit Card
|
INR 3500 |
INR 5000 |
10,000 membership rewards points that can be redeemed for Flipkart vouchers or the ‘Pay with Points’ option in the Amex Travel Online facility worth ₹3,000 | Reward Points | Travel |
American Express Membership Rewards Credit Card
|
INR 1000 |
INR 4500 |
4,000 bonus membership reward points | Reward Points | Shopping |
American Express SmartEarn Credit Card |
INR 495 |
INR 495 |
₹500 cashback in the form of a statement credit on ₹10,000 worth of eligible spending made in the first 90 days of obtaining the card membership | Reward Points | Shopping |
Eligibility Criteria
Below mentioned are American Express Credit Card Eligibility:
- Age:
An applicant must be aged 18 or above to apply for an Amex Credit Card.
- Residential Status:
An applicant must be an Indian resident and have a permanent residential address.
- Credit Score:
An applicant must have a good credit score and no history of bad credit or failures.
- Indian or multinational bank savings or current account in India.
- Not filed for bankruptcy in the past 7 years.
Documentation Required
Mentioned below are the documents required to be uploaded along with the credit card application form:
Identity Proof | ● PAN Card
● Driver’s License ● Overseas Citizen of India Card ● Aadhaar card ● Voter’s ID ● Job card issued by NREGA ● Person of Indian Origin Card ● Passport ● Letters issued by the UIDAI ● Any other government-approved photo ID proof |
Address Proof | ● Aadhaar card
● Passport ● Ration Card ● Person of Indian Origin Card ● Job card issued by NREGA ● Property Registration Document ● Bank Account Statement ● Any other government-approved address proof ● Utility Bills ● Driver’s License |
Income Proof | ● Latest one or 2 salary slips
● The last 3 months’ bank statement ● The Latest Form 16 |
Features and Benefits
- American Express Platinum Card
- Access to the best-in-class airport lounges
- Benefits worth ₹37,000 on each booking made at any of the 1000+ partner properties
- Air accident insurance, overseas medical insurance and purchase protection
- American Express Platinum Reserve Card
- Complimentary movie or online shopping vouchers worth ₹6,000 each year
- Complimentary access to domestic lounges and Priority Pass membership
- Complimentary access to 32 green courses in India for golf enthusiasts
- American Express Gold Card
- Option to redeem reward points for products in the 18-karat and 24-karat gold collection
- No pre-set spending limit.
- Option to redeem points for a wide range of exciting rewards in the form of vouchers from leading stores and brands
- American Express Platinum Travel Credit Card
- Get complimentary access to the lounge at domestic airports 8 times per annum, maximum of up to 2 visits per quarter
- .Flipkart vouchers or travel benefits from ATO on hitting milestone spends
- Taj Experiences E-Gift Card worth ₹10,000
- American Express Membership Rewards Credit Card
- Option to convert big purchases into EMIs
- Zero lost card liability
- Emergency replacement of card
- Discounts of up to 20% on dining expenses at select restaurants
- American Express SmartEarn Credit Card
- Gift vouchers on reaching spending milestones
- Option to convert purchases into EMIs at low-interest rates and no foreclosure charges
- Waiver of renewal fee on spending ₹40,000 or more in the previous year
Prerequisites while making American Express Credit Card Payment:
Below are the prerequisites that should be considered while making American Express Credit Card Payment:
- Payments can be made only from a bank account that is in the Primary cardholder’s name.
- Payments made to an Indian-issued Amex card that is held by an NRI must be made only through an NRE/ NRO account that is in the Primary card member’s name.
Amex Customer Support
In case of queries, customers can call the toll-free number, i.e. 1800 419 2122, which is available 24/7. Below mentioned is the list of contact numbers cards-wise:
Card Name | Contact Number |
American Express® Platinum Reserve Credit Card
|
1800 419 1030 1800 180 1030 0124-280-1030 |
American Express® Gold Credit Card
|
1800 419 3646
0124-280-1800
|
American Express® Platinum Travel Credit Card
|
1800 419 2122 0124-2801122 |
American Express® PAYBACK Credit Card
|
1800 419 0726 0124 6744144 0124 2801093 |
American Express Membership Rewards® Credit Card
|
0124-280 1418 1800 419 0167 |
American Express Smart Earn TM Credit Card
|
1800 180 1249 0124-280-1101 |
American Express® Gold Card
|
1800 419 1120 0124-2801111 |
American Express® Platinum Card
|
1800 419 1255 1800 180 1255 0124-2801444 |
American Express® Green Card | 1800 419 3646 0124-2801800 |