Decoding Excellence: Everything You Need to Know About American Express Credit Cards

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:

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:

Features and Benefits

1. 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

1. 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

1. 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

1. 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

1. 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

1. 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: