American Express Credit Card- American Express® offers multiple credit cards to suit a variety of individual needs such as shopping, travel, entertainment and dining. In addition to credit cards, American Express® also offers several “charge cards” that offer no preset spending limits. To help you choose the right American Express® credit card, here are the details of the top credit cards in various categories along with annual fees and key features. American Express is a leading provider of credit cards, bank accounts, and other financial services to consumers around the world.
They offer several different types of credit cards, including charge, credit, and balance transfer cards. These cards allow consumers to build their credit score and manage their debt by making regular payments. In addition to providing financial products, American Express also offers banking services, such as checking and savings accounts, as well as loans and mortgages. Whether you want to improve your financial situation or just want to manage your day-to-day expenses more efficiently, American Express can help you do it!
American Express Credit Card
American Express or AmEx is a US-based multinational financial company known worldwide for its premium credit and charge cards. We are a card issuer and credit card network at the same time as we can accept cards issued by Amex that process payments through our own network, as well as cards issued by other financial institutions affiliated with the Amex card network. There is also. The company he entered the Indian credit card market in 1993 and soon American Express credit card became one of the best quality cards in India he.
In 2018, AmEx accounted for 3% of the card market by cards issued and 10% of the market by total card customer spending. By 2021, this figure has dropped to 2.4% and 4% respectively. As of November 2022, there are over 13,000 outstanding American Express credit cards in India, a number that has been declining over the past year.
American Express Credit Card Overview
| Name Of Article | American Express Credit Card |
| Year | 2023 |
| Category | Trending |
| Official Website | Click here |
AmEx Credit Cards Features and Benefits
American Express is a well-known card issuer that specializes in providing credit cards to high-risk individuals and businesses. The features and benefits of an American Express card can make it an attractive choice for those looking for a reliable and trustworthy method of funding.
AmEx offers a variety of credit cards with some unique features and benefits in different categories such as reward programs, travel, movie and restaurant rewards. You can compare and choose the card that best suits your needs based on all the benefits Amex cards offer. If you have an Amex credit card, you will receive the following benefits:
Welcome Benefits
Receive welcome benefits when you join the card membership. This means that you will receive it when you receive your credit card and associated joining fee. Welcome benefits may come in the form of bonus membership rewards, accelerated cashback or gift certificates and may vary by AmEx card.
Reward Points/Cashback
Amex cards allow you to receive membership rewards or cashback every time you make a transaction using your credit card. However, each Amex card may have different reward rates, and you can also receive quick rewards for selected categories.
Milestone Benefits
Milestone rewards are provided when a cardholder meets a minimum spending threshold within a specified period of time (such as months or anniversary years).
Travel benefits
And with the best AmEx credit cards, you can get attractive travel rewards. Travel benefits include complimentary airport lounge access, complimentary use of select airline/hotel memberships, complimentary hotel/airline vouchers, and special discount offers on travel-related expenses.
Movie & Dining Benefits
Movie and restaurant benefits offered by American Express cards typically include discounts on restaurants and movies, free membership with restaurant benefits, free movie tickets, and more.
Other Benefits
Other benefits offered by Amex cards include 1% fuel surcharge waivers, expense-based annual fee waivers, various categories of insurance benefits, and golf benefits.
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Popular American Express Credit Cards
Popular American Express credit cards are designed to help you build your credit and make payments more efficiently. These cards typically offer access to valuable rewards programs and perks, such as travel and shopping benefits. Some of the most popular American Express credit cards include the Gold Card, Blue Cash Everyday Card, and Platinum Card from American Express. Each of these cards offers different features and benefits, so it’s worth exploring all options before making a decision.
Check out the detailed features and benefits of the best AmEx cards in India for:
American Express Platinum Credit Card
The Amex Platinum Credit Card is Amex’s premium card. Since it is a charge card, there is no usage limit setting. This card comes with a hefty annual fee of Rs 60,000 and offers the following benefits:
- 1 Membership Rewards point for every Rs 40 spent on the card.
- He triples Membership Rewards points on international transactions.
- His 5X Membership RP for transactions made on the Rewards Multiplier portal.
As a premium card, it offers extensive travel, movie, dining and insurance benefits including unlimited access to domestic and international airport lounges, discounts on movie tickets and partner restaurants, and personal accident insurance worth Rs.5 crores. was doing.
American Express Gold Credit Card
Another charge card offered by American Express. With this card, you can choose a plan with an annual or monthly fee. Gold Card membership fee is Rs. 4,500 or Rs. 375 per year depending on the plan chosen. Here are the reward points you get with this card:
- 1 Membership Rewards point for every Rs.50 spent on the card.
- Payment of insurance premiums and cash transactions are not eligible for member benefit points.
- You will also earn 1 Membership Rewards point for every Rs 50 spent on utility and fuel costs. The maximum
- Membership Rewards points that can be earned for incidentals and gas are 10,000 points and 5,000 points, respectively.
- Earn 5x Membership Rewards Points on every purchase made through the Rewards Multiplier Portal.
In addition to these benefits, the Amex Gold card has many other premium benefits such as travel benefits, movie and dining benefits, golf benefits, and more.
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American Express Platinum Reserve Credit Card
The Platinum Reserve Card is also a premium Amex service. The annual fee for this card is Rs. 10,000 (entrance fee Rs. 5,000) with a welcome gift of 11,000 bonus Membership Rewards points. This card earns 1 Flat Membership Rewards point for every Rs. 50 spent on the card (excluding fuel purchases, utilities, insurance and EMI transaction fees). Apart from Membership Rewards Points, members can also receive a wealth of other premium benefits such as 24/7 concierge service, golf benefits, free access to domestic and international lounges, Rs.100 crore personal accident insurance. increase.
American Express Platinum Travel Credit Card
As the name suggests, it is an Amex premium travel credit card. The card earns 1 Membership Rewards point for every Rs 50 spent on the card and offers a wealth of benefits such as free (limited) domestic airport access, Priority Pass membership, discounts on movie tickets, dining benefits and much more. Offers. As it is a travel card, if you spend 10,000 rupees, you will receive a Taj Stay Voucher (valued at 10,000 rupees) as a travel reward. 4 racks in card membership year.
American Express Membership Rewards Credit Card
This is AmEx’s mid-level card and offers a decent reward rate. A welcome gift of 4,000 Membership Rewards points. Earn 1 Membership Rewards point for every INR 50 spent on the card. Also enjoy many milestone benefits and other benefits such as zero liability coverage and fuel surcharge waivers.
American Express SmartEarn Credit Card
The SmartEarn card is AmEx’s entry-level shopping credit card. There is a nominal annual fee of Rs.495 per year and as a welcome bonus he offers cash back of Rs.500 on eligible spending of Rs.10,000 during his first 90 days of card membership. Apart from that, this card offers the following reward point benefits:
- 1 Membership Rewards point for every Rs. 50 spent on the card, excluding fuel, insurance, utilities, cash transactions, and EMI conversion at the POS.
- 10x Membership Rewards points on Amazon and Flipkart (up to 500 points per month with Amazon and Flipkart Acceleration plans combined).
- 10x Membership Rewards points on Uber rides (up to 500 points per month).
- Paytm wallet upload, Swiggy, BookMyShow, Big Bazaar, PVR, Myntra, and many more merchants get 5x membership RP (up to 250 points per month at this rate).
- Spend Rs to accelerate and earn up to 1,250 Membership Rewards points per month. Amazon and Flipkart combined for Rs. 2,500 (Membership Rewards points 500), Uber for Rs. 2,500 (Membership Rewards points 500), 5X partner merchants like Paytm, Swiggy for Rs. 2,500 (Membership Rewards points 250).
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American Express Credit Cards Reward Redemption
Membership Rewards points earned with your AmEx card can be redeemed for instant vouchers, hotel vouchers/gift cards, AirMiles with partner airlines or cash back (matched to card statement). The monetary value of Membership Rewards Points ranges from Rs. 0.25 to Rs. 0.50 depending on the redemption category. The maximum redemption value of Amex Membership Rewards points is when redeemed for Taj Stay Vouchers (1 MRP = Rs. 0.50).
Annual Fee
The annual fee varies depending on the Amex credit card. Annual fees can be lower or higher depending on the features and benefits of each card. Low annual fee credit cards are generally aimed at low-income people or those new to the world of credit cards, while high annual fee cards are aimed at wealthy people who understand credit cards well.
| Credit Card | Joining Fee | Renewal Fee | Spends Based Waiver |
| American Express Platinum Credit Card | Rs. 60,000 | Rs. 60,000 | None |
| American Express Gold Credit Card | Rs. 1,000 | Rs. 4,500 | None |
| American Express Platinum Reserve Credit Card | Rs. 5,000 | Rs. 10,000 | None |
| American Express Platinum Travel Credit Card | Rs. 3,500 | Rs. 5,000 | None |
| American Express Membership Rewards Credit Card | Rs. 1,000 | Rs. 4,500 | 50% renewal fee waiver on annual spending from Rs. 90,000 to Rs. 1,49,999. 100% renewal fee waiver on annual expenditure over Rs. 1,50,000. |
| American Express SmartEarn Credit Card | Rs, 495 | Rs. 495 | Yearly fee waived on spends of Rs. 50,000 in the previous year. |
Other Fees & Charges
In addition to the annual fee, credit cards have several additional fees such as interest rates, cash advance fees (fees for withdrawing cash from your credit card), foreign currency surcharges (fees for transactions in another currency), and late fees. and fees. The following table shows some of the most important charges.
| Interest Rate | 3.5percent per month on all cards. |
| Cash Advance Charges | 3.5percent of the withdrawn amount subject to a minimum of Rs. 250. |
| Foreign Currency Markup Fee | 3.5percent of the transaction amount. |
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AmEx Credit Cards Eligibility Criteria
Here are the basic eligibility criteria that an applicant must meet to obtain an Amerian Express credit card:
- Applicants must be over the age of 18.
- Applicants must have a stable source of income. That is, the applicant must be employed or self-employed.
- Aspirants must have a decent credit rating.
Documents Required
You are required to submit KYC documents including identification (Aadhar card, voter card, PAN card, etc.), proof of address (Aadhar card, voter card, utility/telephone bill, etc.) and proof of income such as pay slips. I have. Or validate her ITR confirmation with the card issuer to process the card application.
How To Apply For American Express Cards Online?
To apply for an Amex credit card, you need to access the credit card page on the Amex official website and select the card you want to apply for. A new page will open with the details of the selected card (features, benefits, fees). On this page, you can either click/tap the Apply Now option to apply for the card directly, or click/tap Compare to compare the card with other AmEx cards and apply to decide whether to apply. I can.
Clicking or tapping Apply Now opens a registration form that you must complete in order for your application to be processed. You will also need documents such as identity proof (voter card, Aadhar card, etc.), address proof (Aadhar card, passport, voter card, utility/telephone bill), income proof (salary/ITR confirmation). proceed with the application.
AmEx Credit Cards Application Status
If you have already applied for an American Express card, you can track the status of your application by visiting your local branch or by contacting Amex Card Customer Care by phone or email. You can easily track your credit card application status by simply taking note of your ID.
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How To Activate AmEx Credit Cards?
When you receive your new American Express credit card, you’ll need to activate it first. You can do the same both online and offline at your convenience using one of the methods below.
- To activate your AmEx credit card, log into your AmEx Internet Banking account and generate a new PIN under the Account Management tab.
- You can do the same with the AmEx Mobile Banking App. Simply log into the app and click the Manage Card PIN option on the Account tab.
- Another way to activate your AmEx credit card is to contact the credit card’s customer care and follow the instructions provided via the IVRS (Interactive Voice Response System).
AmEx Credit Cards Login/Netbanking
American Express credit card holders can easily perform card-related tasks by registering with Internet banking services. To register your AmEx credit card for online banking, you need to do the following:
- Go to the American Express signup page.
- Click Get Started and enter the required credit card information.
- Click Confirm.
- Set your username and password and proceed accordingly.
American Express Credit Cards Customer Care
In addition to all the great credit card benefits, American Express Bank also offers customer support exclusively for cardholders. If you have any questions or complaints regarding your AmEx credit card, you can always contact AmEx Credit Card Customer Care by:
- To reach us by phone, you can dial this number – 1800-419-2122 (toll-free).
- You can use this email id ([email protected]) to contact us by email.
AmEx Credit Cards For Travel
AmEx offers several credit cards that offer attractive travel benefits such as free access to domestic and international airport lounges. Below are American Express cards that offer premium travel benefits.
AmEx Platinum Credit Card
The Platinum Credit Card is AmEx’s premium card that offers favorable benefits in all categories, including travel. The travel benefits offered with this card are:
- Access to unlimited free domestic lounges
- Complimentary international lounge access to over 1,600 Priority Pass and Delta lounges.
- His 25% discount at Taj & Vivanta Hotels.
- Exclusive deals and deals for some major airlines.
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AmEx Platinum Reserve Card
AmEx Platinum Reserve is also one of the best cards offered by American Express. This card offers the following travel benefits:
- 12 complimentary domestic lounge access per year.
- Complimentary Priority Pass membership.
- Complimentary Taj Epicure membership.
AmEx Platinum Travel Credit Card
As the name suggests, the Amex Platinum Travel Card is for those who love to travel. We offer several exciting travel benefits such as:
- Complimentary access to 8 domestic lounges per year.
- Complimentary Priority Pass membership.
- Taj Stay Vouchers worth up to Rs. 10,000 for reaching spending milestones.
AmEx Credit Cards With No Annual Fee
AmEx does not currently issue lifetime free credit cards. AmEx SmartEarn card is available, his AmEx low annual fee card with an annual fee of Rs 495. Over 40,000 in the previous year’s anniversary year.
American Express Rewards Credit Cards
All AmEx credit cards earn reward points for every payment, but reward rates may vary by card and category. Below are some of the AmEx cards with the best rewards programs.
AmEx SmartEarn Credit Card
The SmartEarn credit card issued by AmEx is the most basic card, but offers the best redemption rate. Earn 1 Membership Reward for every Rs. 50 spent and earn up to 10x Rewards on select spend including Amazon, Flipkart, Uber and more.
AmEx Platinum Credit Card
The Platinum Card is the highest quality Amex card and offers the best rewards. Earn 1 Member Reward for every Rs. 40 spent and earn up to 5x Rewards on selected spend via the Rewards Multiplier Portal.
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AmEx Gold Card
The AmEx Gold Credit Card offers 1 Membership Reward Points for every Rs. 50 retail sales as a base reward rate and up to 5x reward points on the Reward Multiplier Portal.
Conclusion
American Express is a credit card that offers many benefits for its users. These benefits include travel insurance, access to cash advances, and the option to earn points and miles for making purchases. Overall, American Express is a great way to gain access to financial products and services while building up credit. If you’re looking for a credit card with outstanding features, look no further than American Express!
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