American Express Credit Cards: Check Features, Eligibility & Charges

American Express Bank Credit Cards

image of American Express Bank

🤔 Know everything about American Express Bank Credit Card

Is American Express Bank Your Reward Partner?

American Express is a bank cum payment network owned by Berkshire Hathaway. The American Express Credit Cards vary under 6 different categories with an array of benefits, rewards and assistance services. American Express Bank has 13,46,343 active credit cards as of February 2024.

Features of American Express Bank Credit Cards

Lounge Access

Travel Benefit

Fuel Surcharge

Cashback Benefit

Reward Points

Insurance Benefit

Shopping Benefit

Welcome Bonus

Dining Benefit

Top American Express Bank Credit Cards

Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.50

Joining Fee

₹5,000

Annual Fee

₹10,000

Annual Percentage Rate

42.00%
Regular
Best For: Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.50

Joining Fee

₹ 1,000

Annual Fee

₹ 4,500

Annual Percentage Rate

42%
Travel
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.50

Joining Fee

₹ 3,500

Annual Fee

₹ 5,000

Annual Percentage Rate

42%
Travel
Best For: Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.50

Joining Fee

₹1,000

Annual Fee

₹4,500

Annual Percentage Rate

42%
Premium
Best For: Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹495

Annual Fee

₹495

Annual Percentage Rate

42%
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹60,000

Annual Fee

₹60,000

Annual Percentage Rate

42%

How To Apply For American Express Bank Credit Card Online

To apply for an American Express credit card or charge card, you can follow these steps:

Step 1: Visit the American Express Credit Card page or Charge Card page on their website.

Step 2: Study and compare the different cards available and select the one that best suits your requirements. Click on the 'Apply Now' button.

Step 3: The application form will open in a separate window. You will need to provide your personal details, including your name, date of birth, income, PAN, and address.

Step 4: Click on 'Save' and continue to the next page, where you will be asked for further financial information, such as your bank details.

Step 5: Fill in the required information, review the details entered, and then click on 'Apply'.

Step 6: After submitting the application, you will receive a confirmation that the application has been received.

Step 7: American Express may ask for necessary documents to prove your legal status and identity.

If your application is successful, you will hear back within 15 days. If not, you will be notified of the decision within 90 days.

To speed up the application process, it is recommended that you double-check your application and eligibility criteria and have all the necessary documents ready before submitting the application.

American Express Bank Fees and Charges

Analyse a card based on its Joining Fee, Annual Fee and what it's best suited for.

CARD VARIANT

JOINING FEE

ANNUAL FEE

BEST FOR

American Express Platinum Reserve

₹5,000

₹10,000

Lifestyle

American Express Membership Rewards

₹ 1,000

₹ 4,500

Rewards

American Express Platinum Travel

₹ 3,500

₹ 5,000

Travel

American Express Gold

₹1,000

₹4,500

Rewards

American Express SmartEarn

₹495

₹495

Rewards

American Express Platinum

₹60,000

₹60,000

Lifestyle

American Express Bank Eligibility

CREDIT CARDS

INCOME REQUIRED

EMPLOYMENT TYPE

American Express Platinum Reserve

â‚ą600000

Salaried , Self Employed

American Express Membership Rewards

â‚ą50000

Salaried , Self Employed

American Express Platinum Travel

â‚ą50000

Salaried , Self Employed

American Express Gold

â‚ą50000

Salaried , Self Employed

American Express SmartEarn

â‚ą37500

Salaried , Self Employed

American Express Platinum

â‚ą125000

Salaried , Self Employed

American Express Bank News

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American Express Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

American Express Bank

American Express Bank Credit Card Customer Care Number:

1800 419 5960

American Express Bank Card Offers:

View Offers

Total Cards:

13,46,343

Frequently Asked Questions

The EMI option is available on the majority of American Express credit cards. This feature is only available on certain credit cards, including: American Express SmartEarn Credit Card, American Express Membership Rewards Credit Card, American Express Platinum Reserve Credit Card, American Express Platinum Travel Credit Card.

The minimum age requirement for American Express credit cards is 18 years old, and the minimum income requirements are Rs. 4.5 lakhs for salaried individuals and Rs. 6 lakhs for self-employed individuals (may vary from card to card; check card-specific income eligibility). Additionally, you must have a present or long-term residence in India, good credit, and a clean payment history.

The cardholders must be older than 18 years old. A minimum annual personal income of Rs. 6 lakhs is required. The cardholder in India should hold a savings or current account with an Indian or foreign bank. The applicant must reside in India.

Depending on the card, different American Express credit cards may have different minimum salary requirements. It may be between Rs. 4.5 lakhs and Rs. 25 lakhs for salaried workers and between Rs. 6 lakhs and Rs. 15 lakhs for self-employed workers. Before applying for an American Express credit card, it's critical to understand this information because it will determine your eligibility. Keep in mind that the minimum income requirements for various card types may vary.

Applicants must submit proof of identity, proof of address, and proof of income along with a completed application form. The list of acceptable documents for each category is provided below.

Evidence of Identity: PAN cards, Aadhaar cards, driver's licenses, passports, voter identification cards, Overseas Citizens of India cards, cards proving one's Indian ancestry, NREGA job cards, UIDAI letters, and any other form of recognized photo identification

Aadhaar cards, driver's licenses, passports, utility bills that are no older than three months, ration cards, property registration documents, bank account statements, and other forms of government-approved address proof are all acceptable as proof of residence. Evidence of Income Last three months' worth of bank statements, the most recent Form 16, and one or two recent salary slips (not older than three months).
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