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American Express Credit Card

Apply online for American Express Credit Card: Check your American Express Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works

1

Register

Apply for a Credit Card online by filling an easy application form.

2

Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.

3

Get Approved instantly

Receive instant approval on your American Express Credit Card.

Basic Eligibility Criteria

Good Score

Good Credit Score

Age

Above 24 Years of Age

Employment

Self-Employed or Salaried Professional

Residence

Resident of India

Bank

Valid Bank Account

ID Proof

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statement

Bank Statements for The Last Three Months

Salary Slip

Salary Slips for The Last Three Months

Comparison Table For American Express Credit Card

IndiaLends offers a wide range of American Express credit cards online with various benefits and rewards. American Express credit cards offer popular types of reward schemes such as Fuel, Travel, Shopping, and dining. Each Amex Credit Card offers unique benefits for fulfilling all your needs and lifestyle requirements. Amex Credit Cards come with different reward schemes and cash back offers depending upon the credit card you pick. You will get rewarded with membership reward points every time you make a purchase using your Amex Credit Card!

Apply for our range of Amex Credit Cards online in less than 2 minutes. Before doing so, you should check your eligibility in the ‘Amex Credit Card Eligibility’ section and compare the range of Amex Credit cards.

Name of the American Express Credit Card Joining Fees Joining Perks Rewards Points Amex Credit Card Eligibility
The American Express Membership Rewards® Credit Card

First year fee: Nil

Second year onwards: Rs.4,500 + GST (Spend based fee waiver : 100% waiver at annual spend of INR 1,50,000 on the card)

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  • 1 Membership Reward Point for every Rs.50 spent
  • Redeem from the fabulous 18 carat and 24 carat Gold Collection
  • Use your American Express Credit Card for your next big purchase & pay in easy EMI
  • Enjoy benefits on your travel bookings with MakeMyTrip.com*
  • Over 24 years of age & Personal annual income of INR 4.5 Lacs or above (for Salaried)
  • Over 32 years of age & Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed)
  • An Indian or multinational bank’s savings or current account in India
  • Have a permanent residential address in India
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months
The American Express® Gold Card

First year fee: Rs.1,000 plus applicable taxes

Second year onwards: Rs.4,500 plus applicable taxes

4,000 Bonus Membership Rewards® Points, to be awarded on using the Card 3 times within the first 60 days of Cardmembership, upon payment of annual fee
  • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month
  • 1 Membership Rewards Points for every Rs.50 spent
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • If self-employed, your company should be trading for more than 12 months.
Jet Airways American Express® Platinum Credit Card

First year fee: Rs.5,000 plus applicable taxes

Second year onwards: Rs.10,000 plus applicable taxes

Get a Welcome Gift of 10,000 Bonus JPMiles + one-way complimentary Jet Airways Base Fare Waived Domestic Ticket on your first charge
  • 8 JPMiles for every Rs.150 spent
  • 16 JPMiles for every Rs.150 spent for booking revenue tickets on www.jetairways.com
  • Complimentary visits to 12 Domestic Airport Lounges¹ at 10 cities in India
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • An Indian or multinational bank’s savings or current account in India.
  • Have a permanent residential address in India.
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months.
The American Express® Platinum Reserve SM Credit Card

First year fee: Rs.5,000 plus applicable taxes

Second year onwards: Rs.10,000 plus applicable taxes

Get a Welcome Gift of 11,000 Bonus Membership Rewards Points
  • 1 Membership Rewards® Point for every Rs.50 spent
  • Enjoy cashback of up to Rs.10,000 at MakeMyTrip.com
  • Up to 20% discount on dining.
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • An Indian or multinational bank’s savings or current account in India.
  • Have a permanent residential address in India.
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months.
The American Express® Platinum Travel Credit Card

First year fee: Rs.3,500 plus applicable taxes

Second year onwards: Rs.5,000 plus applicable taxes

Welcome Gift of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs.4000
  • Spend Rs.1.90 lacs in a year and get Travel Vouchers worth upto Rs.7,700
  • Enjoy 4 complimentary visits per year(limited to one complimentary visit per quarter) to 12 airport lounges across India.
  • Enjoy benefits on your Travel bookings with MakeMyTrip.com
  • Spend Rs.4 lacs in a year and additionally get Travel Vouchers worth upto Rs.11,800⁴. Also get a voucher worth Rs.10,000 from the Taj Hotels, Resorts and Palaces5
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • An Indian or multinational bank’s savings or current account in India.
  • Have a permanent residential address in India.
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months.
The Everyday Spend American Express® Gold Credit Card

First year fee: Rs.495

Second year onwards: Rs.495

Welcome gift of INR 500 on spending INR 10,000 in first 90 days
  • 10x (10 MR points on INR 50) on Flipkart and Ola. Capped at 500 MR points per month
  • 5x (5 MR points on INR 50) on PVR, BMS, BigBazaar, D-Mart, Uber, Amazon and shopclues. Capped at 250 MR points per month
  • Over 24 years of age & Personal annual income of INR 4 Lacs or above (for both Salaried & Self-employed )
  • Over 32 years of age & Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed)
  • Have a permanent residential address in India
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months

Frequently Asked Questions

General Questions

Q. Where can I see my recent unbilled charges Online?

A. You can view your recent unbilled charges under "View Latest Transactions" in the Account Summary section. This can be viewed via American Express website or you can download the American Express app to view the unbilled charges.

Q. Can I link my personal American Express card with Corporate card account?

A. No, it is not possible to link your personal American Express card with corporate card account. Although the bank is trying to connect all the systems to bring you the best possible experience.

Q. Which American Express Credit Cards offer the EMI option on purchases?

A. EMI option on purchases is available on the following American Express Credit Card(s):
  1. The American Express Platinum Reserve Credit card
  2. The American Express Platinum Travel Credit Card
  3. The American Express Membership Rewards Credit Card
  4. The Jet Airways American Express Platinum Credit Card
  5. The American Express Gold Credit Card

Q. What benefits accompany an American Express Platinum Reserve credit card?

A. There are many benefits associated with American Express Platinum Reserve credit card. Some of them are:
  1. A welcome gift of 11,000 Bonus Membership Rewards Points
  2. Cashback of up to ₹10,000 at MakeMyTrip.com
  3. Privileges at Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts
  4. Complimentary access to American Express lounge and other domestic lounges across India.
  5. Special health and wellness benefits from Max Healthcare, Fortis Healthcare and Texas Medical Concierge
  6. Complimentary access to leading golf courses in India

Q. Is there any markup fee for foreign currency transactions?

A. Yes, there is a charge of 3.5% of the transaction amount as a markup fee for foreign currency transactions.

Q. As a constant traveller, what cards will help me in my travels?

A. There are many travel benefits offered in many of the American Express cards. Some of the common benefits are:
  1. Welcome benefits in the form of travel vouchers/reward points
  2. Complimentary visits to airport lounges across India
  3. Travel vouchers on milestone achievements
  4. Complimentary membership with select Hotels & Resorts
  5. 24*7 Concierge Service
  6. Cashback and other benefits on bookings made via MakeMyTrip.com

Q. What’s the annual fee for the American Express Platinum Reserve credit card?

A. The annual fee for American Express Platinum Reserve credit card is ₹10,000 plus taxes.

Q. What is Over Credit Limit charge and how is it calculated?

A. An over credit limit charge is a fee when your balance goes over the set credit limit(also known as the over-limit fee). Please note that the card issuer cannot charge a fee that exceeds the amount that you’ve actually over utilized.

Q. How can I check my credit card usage?

A. There are 3 common ways to check your credit card usage:
  1. Via Mobile App
  2. Over the phone
  3. Over the internet
Via mobile app- With the advancement in technology, now everyone is able to do banking right on the phone. American Express has its own smartphone/tablet app wherein you can check your credit card usage and other details.
Over the phone- You can call the number provided on the back of the card to reach American Express’ customer care. By entering your credit card number and other identifying numbers and following the steps will prompt you to hear your credit card usage.
Over the internet- If you have set up your online account for your credit card, you can just log into the credit card issuer’s website and check your credit card balance.

Q. How many supplementary cards can I have and what are the charges involved?

A. Supplementary cards can be added on the basis of the credit card you own. Please note that all expenses incurred on an add-on card are billed to the primary cardholder which generally includes a fee.

Q. What should I do if I lose my card or if my card is stolen?

A. You must immediately block the credit card by calling the customer care. This will help prevent any kind of fraudulent activities from your account.

Q. What are the key charges applicable to credit cards?

A. The key charges applicable to any credit card are joining fee and annual fee. In most of the cases, the joining fee can be waived off.

Q. How can I block my credit card?

A. You can block your card by simply calling the number provided in the back of your card to reach the American Express customer care. After providing all the identifying numbers, you can inform them to block the credit card.

Q. What if I want to apply for an add-on card, how to do that and to who all can the add-on card will be given?

A. An American Express add-on credit card is also known as a supplementary credit card. This is a full-fledged card which is provided to the dependent of the credit card holder. Add-on cards can be given to spouse, parents, or even children. To apply for an add-on card, you can simply
  1. Log on to American Express website
  2. Select your card type and then,
  3. Apply
Or you can apply via IndiaLends to get easy approval within a few days.

Q. How does a customer cancel the credit card?

A. Before you cancel your credit card, make sure you pay off any existing balance on the card and redeem any benefits you might lose otherwise. Then, you will need to connect with American Express customer care. The American Express customer care number can be found on the back of your card, or on the bill. Please note you have your credit card and a bill near you to provide all the relevant information.

Q. When is the late payment fee charged on credit card?

A. A late payment fee is charged on the credit card when the consumer pays a required minimum on a credit card after the due date. The best way to avoid a late payment fee is by paying at least the minimum payment on time.

Q. I want to avail the Balance Transfer facility on my credit card. How to place a request for Balance Transfer on credit card?

A. In order to avail the balance transfer facility on your credit card, you can contact the American Express customer care. You can choose the plan as per your convenience. Please note you need to have the following details handy when you apply for a balance transfer:
  1. Your credit card number, credit card account number or the number on the card
  2. Name of the bank where the amount is held
  3. Plastic or account number of the credit card in which the balance exists
  4. The amount you wish to transfer

Amex Credit Card Eligibility Questions

Q. Am I eligible for an Amex credit Card?

A. You can be eligible for an American Express credit card if you meet the following conditions:
  1. You must be at least 21 years old.
  2. You must be a citizen of India.
  3. You must have a good credit score/credit history.
  4. You must not have filed for bankruptcy in the past 7 years.
  5. The applicant must have an annual income of at least ₹6 lakhs per annum which could vary based on the credit card.

Q. What basic documents are required when applying for the American Express credit card?

A. The basic documents required when applying for the American Express credit card are:
  1. Proof of age and identity(Aadhaar, PAN card, Passport, Driving License and others)
  2. Proof of address
  3. Passport-sized photographs
  4. Salary slips of last 3 months/Bank statement of the account in which the salary is credited

Q. What are the Factors Affecting Amex Credit Card Eligibility Criteria?

A. The factors affecting Amex credit card eligibility criteria are:
Income

We all know that credit cards are not free of cost. Apart from the key charges, the amount charged to a credit card will have to be repaid in the set billing cycle. Which is why income plays an important role in determining the eligibility as an applicant.


Credit Score

The applicant must have a good credit score to be eligible for an American Express credit card. In fact, there is a direct relationship between your credit score and your chances of approval. The higher the credit score, the better your chances of approval. Therefore, an applicant with a good credit score is more likely to get easy approval on American Express credit card(s).


Location

Certain credit cards are provided to applicants from Tier-1 cities based on the benefits and features offered by them. Similarly, certain benefits are specifically for individuals from Tier-2 cities. Which is why location is another important criterion when approving your credit card application.


Salaried/Self Employed

This is another important factor for determining the eligibility for an American Express credit card. Salaried and self-employed individuals have different incomes and different levels of security. As long as the individual is able to prove that he/she receives good and consistent income, they are eligible for American Express credit card(s).


Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.