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.

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.

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

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

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

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

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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

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).

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.

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.

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

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

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.

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

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.