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American Express 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 an American Express Credit Card online in less than 2 minutes

2

Select a Credit Card

Choose an American Express credit card which best fits your needs and lifestyle. Don’t forget to check your American Express credit card eligibility.

3

Get Approved instantly

Receive instant approvals on your American Express credit card.

Basic Eligibility Criteria

Good Credit Score

Above 24 years of Age

Self-employed or Salaried professional

Resident of India

Valid Bank Account

PAN Card, and Voter ID Card/Driving License

Bank Statements for the last three months

Salary Slip 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 Travel, Shopping, and dining. Each American Express Credit Card offers unique benefits for fulfilling all your needs and lifestyle requirements. American Express 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 American Express Credit Card!

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

Name of the American Express Credit Card Joining Fees Joining Perks Rewards Points American Express Credit Card Eligibility
American Express Gold Card Rs. 1,000 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 every2 Rs.50 spent
  • 3% cash back3 at leading fuel stations
  • 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.
The American Express Platinum Travel Credit Card Rs. 5,000 Welcome Gift2 of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs.4000
  • 1 Membership Rewards Points on every6 Rs.50
  • Up to 20% discount on dining7
  • Rs 7,700* worth IndiGo Vouchers on spending Rs.1.90 lacs
  • Rs.11,800 worth IndiGo Vouchers2 on spending Rs.4 lacs in a year.
  • 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 MakeMyTrip Credit Card Rs. 750 plus applicable taxes The welcome gift3 will consist of 2 MakeMyTrip vouchers, each worth Rs.1,000 for Cards applied post 15/02/16.
  • Enjoy 5% cashback on your MakeMyTrip bookings.
  • You can also enjoy up to 70% instant discount on Hotel bookings (Offer extended till September 30, 2017).
  • 2 Payback Points for every Rs.100 spent on others.
  • 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.
Jet Airways American Express Platinum Card Rs. 5,000 Get a Welcome Gift2 of 10,000 Bonus JPMiles + one-way complimentary Jet Airways Base Fare Waived Domestic Ticket3 on your first charge
  • 8 JPMiles for every1 Rs. 150 spent
  • 16 JPMiles for every Rs. 150 spent for booking revenue tickets on www.jetairways.com
  • Rs. 1,000 worth complimentary movie voucher for two after using your Card 8 times.
  • Complimentary visits to 13 Domestic Airport Lounges3 at 11 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 Credit Card Rs. 3,500 plus applicable taxes Get a Welcome Gift2 of 11,000 Bonus Membership Rewards Points
  • 1 Membership Rewards® Point for every Rs.50 spent
  • Enjoy cashback3 of up to Rs. 10,000 at MakeMyTrip.com
  • Up to 20% discount on dining7.
  • 3% cashback on fuel
  • 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 Membership Rewards® Credit Card Rs. 1,000 4,000 Bonus Membership Rewards® Points on 3 usages within the first 60 days
  • 1 Membership Reward Point for every 1 Rs.50 spent
  • 5,000 Membership Rewards Points upon First Year Card Renewal on annual membership fee
  • 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 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.

What our Customer Says

Vicky Gupta

New Delhi

Really appreciate the customer care and customized services as committed by Indialends, they understand its importance in credit card industry...

Tushar Dutta

New Delhi

Got credit card from multiple lenders at one platform only…thanks to Indialends, got a chance to maintain CIBIL which may have been decreased in open market on applying multiple times...

Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:
  1. Credit Cards have universal acceptability.
  2. For using a Credit Card, a customer has to pay a fixed sum as annual fees. However, financial
  3. Institutions generally waive off the charges if the customer meet a certain criteria in terms of his expenditure behaviour.
  4. Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
  5. Customers can settle the balance with Monthly EMIs.
  6. Credit Cards come with a 24/7 service, unlike other card forms.
  7. Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:
  1. Ease in payments while shopping, dining, travelling and settling bills.
  2. Timely repayments on Credit Cards help in improving your Credit Score.
  3. Access to premium services offered by the financial institution which issued the card.
  4. Amazing discounts and cashbacks upon the purchases made using the card.
  5. Access to more funds in times of immediate need
  6. Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals — with a regular source of income can apply for a Credit Card. One must be 21 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof. of Credit which is not related to your Personal bank accounts.
  1. PAN Card
  2. Passport
  3. Driving License/Voter ID
  4. Passport
  5. Ration Card

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, you can repay the amount before the scheduled date by contacting the Customer Care Service or your home branch.