GET INSTANT E-APPROVAL FOR
CREDIT CARDS

Apply Now for Cards With More Rewarding Benefits!

Apply Now & Get Instant Approval

Full Name* (As Per PAN Card)

Email id*

Mobile Number*

Residence Pin code*

Company Name* (Type Slowly)

Monthly Salary In-hand*

I hereby declare that I am Indian National. I agree to IndiaLends Privacy Policy and T&Cs and authorize IndiaLends to carry out credit enquiries on the Credit Bureaus. I also authorize IndiaLends to retrieve credit report on my behalf from CRIF Highmark Private Limited or Experian India Private Limited.
By clicking on Continue, you consent to receiving communications including but not limited to SMS, e-mails, phone calls from us with respect to your transaction on the website or for any other purpose. This consent will override any registration for DNC/NDNC.

Get Started

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

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

Select a Credit Card

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

Get Approved instantly

Receive instant approval 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

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table For AMEX 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 Fee	Joining Perks	Rewards Points	American Express Credit Card Eligibility
The American Express Membership Rewards® Credit Card	First year fee : Nil Second year onwards : Rs. 4,500	-	1 Membership Reward Point for every ¹ 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 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 every² 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 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 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® MakeMyTrip Credit Card	First year fee : Rs. 750 plus applicable taxes Second year onwards : Rs. 1,500 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% cashback⁴ on your MakeMyTrip bookings.	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 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.	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 Gift² 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 Vouchers3 worth upto Rs.7,700 Enjoy 4 complimentary visits per year to 29 airport lounges in Delhi, Mumbai, Bengaluru and 9 other cities Enjoy benefits on your Travel bookings with MakeMyTrip.com Spend Rs.4 lacs in a year and additionally get Travel Vouchers³ worth upto Rs. 11,800⁴. Also get a voucher⁵ worth Rs.10,000 from the Taj Group	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:

Credit Cards have universal acceptability.
For using a Credit Card, a customer has to pay a fixed sum as annual fees. However, financial
Institutions generally waive off the charges if the customer meet a certain criteria in terms of his expenditure behaviour.
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.
Customers can settle the balance with Monthly EMIs.
Credit Cards come with a 24/7 service, unlike other card forms.
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:

Ease in payments while shopping, dining, travelling and settling bills.
Timely repayments on Credit Cards help in improving your Credit Score.
Access to premium services offered by the financial institution which issued the card.
Amazing discounts and cashbacks upon the purchases made using the card.
Access to more funds in times of immediate need
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.

PAN Card
Passport
Driving License/Voter ID
Aadhar Card
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:

Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
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:

Purpose of the Credit Card
Expense behaviour to select the best Reward Scheme
Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
Any active loan/heavy EMI payment
Interest Rate on the card
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.