American Express Credit Cards : Check Eligibility & Apply Online

American Express, or Amex card, offers limited credit cards with exclusive privileges. American Express credit cards are high-end credit cards that offer amazing perks and rewards that are suitable for your income and lifestyle. American Express is a USA-based bank that offers premium credit cards as well as charge cards. If you’re looking for an American Express card, then Findcreditloan is the right place for you. On Findcreditloan you’ll get detailed information of all the best credit car

American Express Membership Rewards® Credit Card

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Joining Fee

₹1,000 + GST

Renewal Fee

₹4,500 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the joining fee of Rs. 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.

American Express SmartEarn Credit Card

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Joining Fee

Rs. 495 + GST

Renewal Fee

Rs. 495 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Cashback of Rs. 500 and 2,000 Referral Bonus Membership Rewards Points

American Express Gold Charge Card

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Joining Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 4,500 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

4,000 Bonus Membership Rewards Points. 2,000 Referral Bonus Membership Rewards Points

American Express Platinum Travel Credit Card

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Joining Fee

Rs. 3,500 + GST

Renewal Fee

Rs. 5,000 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

10,000 Membership Rewards Points

American Express Platinum Reserve Credit Card

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Joining Fee

Rs. 10,000 + GST

Renewal Fee

Rs. 10,000 + GST

Best Suited For

Travel | Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

11,000 bonus Membership Rewards Points on a minimum expenditure of Rs. 30,000 within 90 days of card issuance.

American Express Platinum Charge Card

Apply Now

Joining Fee

₹66,000 + GST

Renewal Fee

₹66,000 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Vouchers Worth ₹60,000 of Taj Hotels, Luxe Gift Card, and The Postcard Hotels & Resorts

Best American Express Credit Cards

American Express SmartEarn Credit Card ⭐

Suitable for online shopping
Spend Rs.10,000 within 90 days of issuance and get Rs.500 cashback
Spend Rs.40,000 in a year and waive off annual fee
Spend on Flipkart, Ajio, blinkIt, Nykaa, and other online brands to earn 10X reward points
Shop on Amazon, and earn 5X reward points
Shop on Zomato, and EaseMyTrip to earn 10X reward points
Spend Rs.1,20,000, 1,80,000, and 2,40,000 respectively in a year to receive voucher worth Rs.500
0% convenience fee on fuel expenses less than 5000rs
1% convenience fee on fuel expenses of 5000rs or more

American Express Membership Rewards Credit Card ⭐

Pay joining and spend Rs.15000 within 90 days to earn 4000 bonus membership reward points
Best shopping credit card
Get up to 20% off on selected dining restaurants
Earn 1000 membership reward points on the expenses of Rs.20,000 or more
Use card 4 times in a month and earn 1000 membership reward points (transaction should be of Rs.1500 or more)
Purchases of 5000 or above can be converted into EMI’s
0% convenience fee on fuel expenses less than 5000rs
1% convenience fee on fuel expenses of 5000rs or more
With the first annual fee payment of the card, get 5000 membership reward points

American Express Platinum Reserve Credit Card ⭐

Best Lifestyle credit card
Suitable for lifestyle
Spend Rs.30,000 within 90 days of joining to earn 11,000 bonus membership reward points.
Spend Rs.50,000 in a month and receive a gift voucher of Rs.1000
Spend Rs.5 lakhs in a year and earn a Taj stay voucher worth Rs. 10,000
Get free priority Pass membership, Taj Epicure membership, and Accor Plus Traveller Membership
Get 12 domestic airport lounge access yearly for free
Get 2 international airport lounge access yearly for free
Receive a movie or shopping voucher worth Rs.1000 on the expenses of Rs. 50,000 monthly
Get EaxyDiner Prime membership for free and get at least 25% off
Spend Rs.50,000 in a month and get 2 golf rounds monthly
Book a flight ticket with membership reward points
Pay card charges against membership reward points
Waive off fuel convenience fee at HPCL station (transaction up to Rs.5000)

American Express Platinum Travel Credit Card ⭐

Suitable for travelling
Spend Rs.15000 in first 3 months and get 10,000 membership reward points
Spend Rs.1,90,000 in a year and get 15,000 membership reward points
Spend Rs.4,00,000 in a year and get 25,000 membership reward points
Free 8 domestic airport lounge access yearly
Get up to 20% off on selected dining restaurants
No fuel convenience fee at HPCL station (transaction up to Rs.5000)

American Express Platinum Charge Credit Card ⭐

Suitable for lifestyle
Spend Rs.5000 in first 3 months and get 10,000 referral bonus membership reward points.
Spend Rs.50,000 within 60 days of issuance and get gift voucher worth Rs.60,000
Book two movie tickets at PVR INOX and get Rs.500 off
Get EaxyDiner Prime membership for free and receive up to 50% off in prime restaurants
Complimentary access to 30 and 50 golf courses, domestic and internationally, respectively
No fuel convenience fee at HPCL station (transaction up to Rs.5000)
Unlimited domestic airport lounge access at partnered lounge
Access to more than 1400 international lounges
Exclusive travel/hotel privileges
Exclusive benefits on world-class airlines
Earn attractive rewards on domestic and international expenses

American Express Gold Charge Card ⭐

Spend 10,000rs within 3 months of issuance and get 4000 membership reward points
Spend Rs.1000 six times in a month and receive 1000 membership reward points
Get up to 20% off on selected dining restaurants
No fuel convenience fee at HPCL station (transaction up to Rs.5000)
Complimentary air accident insurance

American Express Bank Credit Card Charges

Credit Card	Joining Fee	Annual Fee
American Express SmartEarn Credit Card	Rs.495	Rs.495
American Express Membership Rewards Credit Card	Rs.1,000	Rs.4,500
American Express Platinum Reserve Credit Card	Rs.10,000	Rs.10,000
American Express Platinum Travel Credit Card	Rs.5,000	Rs.5,000
American Express Platinum Charge Credit Card	Rs.66,000	Rs.66,000
American Express Gold Charge Card	Rs.1,000	Rs.4,500

*All charges are subjected to GST

Eligibility Criteria for American Express Bank Credit Cards

Here is the basic eligibility criteria list that’s required for American Express Bank Credit Card:

Age: the minimum age to get a credit card is 18 years

Income: As per the requirement of the card

Employment: Salaried or self-employed

Credit Score: Must have a good cibil score

Nationality: should be an Indian Citizen

Address: Must have permanent or current Indian address

Payment records: Shouldn’t have payment defaults.

Documents required for American Express Bank Credit Cards

The following documentation must be presented when applying for American Express Bank Credit Card:

Identity Proof: Aadhar card, PAN card, Passport, Driving License, and Voter ID

Address Proof: Aadhar card, PAN card, Passport, Driving License, and Utility bills

Income Proof: Latest Salary slip, form 16, and ITR

*In case of online application, no physical documents are required.

Application process for American Express Bank Credit Cards

You can either apply online or offline for an American Express credit card.

Online procedure for credit card application

Step 1: Visit the official website of American Express Bank

Step 2: Select ‘Credit Card’ page

Step 3: Go through all the card details thoroughly and then choose wisely

Step 4: Click on ‘Apply Now’ option

Step 5: Application form will appear in another window

Step 6: Now fill in your details like DOB, name, number, and PAN card.

Step 7: Recheck all details, now click on ‘save’ and continue further.

Step 8: Now fill in your bank details, recheck and save before submitting.

Step 9: After submitting, you’ll receive a confirmation from the bank.

Step 10: Lastly, the bank will ask your documents related to legal status and identity.

The bank will get in touch with you in 15 days if your application is accepted. However, the bank will provide its decision within 90 days of your application if you haven't heard back from them within 15 days.

More Details - Findcreditloan.com

Offline procedure for credit card application

Step 1: Visit your nearest American Express Bank.

Step 2: Ask the bank executive to provide you the credit card application form.

Step 3: Fill the form and submit all the required documents.

Step 4: Wait for approval.

If your card application is approved, the bank will deliver your card at your doorstep.

*You can also directly apply for a credit card from the Findcreditloan website.

Frequently Asked Questions (FAQ)

How to increase the credit limit on an American Express card?

To increase the limit of your Amex credit card you need to fulfil certain criteria such as timely payments, low credit utilisation report, use the card frequently but wisely, and maintain a good credit score. These factors can help you in increasing the limit of your credit card.

You can also increase the limit of your credit card by requesting the bank, checking bank offers, or opting for a card that offers higher credit limit.

Can I use my Amex credit card internationally?

Yes, you can use your Amex credit card in abroad, however you have to pay a 3.5% markup fee on international currency transactions on your expenses.

What is the minimum salary requirement for American Express card?

Each Amex credit card has a different minimum wage criteria. A person must, however, earn at least Rs. 4.5 lakhs per year, with the possibility of earning up to Rs. 6.5 lakhs per year. So it is advised to check the minimum income eligibility criteria before applying for any Amex card.

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