The American Express is a global travel, financial and network service provider. During 2008, the American Express bank had tied up with other corporates in India including Indian Airlines, Mahanagar Telephone Nigam Ltd (MTNL) and India Today Group to launch co-branded credit cards. These co-branded cards give the customers posh privilege offers while purchasing respective partners products or services. During 2016, the bank accounted for 22.9% of the total dollar volume of credit card transactions in the United States of America. As of December 2016, the American Express had 109.9 million cards in circulation, out of which 47.5 million cards were in circulation in the United States, each with an average annual spending of $17,216.
The American Express Company is popularly called as Amex.
It is an American multinational financial services company, which has its operations through out the globe. It is headquartered in Three World Financial Center in New York City.
American Express was founded in 1850. It is best known for its charge card, credit card, and traveler’s cheque businesses.
The American Express Bank Limited commenced its operations in India in 1921 and hence has its significant presence in India. It has two centers located one each in Gurgaon, Haryana and on Mathura Road in New Delhi. It provides credit card business for the domestic Indian customers.
The following are the features of American Express Credit Card
• An alternative to Cash – Credit cars of American Express is a better alternative to cash. It eliminates the necessity to carry cash of various denominations to pay at the trade counters. It is easy and the best to use a credit card rather than making payments by cash.
• Payment can be made in domestic and foreign currency – With the use of American Express Credit card, the payments can be done in any currency of preference. It gives the holder a special benefit to make payments either in terms of domestic currency or in terms of foreign currency as and when required.
• Earn Points – American Express Credit card helps the customers to earn multiple points from more than 40 Payback partners and Payback points from American Express Payback Credit card for every spends.
• Pay-in-Parts Privilege – American Express Credit card provides a simple and smart way to turn big purchases of Rs 5,000 and above into easy monthly installments (EMI). It offers loan facility at a low rate of interest, without any kind of paperwork or foreclosure charges.
The following are the benefits of American Express Credit Card
• Membership Rewards – American Express Credit cards provide membership rewards to its customers. It provides dining vouchers, gift cards and vouchers, travel vouchers, shopping vouchers and jewelry vouchers which can be redeemed against the accumulated reward points.
The accumulated points can also be redeemed for groceries, travel, fashion and accessories, electronics and one can also shop with the accumulated points.
• Cardmember Offers – American Express has tie-ups with leading brands in the world which provides attractive offers for the customers. The leading brands are from all the segments ranging from groceries, healthcare, travel, hotels, dining, retail outlets and so on.
• Online Services – With the advent of the internet, the banking transactions can be done conveniently at one's fingertips. American Express offers its customers easy access to avail its facilities through online services. The customer can pay the card bill, apply for a supplementary card, check the list of transactions, and so on through online conveniently.
• Insurance – American Express Credit card has tie-ups with some insurance companies in India which includes, ICICI Lombard, Bharti AXA General Insurance, and PNB MetLife India. It provides an array of insurance facilities to the cardholders – travel insurance, car insurance, health insurance, personal accident insurance and life insurance.
• 24x7 Customer Service: Get a personalized 24x7 service to solve any queries related to American Express Credit Card. No matter where you are, just get in touch with the customer care service and get assistance on your go.
• Seamless contactless payment: With the American Express Card, you get the extra value of Contactless Transactions. It's a convenient and smart way to spend less than INR 2,000 for all of your purchases. Just allow the retailer to tap your card on the Contactless machine at Point of Sale and you are done, no need to enter your credit card PIN any more.
• Zero Lost card liability: In case you lost your card the Zero Lost Card Liability2 of American Express will cover you from any unauthorized transactions that have been made from your card. Simply report the embezzlement within 3 days of the card loss and your liability will be zero. For full specifics please refer to MITC.
• Card replacement: In case you lose your card, it will be replaced within 2 days by American Express. No matter where you are, replace your card and make your day hassle-free.
• Online Fraud Security: You will not be responsible for any fraudulent charges in case of any fraudulent activities held with your credit card.
The Applicants who wish to apply for an American Express Credit Card can do so by either visiting the nearest American Express Branch and applying for the desired credit card
can also apply for the Credit Card through the bank’s website.
can contact the bank by calling the customer care Merchant services toll free number at 1800-419-1414 or 0124-280-1414 (landline) from Monday to Saturday between 10 am to 9 pm.
Applicants can directly walk into the nearest branch of the American Express Bank and express the desire to obtain a credit card from the bank. The bank executive will explain them about the features of all the credit cards after understanding the annual income, needs, and requirements of the prospective customer.
Once the applicant zeroes in the card as per the requirement, he/she will be asked to fill in the application form and enclose the required documents which include PAN card, identity proof, address proof, income proof and so on.
The bank representative will thoroughly go through the application form along with the other submitted documents provided by the applicant and will take a final call whether the applicant meets the eligibility criteria for the credit card for which they have applied for. Once the check is done the applicant will be provided with the desired credit card.
It will be at the discretion of the American Express Bank to decide if a customer has to be given Credit Card or not.
To apply for American Express Credit Card through online, visit the bank's website portal and then click on the cards option which is present on the topmost left side of the web page.
Now select the Credit Cards under the Personal Cards section, it will take you to the credit cards page which shows the different types of credit cards offered by the bank along with the features, reward points, benefits, offers and so on. Go through all the credit cards offered by the bank and analyze the best one which suits your individual needs and requirements. After zeroing on the card of your choice click on the Apply now button which is shown in highlights. It will take you to the eligibility application page, where the terms and conditions of the credit card and the bank will be mentioned.
Keep a copy of the list of documents mentioned in the page before moving ahead and go through these documents carefully and after understanding all the terms and conditions click on the space provided to give your consent that you have read and understood all the details as mentioned in the eligibility application and click on Get Started option.
The page asks you to give information about yourself, fill in all the details correctly as per the requirements. The list of information includes:
• First Name
• Middle Name
• Last Name
• e-mail Address
• Mobile Number
• Date of Birth
• Annual Net Income (Note: The applicant will be eligible to apply for credit card, only if his/her net income on an annual basis should be more than the set limit as prescribed by the American Express Bank)
• PAN Number
• Residential Address Details
• PIN Code
After filling in all the above-mentioned details, now click on Save and Continue option. It will take you to a new page wherein you have to fill in the details regarding
• Existing American Express Card Number, if any – so that the same may be considered for your existing KYC Documents.
• Employer Details
* Employment Status
* Company Name
* Company Address
* Pin Code
* Landline number along with STD Code
* Office number
• Other Details
* Educational Level
• Aadhaar Card number
• Is the address on your KYC documents is same as your current residential address?
Once the above-mentioned details are filled in click on the save and continue option to review and submit the form lastly.
Once the details are filled in, the bank will check whether the candidate is eligible to avail the credit card for which they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card, it will be on the discretion of the American Express Bank to decide if a customer has to be given Credit Card or not.
• Applicant should be over 18 years of age.
• Applicant should have a good credit history and no payment defaults.
• If the applicant is self-employed then his/her company should be trading for more than 12 months.
• Applicant should have a good CIBIL score.
• The applicant's personal annual income should be equal to more than the required level as set by the American Express Bank. (depending on the type of the credit card, the income requirement varies)
• Recent passport size photograph
• Aadhaar card
• Latest salary slips / Income Tax Returns / Form 16
• Residential Proof documents – Election Voter ID, Passport, Ration Card, Electricity Bill, Driving License
The Credit Cards offered by American Express are designed to provide ultimate assistance to the cardholders. It has various features like lifestyle deals, travel benefits, payback points, reward points redemption scheme and so on at the international level, which attracts most of the valuable customers. The card is drafted keeping in mind the obligation of the global customers.
When you need to do all the banking and financial needs on your credit card, they are done on a personalised 24x7 service with American Express Credit Card. No matter where you are, just get in touch with the American Express Customer support and get an instant assist on your go. With Emergency Card Replacement facility replace your Card usually within 48 hours and make your travel hassle-free.
Apply for American Express Credit Card and get covered with Zero Lost Card Liability. If an unauthorized transaction is done using your Card, and the fraud is reported within three days, the liability will be nil. If after three days the fraud is reported your liability will be up to Rs 1000. Make secure payments on your go with Amex Pay. To start making QR code-based or contactless payments, just sign in to the American Express App and register for Amex Pay.
Rewarding Benefits and Offers
Having an American Express Credit Card is a perfect opportunity to reap the rewards of lifestyle. As a cardholder get premium benefits such as curated culinary experiences, special shopping deals or simply replenish yourself at the spa. American Express deals with you with offers across categories such as travel, shopping, online merchants, retail, fitness and more, at any phase of your journey. You can even discover personalized offers tailored to you through Amex Offers. All you need to do is sign into your online account with a simple click and save the deals you need.
Reward yourself with one of the most popular rewards programs where you earn Membership Rewards Points for your each and every transaction. With the American Express Membership Rewards Catalog, you can redeem your points with a range of options. Redeem your accumulated reward points and give yourself a treat across a range of hand-picked rewards over 500 + redemption options across categories such as travel, accommodation, electronic products, premium retail and more. With cards such as American Express Platinum Travel Credit Card, American Express Membership Rewards Credit Card, American Express SmartEarn Credit Card, you can experience the ability to earn and redeem your points.
You are automatically granted to use our premium Concierge Service using the American Express Platinum Reserve Credit Card. A professional team is on service 24 hours a day, able to respond quickly to all the needs of your lifestyle. If you're scrambling with last-minute reservations or even failing to send gifts on your anniversary to a special individual with American Express' effective support, you can live confident. Get in touch with the customer service 24x7 anytime anywhere.
You can apply for any of the American Express credit cards on Wishfin, online credit and investing portal that helps you compare and choose the best deals available.
Wishfin has a group of executives who handle your request from pre-approval to post-approval. You will be updated on the status of the application by the dedicated staff here.
You can apply for your favourite American Express credit card in this neutral online marketplace.
WhatsApp Chat - There is one more option to Apply for American Express Credit Card at Wishfin by using WhatsApp chat.
Yes, a few chats on your WhatsApp can also help you apply for an American Express credit card at Wishfin.
So just visit the official Wishfin website and follow the steps below to do the same.
You are enabled to earn loads of lounge benefits with the American Express Global Lounge Collection ® and your Platinum Card, along with access to 1,200 + airport lounges at more than 500 airports across the globe. If you're searching for a space to relax and refresh or a spot to finish up your work, appreciate and rely on our growing network of lounges throughout 130 countries.
Access criteria & Regulations for guests
Below are the criteria to get access and applied regulations for guest across several lounge network.
1. The Centurion Lounge
Before entering, you must submit your valid Platinum Card, a boarding pass displaying your reservation for the same day, and an ID proof issued by the government. With your Platinum Card, you may enter up to two complimentary family members or guests.
2. International American Express Lounges
You must submit your authorized Platinum Card, a boarding pass displaying reservation details of the same day, a government-issued ID proof in order to get access to the lounge. For information on individual American Express lounge entry criteria, please go through the lounge details page for the selected lounge.
Nowadays, airport lounges are conveniently accessible for free, because plenty of payment cards come with lounge memberships perks. However the American Express Platinum cards provide access through their Global Lounge range to the widest selection of lounges. Whether you have American Express Platinum Card or American Express Business Platinum Card, you are enabled to experience seamless and luxury lounge benefits with complimentary foods and drinks. The American Express Platinum Card and American Express Business Platinum Card are also perfect frequent flyer programs and come with best travel perks, such as flexible lounge memberships and more. So let's glance at how you can access nearby lounges with the Amex Platinum cards, to reap the full advantages of this benefit.
American Express makes it simple and seamless to find a lounge under its platform. To find the best lounge access according to your budget and desire, please follow the below-given points.
Step 1: Visit the Amex Global Lounge Collection page and enter the name of your airport or city on the search box.
Step 2: The Amex Platinum cards offer you access to a variety of popular lounge services like the Amex Centurion Lounges and more. Therefore the Amex Platinum cards offer you more selection of lounges at several airports, as compared to any other card.
Step 3: Under the list of lounges choose the lounge you want to visit and click on the “Find Out More” option.
Card larceny occurs millions of times a year and it remains one of the most increasingly rising crimes. Card fraud occurs if anyone has your Bank account number, and then conducts fraudulent payments with it. American Express treats card frauds very strictly. Below are some examples of how American Express protects your card against fraudulent activities.
Self-Selected User ID and Password: When you register into net banking to manage your account online, American Express helps you to generate your own User ID and password to access your account online. Through processing, this information is protected using the 128-bit encryption technique.
Secure Website for Servicing Your Account: American Express utilizes 128-bit Secure Sockets Layer (SSL) technology. American Express utilizes Secure Sockets Layer (SSL) technology and is 128-bit. This ensures that the data transferred between American Express and you are authenticated and can't be accessed by any other individual.
Automatic Time-Outs: If you manage your American Express card online, the session automatically expires if you don't perform any transactions within 10 minutes. You'll need to re-enter your User ID and Password to continue using your account online.
Remember Me: Remember your User ID on your device on the American Express website, and your User ID will automatically be entered into the sign-in field whenever you visit the page. A fake domain won't be able to display your Login ID; this will let you assume that you're not on the authentic American Express platform. Note: The "Remember Me" feature should not be used on a public or shared device.
American Express strives to tremendous efforts to prevent illegal usage of the Card. From the below-listed examples, you can find how American Express protects your card from fraudulent activities.
American Express SafeKey: With American Express SafeKey your online shopping experience is completely secure and reliable as SafeKey alerts you with an OTP before initiating a transaction, ensuring that your card is secured from online frauds.
Guaranteed fraud protection: Fraud protection assurance ensures that you will not be found liable for any fraudulent charges while using your American Express Card. This complete and guaranteed protection enables you to shop securely anywhere anytime.
Authorized User Verification: You will be asked to provide your complete billing address and/or "CID" (Card Identification Digits) when using your American Express Card at several retailer or online sellers. American Express relates such specifics to the file address or CID to help ensure that the card is managing or using by you. This specific is intended for safety purposes only. It is not used for marketing purposes, nor used by the merchant.
Tracking your account for fraudulent transactions: American Express has advanced processes and measures in order to identify illegal activities and secure your accounts from misuse.
Irregular Account Activity Alert: American Express reports suspicious activity on your account. To verify its authenticity American Express will contact you instantly.
Account alerts: Stay updated with your accounts with Account Alert e-mails or text messages. You can sign up to receive e-mails or text messages for current balance, payment due, or any.
American Express Credit Cards and Charge Cards deliver rewards and advantages customized to your quality of life and desires. The American Express Travel Credit Cards have much to promise you if you are a frequent traveller or are looking for travel rewards. Amex also offers reward cards that give you points towards Membership Rewards on each transaction.
Charge cards are unique from credit cards as they come with no pre-set spending cap. Which ensures that your charges are accepted relying on your pattern of expenditure, credit record and spending history. Thus Charge Cards therefore offer you versatility in financial terms. At the other side, credit cards have a fixed cap so they give you versatility when reimbursing your monthly credit card bills.
To enhance and enrich your lifestyle, reward yourself by availing any of the exclusive cards for special benefits. Enjoy the customized experience with the Platinum Concierge which enables you to locate schedule gatherings, render travel arrangements and more.
American Express Travel Credit Cards have all the functionality you need to render your holiday extra enriching.
Amex Reward Cards are convenient because you choose to get your credit card reward you with something special to use. To get you started, these cards have special welcome rewards with bonus Membership Rewards points.
American Express® credit card users can contact the bank's customer service by phone, email and SMS. It depends on the type of credit card which you are using. Here are the details mentioned below:
American Express Bank Credit Card Customer Support Number:
American Express customer care numbers are different and have separate customer care numbers for its credit card users based on the type of credit card they have. You can also contact American Express on these numbers instead of the aforementioned toll-free number. The numbers are:
American Express Platinum Reserve Credit Card
1800 419 1030*
1800 180 1030
American Express Gold Credit Card
1800 419 2122*
American Express Platinum Travel Credit Card
1800 419 2122
American Express SmartEarn Credit Card
1800 180 1249
American Express PAYBACK Credit Card
1800 419 0726
American Express Membership Rewards Credit Card
1800 419 0167
American Express Gold Card
800 419 1120*
American Express Platinum Card
1800 419 1255*
1800 180 1255
Air India American Express Gold Card
1800 419 1266*
1800 180 1666
Air India American Express Green Credit Card
1800 419 1261*
1800 180 1261
NOTE: American Express credit card holders can contact their customer service number 24/7 with any questions or complaints. American Express strives to provide customers with the best service they deserve. Their toll-free number is:
Automatic Bill payment enables the cardholder to set up the bills that will be charged to the respective card automatically. The cardholder has to contact the service provider once and provide them the details of the card and authorize then to charge your card automatically for each and every bill. Once it is set up, the cardholder need not have to worry about any due date or missed payment date, late fees or any kind of service interruptions. All the bills will be paid automatically.
American Express Contactless Card contains a plastic built-in antenna. This antenna utilizes Near Field Communication Technology to securely transmit encrypted payment details between the American Express and the Merchants. All data is transmitted through radio waves, so physical contact between the card and the terminal is not required. For the payment to happen the card must come under 4cm of the terminal monitor. You will get to know your card is accepted by a light/or sound beep. Tap Pay and Go with the additional feature of Contactless Payments in your American Express Card. It is a convenient and smarter way of payment which enables cardholders to not provide any PIN for payment of less than Rs 2000. Contactless card has secure encryption technology like other American Express PIN Card.
American Express Contactless is highly secured as the information exchanged between American Express and the Merchant is coded and safely transmitted.
A cardholder can visit the nearest American Express Bank and meet an executive and inform about the intention to close the existing credit card.
Fill in the details of Credit Card Closure Form and submit the same to the Branch Manager. Once the process of cancellation is initiated, the cardholder should cut the respective credit card diagonally. The request will automatically lead to the termination of the add-on cards.
Termination will be effective after payment of all amounts outstanding on the card account.
Cardholders can also download the Credit Card Closure Form. After filling up the form the same can be sent to The Manager of American Express Bank at the below-mentioned address: American Express Banking Corp., Cyber City, Tower-C, DLF Bldg. No.8, Sector-25, DLF City Ph-II, Gurgaon – 122002, Haryana, India.
The Cardholder can also call the Customer Care of the American Express Bank and can cancel their credit cards at any point of time by calling the toll-free number at 1800-419-1414 for Merchant Services or 0124-280-1414 (landline) from Monday to Saturday between (10 am to 9 pm).
For terminal or technical assistance the cardholder can contact EDC Helpdesk at toll-free number 1800-419-1414 or 0124-280-1414 from Monday to Saturday between (10 am to 9 pm).
For queries regarding transaction authorization, the cardholder can call at 1800-419-5960 (Toll-Free) or 0124-280-1010 (Landline). The authorization help desk is operational for 24/7.
American Express is the world's largest supplier of credit cards and charge card. A no-preset spending limit is provided through American Express Credit Card. This assumes that your charges are endorsed on the basis of your spending pattern, your finances, your credit score, your account history. Charge cards require reimbursement of the entire balance of money spent on the card each month. A late payment fee is charged to the account in case of a partial payment/no payment. Today most of us need to have quick access to extra money. Even we have cash in our bank account, we need to pay bills and make purchases. This is when a Charge Card or Credit Card will increase our spending limit. These are the distinctive advantages of charge cards. The way you intend to use it determines to a large extent which card you choose. Also, you should recognize which card benefits are most attractive to you.
Fraud and Shopping Protection
If we detect a questionable transaction on your account, we will contact you to verify its legitimacy of fraud activities are rising in credit card. Whether it is shopping related, identity fraud, card fraud, card is stolen, Email fraud etc. To overcome this fraud American Express brings you the security tips which protects you from online fraudulent.
Online Protection- American Express provide high-end security to defend your card from online theft.
Self-selected User Id and Password.
American Express allows you to create your own User Id an American Express provide high-end security to d Password to activate your account once you sign up to manage your account online. Using 128-bit encryption technology, this data is authenticated during transmission.
Secure website for servicing your account.
Secure Socket Layer (SSL) technology is used by American Express to ensure that the information exchanged between American Express and you will be protected when you are using the secure website of American Express which can't be accessed by any other entity.
Your session will automatically end if you don't make any purchases under 10 minutes. You will need to re-enter your Id and Password in order to continue using the online account.
If you remember your User Id on your computer, at the time of return to your account the American Express website will automatically enter your User Id in the box. Spam site will not be able to utilize your User Id, this will let you assume that you are not on the official website of American Express.
It is suggested that you should not use “Remember Me” in Public or Shared Computer.
American Express provides high-end security to prevent fraudulent use of your card. Below are some examples of how we can counter fraudulent use of our card.
American Express SafeKey
Now online shopping is completely safe and secure because SafeKey feature notified you for each purchase with a one-time-key to shield yourself against online fraud.
Fraud Protection Guarantee
The Fraud Protection Guarantee ensures that when you use the American Express Card, you will not be held responsible for any fraudulent charges. No attached paper, no waiver, just simple protection so you can shop anytime online or offline with any-kind of ease.
Authorized User Verification
You may be required to provide your complete billing address or Card Identification Digits (CID) when using the American Express Card in retail stores and online platform. American Express applies this details to the address or CID of the username to confirm that it is you using the card.
Monitoring your Account for Suspicious Transactions
American Express has advanced detection and management systems in place to identify fraudulent activity and secure the accounts of cardholders from any type of misuse. If there is a suspicious payment in your account, American Express contact you instantly to check its legality.
Manage your account with Email and SMS alerts. You may sign-up to receive E-mails and SMS to remind you with your payment due, received payment details and details of your current balance. Get 24*7 customer support by phone, text or e-mail.
American Express Contactless Card contains a plastic built-in antenna. This antenna utilizes Near Field Communication Technology to securely transmit encrypted payment details between the American Express and the Merchants. All data is transmitted through radio waves, so physical contact between the card and the terminal is not required. For the payment to happen the card must come under 4cm of the terminal monitor. You will get to know your card is accepted by a light/or sound beep. Tap Pay and Go with the additional feature of Contactless Payments in your American Express Card. It is a convenient and smarter way of payment which enables cardholders to not provide any PIN for payment of less than Rs 2000. The contactless card has secure encryption technology like other American Express PIN Card. American Express Contactless is highly secured as the information exchanged between American Express and the Merchant is coded and safely transmitted.
With Amex Charge cards you don't need to worry about travel benefits. With this card, you can enhance your travel with the flexibility of spending.
Air Travel Facilities: Book through Platinum Travel Services, from flight tickets to airport pickups, from car hire to privileged check-in and hotel booking. Cherish innovative rates & discounts through the Airline Partner Program with leading airlines such as Air India and Etihad.
Global Lounge Benefits: As an American Express Platinum Cardholder you can experience lounge perks worth Rs 35,000 at more than 1200 airport lounges like the Centurion Lounge and the International American Express Lounges or else you can also visit one of the leading partners like Delta Sky Club and Priority Pass Lounge.
Amazing Resorts and Hotels: Book through Platinum Travel Services and enjoy competitive rates and personalized offers at over 1000 extraordinary properties worldwide.
American Express provides a variety of charge cards to suit your requirements. Premium Charge Cards are available with exclusive perks and services that will help you cherish the most outstanding lifestyle experience. American Express Charge Cards provide benefits and advantages suited to your lifestyle and desires. As compared to credit card, charge cards have no pre-set spending cap. This means that your fees are approved based on your spending habits, credit and account history. Thus charge cards provides you a better cash flow and fiancial flexibility.
Go through the below given benefits of the charge cards and make your lifestyle more premium.
Follow the below-given steps to apply online for Amex Charge Card
By signing in, American Express Credit Cardholder to get in touch with the entire transaction details done by their credit card. It is one of the most convenient and secure platform to get access to your credit card. No matter where you are just with your American Express Id and Password you can explore the world of benefits anytime anywhere. Scroll down and get to know the login process.
How to Login
For existing user
For New User
To pay for your daily life usages American Express provides online and offline mode. Both modes are useful to make payments. No matter which mode of payment you are using for, but for every successful payment it will increase your CIBIL Score. Clear your all credit card pending dues with a convenient method. Scroll down and get to know about different types of payment offered by American Express Credit Card.
Online Fund Transfer through NEFT
NEFT is one of the mostly used payment options if your payment due date is closer to you. Make your American Express Credit Card as Payee in order to start the transaction. The following details are mandated to fill in order to register your card as payee.
IFSC code is not required if the payment is done by Standard Chartered Online Banking. Just select the option “Transfer to another SCB bank account” to start the payment process.
Online Fund Transfer through UPI
This is one of the widely known payment modes nowadays. You can pay your bill payments via UPI, by following the below-given steps.
No matter where you are, pay your American Express Card Bill through your Bank Account. Online Payment service is currently available for more than 50+ participating banks in India. Go to the BillDesk portal through American Express' official website and enter all the following details to make the payment.
Direct Debit / NACH
Through Courier Facility
Through American Express App
In order to pay your credit card dues instantly, IMPS is the best option nowadays. To make payment through IMPS facility, go through the below-given steps by steps guide.
To make a bill payment via offline American Express Credit Cardholders can also drop draft or cheque to any of the American Express branches in favor of the American Express card number (15-digit card number). If you want to submit the draft or cheque via courier, you have to send it to the below-given address of American Express Banking Corporation office in Gurgaon,
American Express Banking Corp.
Cyber City, Tower-C, DLF Bldg. No.8,
Sector-25, DLF City Ph-II,
With Paytm Bill Payment getaway you don't have to worry about the due date and late payment charges for American Express Credit Card. Paytm's simple and convenient Credit Card Bill Payment helps you to pay easily from anywhere anytime. Just go through with few taps on your mobile screen and you are done with it. To know the process for American Express Credit Card at Paytm, please follow the below-given steps.
There are 3 options to set up automatic credit card payment. It's easy. Just log into your account, click on the payments tab and choose the option to set up automatic or recurring payments.
You can choose the amount you pay each month as long as you make at least the minimum payment. Credit card companies typically offer a combination of these three automatic payment options:
1. Pay the minimum amount due monthly:
Setting an automatic payment of at least the minimum amount due is a good safety measure if you are worried about forgetting to pay an invoice but are concerned that the total balance due will be automatically deducted from your bank account.
If you have a balance on your credit card, a high APR can make it difficult to pay off your debt. But there are ways to lower the interest rate on your credit card, including negotiating a reduced APR with your credit card issuer.
2. Clear the full balance:
Setting automatic payments for the full balance is the best bet if you use your card for routine spending to accumulate rewards.
If you go this route, it's a good idea to make sure your bank account is empty so that an additional purchase or debit transaction on a wrong day doesn't trigger overdraft fees, which could also include return fees.
And, if you think there's a chance you'll ever use a credit card to fund an emergency purchase that you'll want to pay off over time, get a second low-interest card just there. On this card, you can set up automatic payment only for the minimum payment.
3. Pay a fixed amount:
Setting a recurring payment for a set amount greater than your minimum payment may be a good strategy if you've built up a balance, stopped shopping on that card, and are working on paying off debt.
Having a set amount automatically coming out of your account each month can help you pay off that debt.
If you'd rather have more control overpayment, you can achieve the same goal by using online bill payment through the bank where you have your checking account.
But if you go that route, there's a small chance you'll run into a delay or problem because your bank, rather than your credit card company, initiates the transaction.
To make sure the minimum is paid on time, you can set up automatic payment for the minimum payment through your credit card company.
All IFSC credit card codes are mainly utilized through electronic fund transfer mechanisms such as National Electronic Funds Transfer (NEFT) to cover the unpaid monthly bills. The Reserve Bank of India (RBI) assigns the code to all banks. Indian Financial System Code, also known as IFSC, is composed of 11 distinct characters, both numerical and alphabets. IFSC credit card code of American Express or Amex is SCBL0036020. The key benefit of this bill payment method is that it is convenient, and you don't need to have a savings bank account with the bank issuing the credit card. Standard Chartered Bank processes Amex credit card bill payments in India as of now. Someone with a bank account already don't need to use the IFSC code to make payments. Standard Chartered account holders may choose the option to transfer funds for credit card bill payments to another SCB bank account.
How to get American Express Credit Card IFSC Code
Below are the steps to know or get the American Express Credit Card IFSC Code.
For an individual, it is not necessary to go through a long and lengthy process to complete a credit card bill payment. After registering the card as beneficiary, all bill payments can be rendered using NEFT. The step-by-step process included in the payment of bills through National Electronic Funds Transfer is listed below:
To register your card as a beneficiary, go through the below-given details:
American Express provides credit card statements for its credit card customers per month. A credit card statement is essentially a billing document that includes a list of the user's credit card related expenditures. At the end of the billing cycle, the billing statement is sent to the customer. American Express' statements can vary because each credit card has various features and provides specific benefits, but the general format of the credit card statement remains the same.
American Express credit card statement contains the following details:
Last Balance: It informs the individual about the outstanding dues remains on his/her credit card on the closing day of the billing period.
Last Credits: Display all transactions and credits that have been credited to your account after the last day of your recent statement.
Last Debits: The money spent on all the purchases that have taken place in your last statement. The last debits doesn't include any fees or interest charges.
Current Balance: It is your last Statement balance excluding all recent transactions and credits that have been received including all charges that have been added to your Account since the last day of your statement cycle.
Outstanding Balance: This is the outstanding balance in your credit card that you have to pay within the due date. The outstanding balance depends on the balance remaining on your last Statement except any transactions or credits added to your account after the last day of your recent statement period.
Opening Balance of the statement: According to the Last Statement Balance, this is the amount that shows the current outstanding on your credit card at the beginning of your billing cycle.
Mostly the credit card statements may contain flaws that may be relevant to the credit card holder's personal or financial records. Therefore it is recommended to the cardholder to fix the errors instantly. By going through the below-mentioned suggestions you can fix the errors of your credit card statement.
American Express will send to Cardmember a statement once a month describing all transactions, cash advances, payments and other charges along with the Credit Limit and the available Credit Limit for each billing cycle during which any operation or balance outstanding on his / her account occurs. Failure to receive the statement for any purpose of any kind is not a legitimate reason for failing to pay at least minimum bill amount. If the Cardmember does not deliver the statement within 10 days of the date of his standard Statement Date, then he / she needs to get in touch with the American Express by calling on the customer helpline numbers. However, for the period in which there was no outstanding due and no transaction on the Account over the past month, then no statement will be issued.
After applying for American Express Credit Card one can track the status of the credit card through online and offline process. Below are the methods for both online and offline process. Scroll down and know the steps to track your American Express Credit Card Status.
Check your American Express Credit Card Status by Email and American Express Customer Service
Through Customer Care Number
To track the status of your American Express Credit Card, you can also go through Email service. Mention your 14-Digit App Reference Number and other contact details and send it to:
By Visiting the nearest Branch
You can also go to the nearest branch and meet Credit Card Executive or any Bank Representative to track the status. Provide your 14-Digit App Reference Number and any Id Proof to start the process. Once the process is completed get the status of your American Express Credit Card.
After checking the status of American Express Credit Card through online process one can see the below-mentioned results.
24,000 MR points / 24 Karat Gold Collection:
18,000 MR points / 18 Karat Gold Collection:
Enjoy amazing offers across all your spending habits and make your lifestyle more luxurious with American Express Credit Card.
Roseate Hotels and Resorts
The Biere Club
Ferns n Petals
Get in touch with American Express Credit Card Customer Service on the below-given numbers.
+91-124-280-1800, 1800 419 3646.
Apart from this, an applicant can also send an email to the email@example.com
Q: How many types of credit cards are available with American Express?
A: American Express is providing Credit Cards based on three categories:
1. Premium cards: American Express Platinum Card, Jet Airways American Express Platinum Credit Card, American Express Platinum ReserveSM Credit Card.
2. Travel cards: American Express Platinum Travel Credit Card, Jet Airways American Express Platinum Credit Card, American Express Platinum ReserveSM Credit Card.
3. Rewards cards: American Express Membership Rewards Credit Card, American Express Gold Card, American Express Platinum ReserveSM Credit Card.
Q: What is a charge card?
A: Apart from credit cards, American Express also gives charge cards which do not have a pre-defined limit. Any outstanding amount on a charge card must be paid in full on or before the due date.
Q: What are Membership Rewards?
A: American Express credit card holders earn membership rewards whenever they use their credit card. The rate of reward-earning is different for different cards. Accumulated membership rewards can be redeemed against vouchers and merchandise given in American Express Rewards Catalogue.
Q: What happens if I pay more than the Total Amount Due?
A: The extra payment is reflected in your statement/account and will be adjusted against future expenses.
Q: How can I update my email address and contact details on my American Express credit card account?
A: If you are using Amex online banking facility, you can update your details through Netbanking. Alternately, you can call up Amex customer care or visit their nearest branch to update the details.
Q: Who can avail American Express Credit Cards?
A: American Express provides Credit Card only to High Net Worth Individuals (HNIs). They should also have a regular source of income and a running credit history. The income requirements may differ from one card to another. However, applicants must fall in the specified age bracket and must be an Indian Resident or NRI.
Q: What are the basic features of American Express credit cards?
A: American Express providing attractive features for Credit Card Customers as follows:-
Q: How does a credit card differ from a debit card?
A: The money that you draw out via debit card is your own money which is debited from the bank account linked to your card. On the other hand, the money that you spend or withdraw cash via a credit card is more like a short term loan granted by the card issuing entity. Instead of paying off this short term loan on a per use basis, all your expenses get converted into a consolidated bill at the end of the billing cycle.
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: What benefits accompany an American Express Platinum Reserve credit card?
A. There are many benefits associated with the American Express Platinum Reserve credit card. Some of them are: