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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.

List of American Express Credit Cards

 American Express Company

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.

Features of American Express Credit Card

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.

 Benefits of American Express Credit Card

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.

American Express Credit Card Apply

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

Or

can also apply for the Credit Card through the bank’s website at https://www.americanexpress.com/in/

Or

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.

How to apply for American Express Credit Card through Offline?

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.

How to apply for American Express Credit Card through Online?

To apply for American Express Credit Card through online, visit the bank's website portal at www.americanexpress.com/in/ 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

• Gender

• 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

• City

• State

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

* City

* State

* Landline number along with STD Code

* Office number

Other Details

* Educational Level

• Aadhaar Card number

• Nationality

• 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.

Eligibility Criteria to apply for American Express Credit Card

• 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)

Required Documents for American Express Credit Card

• 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

Why Choose American Express Credit Cards?

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.

What is Automatic Bill Payment?

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.

Contactless Payment

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.

How To Close American Express Bank’s Credit Card?

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 Charge Card

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.

Automatic Timeouts

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.

Remember Me

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.

Purchase Protection

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.

Account Alerts

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.

Contactless Payment

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.

American Express Credit Card Login

American Express credit card is a feature for 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 benefits of American Express Credit Card Login and how to use it

Login for your American Express Credit Card and enjoy the benefits

  • Get access to Billpay service
  • Make online payments
  • Check your account details
  • Check your credit card score
  • Get access to use Internet Banking
  • Get access to Bill Consolidation
  • Get 24x7 customer service
  • Check your credit card status
  • Get access to track your lost or stolen credit card
  • Make your mobile or DTH recharge
  • Get access to credit card visa transfer feature
  • Manage your scheduled bills
  • You can check your bill payment history.
  • You can add new billers according to their location
  • You can view/download your credit card statement
  • Make enquiry of your transaction status
  • Get access to see your transaction limits and charges
  • Get notification about your next credit card payment date.
  • Applicants can make a secure login with face and touch id.
  • View and manage your reward points
  • Get all personalized alerts and reminders
  • Download PDF statement of your last 6 months spending history
  • Get notified on purchase and spends
  • View your recent transactions 24x7
  • Tap and Pay with contactless Amex Pay feature
  • Stay updated with your reward points balance
  • Now just tap on an eligible transaction on your statement for the option to use your Membership Rewards points to pay
  • Get to know about your nearest Airport Lounge instantly
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Go paperless and enjoy the download of PDF statements of all your transactions

How to Login

For existing user

  • Go to the official site of American Express Credit Card
  • Click on Login, which is located on the top bar of the page
  • Enter your User Id and Password
  • Under the drop-down box, select Card – My Account
  • Click on the Remember Me icon to save your Id and Password for future login
  • Now click on Login and explore 

For New User

  • Go to the official site of American Express Credit Card
  • Click on Login, which is located on the top bar of the page
  • Now click on Register for Online Services
  • On the next page enter your 4-digit card ID and 15-Digit card number, click on submit
  • Now set up your card details by entering your date of birth details, your mobile number and name.
  • Set your User Id and Password as per your preference.
  • By entering all these details, click on submit to generate OTP
  • Enter the OTP on the required box and click on finish
  • A successful message will be delivered to your registered mobile number with your new User and Password.

American Express Credit Card Payment

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. Scroll 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.

  • Payee Name- American Express
  • Payee Account Number- Your 15-Digit Card Number
  • Bank Name- Standard Chartered Bank
  • Payee Account Type- Current
  • IFSC Code- SCBL0036020
  • Branch Address- Standard Chartered Bank, Narain Manzil. 23 Barakhamba Road, New Delhi 110001

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. To make the payment simply Log In through any UPI enabled mobile app. Make the payment to American Express' UPI VPA, which is AEBC37XXXXXXXXXXXXX@SC. Add your credit card details to start the payment.

Online Payment

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.

  • Enter your 15-digit American Express credit card number.
  • Enter your mobile number and your email address.
  • Enter your transaction amount.
  • Select the bank the amount will get debited from.
  • Select 'Proceed to Pay
  • Once the payment procedure is completed you can check the status of your transaction.

Direct Debit / NACH

  • To make your payment through Direct Debit / NACH, fill the Charge Card - Direct Debit Card enrolment form or Credit Card-Direct Debit Card enrolment form.
  • After the successful registration of Direct Debit, the total amount due will be deducted from your account via National Payment Corporation Of India's National Automated Clearing House.

Through Courier Facility

  • To make the payment through courier facility a Cheque or Demand Draft must be drawn in favour of "AEBC Card No. 37XX XXXXXX XXXXX".
  • Send the Cheque or Demand Draft to American Express Banking Corp. Cyber City, Tower 'C', DLF Building No. 8, Sector 25, DLF City Phase II, Gurgaon-122002, Haryana.
  • Note- The check must be sent 4 working days prior to the payment due date to save timely credit to your Card account and avoid penalty charges.

Through American Express App

  • Open the Amex App in your mobile and Login with your American Express Id and Password.
  • Click on statements and on the next page click on Make Payment
  • On the next page, select the Payment Method, enter the due amount and click on continue.
  • On the next page Payment Approved message will be displayed.

Through IMPS

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.

  • Login to your American Express Account
  • Select IMPS, which is located under Fund Transfer
  • Enter your payment amount
  • Enter your registered mobile number or Email Id.
  • An OTP will be delivered to your mobile number or email id.
  • Enter the OTP in the required box and click on submit
  • On the next page, you will see a successful message displayed on the screen.

American Express Credit Card Status

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.

Online Process

  • Check your American Express Credit Card Status through Online
  • Go to the official page of American Express App Tracker
  • Now enter your registered mobile number and 14-Digit App Reference Number
  • Review your entered details and click on Submit.
  • On the next page, you can check the status of your American Express Credit Card

Offline Process

Check your American Express Credit Card Status by Email and American Express Customer Service

Through Customer Care Number

  • Calling to customer service is the most convenient method to use because it is tollfree and you can avail this service 24x7.
  • To check the status of your American Express Credit Card, call on +91-124-280-1800, 1800 419 3646.
  • Call from your registered mobile number and provide the 14-Digit App Reference Number to the customer care executive and check the status of your American Express Credit Card Status.

By Email

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:

americanexpress@welcome.aexp.com

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.

Results to get after checking the status of American Express Credit Card

After checking the status of American Express Credit Card through online process one can see the below-mentioned results.

  • No Records Found- This result will show if you have entered wrong Reference Number
  • On Hold- This result will show if American Express has put your status on hold, because of some technical issues or due to lack of documents.
  • Approved- This result will show if your submitted application has been approved and soon it will be dispatched to your doorstep.
  • Dispatched- This result will appear if American Express has dispatched your New Card via postal service.
  • Rejected- This result will appear if your application has been rejected by American Express in case of any error.

American Express Credit Card Customer Care Number

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 americanexpress@welcome.aexp.com 

FAQs

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:-

  • Guaranteed online fraud protection.
  • A complete suite of online services.
  • Zero lost card liability.
  • Emergency Card Replacement

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:

  • A welcome gift of 11,000 Bonus Membership Rewards Points
  • Cashback of up to ₹10,000 at MakeMyTrip.com
  • Privileges at Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts
  • Complimentary access to American Express lounge and other domestic lounges across India.
  • Special health and wellness benefits from Max Healthcare, Fortis Healthcare and Texas Medical Concierge Complimentary access to leading golf courses in India
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