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.
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 at https://www.americanexpress.com/in/
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 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
• 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.
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.
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
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. 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.
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.
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.
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.
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: