Feb 14

American Express Credit Cards

Team Antworks

The American Express Company is an American money related and managing an account administrations enterprise headquartered in New York. Affectionately called as Amex, the organization is best known for its Mastercard, change card and explorer’s check organizations. Presently, Amex cards constitute 24% of the aggregate estimation of Mastercard exchanges in America. American Express is the fourth biggest card backer on the planet with more than 109 million cards on its system.

The American Express Credit Cards are painstakingly intended to offer the clients, a scope of shopping, way of life, travel and eating benefits.

Why Choose American Express Credit Cards

American Express charge cards are painstakingly intended to offer most extreme advantages to the cardholders. With highlights like Payback focuses, exceptional travel and way of life arrangements and adaptability to reclaim your reward focuses crosswise over 600 choices, American Express Credit Cards will be a pleasure to each cardholder’s wallet.

Apply for American Express Credit Cards

Since their beginning in 1958, Visas have been instrumental in bringing an ocean change in the ways of managing money of customers over the world. With time, their prevalence has expanded complex. It is chiefly a result of the comfort that it gives. While paying for a decent or administration one doesn’t have to go searching for an ATM on the off chance that they have a Visa. One swipe and the installment will be finished!

It isn’t just accommodation that charge cards offer to the cardholders. They additionally accompany a ton of good highlights and advantages. Cardholders can acquire compensate focuses, AirMiles, and cashback offers on utilizing them. Once collected, these reward focuses can be reclaimed to get energizing endowments from the bank’s index. Then again, cardholders can assemble AirMiles and utilize them to get markdown on air tickets. Or on the other hand, they can likewise reclaim AirMiles to get blessings from the airplane’s list. Cardholders are sent month to month articulations to enable them to monitor their costs made on the Mastercard. Most Mastercards offer buy insurance that encourages you to trade harmed things easily. On the off chance that utilized carefully, charge cards can enable the cardholder to get a decent FICO rating which is imperative with regards to credit applications.

A standout amongst the most presumed banks in India, the American Express likewise offers an assortment of Mastercards. These Mastercards accompany loads of highlights and advantages for the cardholders. People can apply for an American Express charge card through various strategies.

Apply for American Express Credit Cards Online

Applicants can apply for an American Express credit card by visiting the official website, www.americanexpress.com or through financial websites such as Bankbazaar.com.

Through American Express Website

Applicants can visit the official website of American Express credit cards, www.americanexpress.com, and go to ‘Our Cards.’ Under this tab, they can find the option, ‘Credit Cards’ listed among other services. Once they click on ‘Credit Cards’, they will be led to a list of all the credit cards offered by American Express. Before settling for a particular card, applicants can make a comparison between all the cards to find what suits them the most. Once they select the card of their choice, they can click on it to read about their features and benefits in detail. Next step is to click on the ‘Apply Now’ tab to apply directly for the selected American Express credit card. The applicant will led to an application form on which they have to provide the following details:

First Name
Last Name
Email id
Mobile Number
Date of Birth
Gender
Annual Net Income
Residential Address Details
Employer Details
Education Level
Aadhaar Card Number
Nationality

Once the details are furnished, the bank will check whether the candidate is eligible to avail the credit card that they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card.

Applicants can also apply for a credit card by sending an email to American Express bank directly.

Apply for American Express Credit card Offline

Applicants can directly apply for an American Express credit card. To be able to do that, all they have to do is visit the nearest American Express branch. They will be asked to fill in an application form once they fulfill the set eligibility criteria. They will have to submit the form along with necessary documents like id proof, address proof, and income proof. The bank representative will go through the filled in details and the attached document to decide whether or not the applicant meets the eligibility criteria for the credit card that they have applied for. Once the check is done, the applicant will be able to avail the credit card.

Apart from this, the applicant can also contact the bank by calling the customer care service at 1800 419 1414 or 0124 280 1414. This service is available 24*7 on all days of the week.

Features and Benefits of American Express Credit Card

American Express credit cardholders get to enjoy the benefits of one of the most powerful rewards program where Membership Rewards Points are awarded every time they spend. Also, with the ‘Pay-In-Parts’ privilege program, you can convert your payments to easy instalment plans. Amex cards also come with 24/7 platinum assist feature and zero lost card liability that will give the cardholder a complete peace of mind. Other unique benefits include platinum concierge, payback points, membership rewards and online services.

American Express Credit Card Eligibility and Documentation

American Express Credit Cards Eligibility Criteria:

In order to apply for an American Express Credit Card, the applicant must satisfy the following criteria.

The applicant must be aged above 18 years.
The applicant must have a good credit history.
He should not have had any payment defaults.
Self-employed applicants’ companies must have been trading for at least 18 months or 12 months if he is an existing American Express credit cardholder. Depending on the type of card, the income requirement varies. Make sure you enquire with American Express before proceeding with the application process.

American Express Credit Card Documentation Requirements:

You might be asked to submit the following documents during the application process.

Self-attested passport sized photographs
Latest salary slips, Income Tax Returns and Form 16
A valid residence proof document like ration card or electricity bill
An identity proof like voter’s ID or driving license.

American Express Credit Cards

The American Express Membership Rewards Credit Card
The American Express Platinum Reserve Credit Card
Jet Airways American Express Platinum Credit Card
The American Express Platinum Travel Credit Card
The American Express PAYBACK Credit Card

The American Express Membership Rewards Credit Card

Customers can enter a world that is full of choices and rewards through the American Express Membership Rewards credit card.

Features and Benefits of the American Membership Rewards Credit Card:

Customers can avail 4,000 Bonus Membership Rewards Points that can be awarded on using the card three times within the first 60 days of the membership.
Customers can also procure 1,000 Bonus Membership Rewards Points if they use the card 4 times on all transactions of Rs.1,000 and over every month.
Earn 5,000 Membership Rewards Points upon the first year credit card Renewal upon payment of annual membership fee.
Customers can redeem from fantastic 18 carat and 24 carat gold collection.

The American Express Platinum Reserve Credit Card

The Amex Platinum Reserve card will open a new world of travelling, lodging, fine dining and more at every step of your journey.

Features and Benefits of the American Express Platinum Reserve Credit Card

Cardholders get a Welcome Gift of 11,000 Bonus Membership Reward points and a cashback of up to Rs.10000 at MakeMyTrip.
Get special healthcare and wellness privileges from Max Healthcare, Fortis Healthcare and Texas Medical Concierge.
For lodging, customers get elite benefits at Taj hotels, and resorts.
Savour fine dining experiences at partner hotels, with Taj Epicure Plus memberships. American Express Selects Dining programme will delight you with deals from premier restaurant chains around the globe.
Amex Platinum Reserve customers also get special complimentary access to leading golf courses in India and also a priority pass to American Express proprietary lounges.
Other Platinum features include dedicated concierge assistance, cashback offers, elite tier memberships and card related services.

Jet Airways American Express Platinum Credit Card

Start making every journey more rewarding with JPMiles and other travel privileges that comes with this co-branded card.

Features and Benefits of Jet Airways American Express Platinum Card

Cardholders earn 8 JPMiles for every Rs.150 spent using the card except for insurance, utilities and cash transactions.
Customers can avail complimentary visits to 13 Domestic Airport Lounges at 11 cities in the country.
As a welcome gift, cardholders get 10,000 bonus JPMiles and a one-way complimentary Jet Airways base fare waiver on the first domestic ticket purchased with the card.
Enjoy other exclusive travel and stay privileges like complimentary iPrefer Elite Tier membership and a complimentary night stay at select Oberoi Hotels and resorts.
Also, get other Platinum benefits like dedicated concierge services, zero lost card liability and supplementary card offers.

The American Express Platinum Travel Credit Card

Specially designed for the frequent traveller this card comes with top-class travel benefits and privileges which will make every journey more rewarding.

Features and Benefits of The American Express Platinum Travel Credit Card

Earn 1 membership reward point for every Rs.50 spent using the card except for utilities and cash transactions.
With the ‘Pay-In-Parts’ privilege, customers can convert all their purchases to easy instalment schemes at low interest rates.
Save more on travel with the Travel vouchers worth Rs.11,800 and benefits from MakeMyTrip.
Also, with the Milestone bonus that you get with the card, you can claim attractive travel deals and stays at premier hotels.
Other stellar benefits that come with the card include priority pass memberships, Taj Resorts vouchers and dedicated concierge assistance.

The American Express PAYBACK Credit Card

Customers can enjoy life to the fullest while availing some of the best benefits and features provided by a credit card through the PAYBACK card by American Express.

Features and Benefits of The American Express PAYBACK Credit Card

Customers can earn multiple points from over 40 PAYBACK partner merchants and 3 PAYBACK Points from American Express PAYBACK credit card each time they spend Rs.100, except for spend at Fuel, Utilities, Insurance and Cash Transactions.
Cardholders can enjoy 900 Bonus PAYBACK Points when they spend Rs.15,000 within a period of 60 days of card approval.
Additionally exciting discounts on online shopping, travel and dining and can also be availed.

Frequently Asked Questions about American Express Credit Cards

1. What are the different credit cards on offer from American Express in India?
  - The American Express Platinum Reserve Credit Card
  - The Jet Airways American Express Platinum Credit Card
  - The American Express Platinum Travel Credit Card
  - The American Express Membership Rewards Credit Card
  - The American Express PAYBACK Credit Card
2. Can I apply for any of these cards online?

Yes. You can apply for any of these cards on the American Express (India) website as well as on Bankbazaar.com.

1. What are the basic features of the various credit cards on offer?
  - Guaranteed online fraud protection.
  - Complete suite of online services.
  - Zero lost card liability.
  - Emergency Card Replacement
2. What is the eligibility criteria to apply for an American Express credit card?
  - The applicant must be an Indian citizen.
  - Must be of a legal age.
  - Must have a credit history, pertaining to prior ownership of a credit card or clean records of loan repayments.
  - The applicant must not have filed for bankruptcy in the preceding 7 years.
  - If Self-Employed, the applicant must be in business for at least 12-18 months (if already owning an American Express Card).
3. What is an American Express Add-On or Supplementary credit card?

A full-fledged credit card that is provided to the dependent of the credit card holder, including spouse, parents or children is called an add-on/supplementary credit card.

1. What is an APR?

The Annual Percentage Rate (APR) is calculated as a yearly interest rate that is appended to your outstanding credit card balance each month. The APR applies differently to different uses of the credit card; purchases command a different interest rate as compared to say, balance transfers.

1. What’s the annual fees for the American Express Platinum Reserve credit card?

First year Fee: Rs.5,000 plus applicable taxes. Second year onwards: Rs.10,000 plus applicable taxes.

1. What benefits accompany an American Express Platinum Reserve credit card?

Broadly speaking, enjoy privileges and benefits pertaining to travel, lounge access, concierge services, fine dining, health and wellness services, access to golf courses and membership to elite clubs.

1. What basic documents are required when applying for the American Express credit card?
  - Recent passport sized photographs (self-attested)
  - Valid photo identity document
  - Valid residence proof document
  - Latest salary slips/ income tax returns/ Form 16 (self-attested)
2. How many AirMiles can I earn with Jet Airways American Express Platinum Credit Card?

For every 150 rupees spent booking tickets on Jet Airways’ official website, earn 8 JPMiles.

1. Is the option to convert purchases into EMI available with American Express credit cards?

Yes. Any transaction above Rs.5,000 can be converted into EMIs. Nominal interest rate flexible EMI tenures of 6 or 12 months will apply.

1. Which American Express Credit Cards offer the EMI option on purchases?

All credit cards currently presented by American Express offer this option.

As a constant traveller, what cards will help me in my travels?
- The American Express Platinum Reserve Credit Card
- The Jet Airways American Express Platinum Credit Card
- The American Express Platinum Travel Credit Card
Why must I choose an American Express Credit Card with reward benefits?
- Avail bonuses at signup to get started.
- Win reward points on almost all purchases.
- Competent 24×7 customer support.
- Robust fraud and purchase security.