American Express (Amex) is known for offering premium credit cards that come with a host of exclusive benefits, rewards, and services. From luxury travel perks to generous cashback options, Amex cards are designed for those who value superior customer service and high-end privileges.

This guide provides you with all the information you need to understand the features, rewards, fees, and benefits of American Express credit cards, so you can choose the right one for your needs.


American Express Membership Rewards® Credit Card

Joining Fee

₹1,000 + GST

Renewal Fee

₹4,500 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

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


American Express SmartEarn Credit Card

Joining Fee

Rs. 495 + GST

Renewal Fee

Rs. 495 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

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


American Express Gold Charge Card

Joining Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 4,500 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

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


American Express Platinum Travel Credit Card

Joining Fee

Rs. 3,500 + GST

Renewal Fee

Rs. 5,000 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

10,000 Membership Rewards Points


American Express Platinum Reserve Credit Card

Joining Fee

Rs. 10,000 + GST

Renewal Fee

Rs. 10,000 + GST

Best Suited For

Travel | Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

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


American Express Platinum Charge Card

Joining Fee

₹66,000 + GST

Renewal Fee

₹66,000 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

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


 

Why Choose American Express Credit Cards?

  • Exclusive Benefits: Amex cards come with luxury perks such as airport lounge access, concierge services, and exclusive event invites.
  • Generous Rewards: Earn Membership Rewards points for every transaction, which can be redeemed for travel, shopping, and more.
  • Superior Customer Service: Amex is renowned for its excellent customer support and services, providing cardholders with a seamless experience.
  • Premium Features: Enjoy travel insurance, premium lifestyle benefits, and offers at high-end hotels, restaurants, and stores.

American Express Credit Card Comparison Table

Card NameBest ForKey BenefitsReward RateAnnual Fee
American Express Platinum CardPremium Lifestyle & TravelAccess to 1,200+ airport lounges, concierge services, and exclusive travel benefits2 Membership Rewards points per INR 50 spentINR 60,000
American Express Gold CardDining & ShoppingDining privileges, shopping offers, and points on all spends1 Membership Rewards point per INR 50 spentINR 10,000
American Express Smart Earn Credit CardEveryday SpendingCashback on all purchases, discounts on partner sites1 Cashback point per INR 100 spentINR 500
American Express Membership Rewards CardTravel & LifestyleFlexible rewards redemption, travel vouchers, and shopping discounts1 Membership Rewards point per INR 50 spentINR 1,000
American Express Green CardTravel & EntertainmentTravel insurance, event access, and dining offers1 Membership Rewards point per INR 100 spentINR 3,000

 

Rewards Comparison Chart

Card NameReward RateHow to Redeem
American Express Platinum Card2 Membership Rewards points per INR 50 spentRedeem for travel, shopping, luxury services, or experiences
American Express Gold Card1 Membership Rewards point per INR 50 spentRedeem for travel, dining vouchers, or shopping
American Express Smart Earn Credit Card1 Cashback point per INR 100 spentRedeem for cashback or partner discounts
American Express Membership Rewards Card1 Membership Rewards point per INR 50 spentUse for travel, shopping, or flexible reward redemption
American Express Green Card1 Membership Rewards point per INR 100 spentRedeem for travel, dining, or shopping benefits

 

Annual Fees and Charges

Fee TypeDetails
Annual FeeINR 500 to INR 60,000 depending on the card type
Late Payment FeeINR 500 to INR 1,500 based on the outstanding balance
Foreign Transaction Fee3.5% on all international transactions
Cash Advance Fee3% of the withdrawn amount (min INR 500)
Interest RateUp to 3.5% per month (42% per annum)

 

How to Apply for an American Express Credit Card?

  1. Visit the official American Express India website.
  2. Browse through the available credit cards.
  3. Fill out the online application form with your personal and financial details.
  4. Upload required documents such as identity proof, address proof, and income proof.
  5. Submit your application and track its approval status.

 

Final Thoughts

American Express Credit Cards offer some of the most premium benefits, whether you're looking for exclusive travel perks, dining privileges, or generous reward points. While the annual fees can be higher compared to other cards, the exclusive benefits and superior customer service make them a great choice for those who enjoy luxury and value rewards. Choose the right card that aligns with your lifestyle and financial goals, and start enjoying the exceptional benefits today!

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