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.
Shopping
Reward Points
Shopping
Reward Points
Travel | Shopping
Reward Points
Travel | Shopping
Reward Points
Travel | Dining | Shopping
Reward Points
Travel | Shopping
Reward Points
American Express Credit Card Comparison Table
Card Name | Best For | Key Benefits | Reward Rate | Annual Fee |
American Express Platinum Card | Premium Lifestyle & Travel | Access to 1,200+ airport lounges, concierge services, and exclusive travel benefits | 2 Membership Rewards points per INR 50 spent | INR 60,000 |
American Express Gold Card | Dining & Shopping | Dining privileges, shopping offers, and points on all spends | 1 Membership Rewards point per INR 50 spent | INR 10,000 |
American Express Smart Earn Credit Card | Everyday Spending | Cashback on all purchases, discounts on partner sites | 1 Cashback point per INR 100 spent | INR 500 |
American Express Membership Rewards Card | Travel & Lifestyle | Flexible rewards redemption, travel vouchers, and shopping discounts | 1 Membership Rewards point per INR 50 spent | INR 1,000 |
American Express Green Card | Travel & Entertainment | Travel insurance, event access, and dining offers | 1 Membership Rewards point per INR 100 spent | INR 3,000 |
Card Name | Reward Rate | How to Redeem |
American Express Platinum Card | 2 Membership Rewards points per INR 50 spent | Redeem for travel, shopping, luxury services, or experiences |
American Express Gold Card | 1 Membership Rewards point per INR 50 spent | Redeem for travel, dining vouchers, or shopping |
American Express Smart Earn Credit Card | 1 Cashback point per INR 100 spent | Redeem for cashback or partner discounts |
American Express Membership Rewards Card | 1 Membership Rewards point per INR 50 spent | Use for travel, shopping, or flexible reward redemption |
American Express Green Card | 1 Membership Rewards point per INR 100 spent | Redeem for travel, dining, or shopping benefits |
Fee Type | Details |
Annual Fee | INR 500 to INR 60,000 depending on the card type |
Late Payment Fee | INR 500 to INR 1,500 based on the outstanding balance |
Foreign Transaction Fee | 3.5% on all international transactions |
Cash Advance Fee | 3% of the withdrawn amount (min INR 500) |
Interest Rate | Up to 3.5% per month (42% per annum) |
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!
SimpleTransparentSecure