India best American Express credit card

In India, American Express offers one of the most upscale credit card portfolios. Exclusive advantages for dining, shopping, travel, entertainment, leisure, hotels, airport lounges, and much more are included with Amex credit cards. Before applying for a new card, you can verify your eligibility for an Amex card, fees and charges, rewards and bonuses, and the required minimum income.lets read more about India best American Express credit card

India best American Express credit card for 2024

Amex offers a range of credit cards with features ranging from super-premium features on hotels and resorts to normal rewards, as well as global access to elite lounges, high-end concierge services, and expedited reward points.

There are just seven cards available from American Express, with two being charge cards and five being credit cards. American Express® Gold Card, American Express® Platinum Travel Credit Card, American Express® Platinum ReserveSM Credit Card, American Express® Platinum Card, American Express SmartEarnTM Credit Card, American Express PAYBACK® Credit Card, and American Express Membership Rewards® Credit Card are all included in this.

India best American Express credit card list

India best American Express credit card list in 2024

Best Amex Credit Card	Minimum Income Requirement
	Salaried	Self Employed
American Express SmartEarn™ Credit Card	Rs 4.5 Lakh p.a.	Rs 6 Lakh p.a.
American Express PAYBACK® Credit Card	Rs 6 to 15 Lakh p.a.	Rs 6 to 15 Lakh p.a.
American Express Membership Rewards® Credit Card
American Express® Gold Card
American Express® Platinum Travel Credit Card
American Express® Platinum ReserveSM Credit Card
American Express® Platinum Card	Above Rs 25 Lakh p.a.	Rs 15 Lakh p.a.

Eligibility for American Express® Credit Cards

In India, American Express has strict requirements for qualifying before providing charge and credit cards. Those who are interested in applying for an American Express credit or charge card should meet the requirements listed below.

• If they are successful in presenting the necessary paperwork, both foreign nationals and Indian citizens are qualified for an Amex credit or charge card in India.
• Regardless of their nationality, candidates must be older than eighteen.
• When it comes to the minimum income requirement criteria, a professional who is employed must earn a minimum of Rs 4.5 lakh annually. by professionals who work by themselves, the minimum salary criteria is Rs 6 lakh. Those who are interested in applying for American Express credit or charge cards should

• possess a current or savings account in good standing with a global bank or an Indian scheduled commercial bank.
• The credit score must meet Amex requirements and there should be no past history of payment problems.
• Self-employed people with corporate backing should have a trading history spanning longer than a year.
• The National Capital Territory of Delhi, Mumbai, Bangalore, Chennai, Ahmedabad, Pune, Hyderabad, Chandigarh, Jaipur, Indore, Coimbatore, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysore are among the places where applicants must have a present or permanent address.

Credit Card for American Express Membership Rewards®

• In contrast to the Amex SmartEarnTM Credit Card, the Amex Membership Rewards® Credit Card is a premium credit card. American Express charges a first-year fee of Rs 1,000 + GST and a membership renewal cost of Rs 4,500 + GST starting in the second year.
• The American Express Membership Rewards® Credit Card’s features and benefits
• Owners of Amex Membership Rewards® credit cards are eligible to get 1,000 Bonus Membership Rewards® points every four months on purchases totaling at least Rs 1,500.
• In addition, holders of the American Express Membership Rewards® Credit Card are eligible to get an extra 1,000 Membership Rewards points upon meeting the monthly spending criteria of Rs 20,000 or more throughout the current card membership year.

This reward is still dependent on previous enrollment.
Additionally, as a welcome gift, Amex gives all American Express Membership Rewards® Credit Card holders 4,000 Bonus Membership Rewards® points. Redeeming reward points from Amex’s 18 and 24 Karat gold collection is another option available to individuals.

Credit Card: American Express SmartEarnTM

• The most basic credit card that Amex offers is the American Express SmartEarnTM Credit Card, which has an initial year cost of Rs 495 + GST and a subsequent fee of Rs 495 + GST after the second year.
• The American Express SmartEarnTM Credit Card’s features and benefits
• With the Amex Express credit card, users can accrue Accelerated Membership Rewards® points for all qualifying purchases made on a variety of e-commerce sites, such as Amazon, BookMyShow, Flipkart, Uber, and so forth.
• If an Amex cardholder spends more than Rs 10,000 during the first ninety days of activating their credit card or becoming an Amex member, they will additionally get a welcome gift of Rs 500 in cashback on their American Express SmartEarnTM Credit Card.
• Customers of American Express SmartEarnTM credit cards are also eligible to get

Documentation for American Express® Credit Cards is Needed

A list of acceptable documents for the KYC of American Express charge and credit cards has been declared by the company.

1. a photo the size of a passport.
2. It is mandatory for a user to produce a copy of their PAN. Those without a PAN may submit a copy of Form 60.
3. To satisfy the requirements for address evidence and identification proof, copies of any officially recognized document—such as a passport, voter ID card, NREGA-issued job card, Aadhaar card, letter from the national population register (NPR), and driver’s license—are also needed.
4. When applying for an American Express credit or charge card in India, foreign nationals must provide the documentation provided by the relevant foreign embassy.

How to Apply Online for a Credit Card from Amex

Direct credit card applications are accepted via the American Express website and CreditHub.

Apply for a Credit Card with American Express Online

Step 1: Visit the American Express website and choose the credit card that best meets your needs based on your income range, the types of expenses you incur, and the perks available.

Step 2: Enter your personal information, which should include your name, birthdate, email address, phone number, and full residential address.

Step 3: Mention your employment status and PAN.

Step 4: Go over the terms and conditions and mark the box indicating your agreement with them.

Step 5: Select “Agree & Proceed.”

Applying for an American Express Credit Card with MyMoneyMantra

Step 1: Access the American Express credit card on CreditHub

Home

Step2: Select “Apply Now.” You will be taken to the website for American Express credit cards.

Step 3: At this point, you can enter your personal information, such as your name, birthdate, contact information (phone and email addresses), and residence address.

Step 3: You will next need to disclose your work status and PAN.

Step 4: After reading the Terms & Conditions, check the box.

Step 5: Select “Agree & Proceed.”

One has the option of choosing between an American Express charge card and an American Express credit card. To ensure that your credit profile is in good order, you can also verify your most recent credit score beforehand.

American Express® Credit Cards FAQs

✅ How much does the American Express credit card cost annually?

Excluding applicable taxes, the annual price ranges from Rs 495 to Rs 60,000 per annum.

✅ How much does it cost to apply for American Express® credit cards?

The minimum income requirement for salaried individuals is Rs 4.5 lakh per year, whereas for self-employed individuals it is Rs 6 lakh per year.

✅ What should I do in the event that my credit card (American Express®) is misplaced or harmed?

To stop any fraudulent activity or improper use, the bank can hot-list and block your card, therefore the first thing you should do is notify American Express® about the lost card as soon as possible. In a few weeks, a new Amex card will be sent to the address listed in the documents.