Best American Express Credit Cards
American Express Credit Cards are known for their premium services and global reputation. American Express, a US-based financial corporation, functions as both a card issuer and a credit card network. It introduced its credit cards in India in 1993, quickly gaining recognition for offering some of the most prestigious cards in the market. These cards are issued directly by the company and also through other financial institutions that use the AmEx network. As of August 2024, more than 14.04 lakh American Express Credit Cards are actively in use across India.
American Express Credit Cards are especially popular for their exclusive benefits, particularly in travel rewards. They offer luxurious perks such as airport lounge access, reward points, and special privileges on shopping, dining, and entertainment. The sleek and elegant design of these cards, combined with their exceptional customer service, makes them a preferred choice among high-end users. This article will provide insights into the best American Express Credit Cards across different categories, helping users choose the one that suits their needs.
List Of Best American Express Credit Cards in India
While American Express may not offer as many credit cards as HDFC Bank or SBI Card, every card issued by AmEx comes with exceptional privileges across various categories. In this article, you will find a detailed overview of the best American Express credit cards, along with their features, benefits, and other relevant information.
AmEx Credit Cards: Features, Benefits, and Application Guide
American Express (AmEx) offers various credit cards designed for different lifestyles and financial needs. These cards come with exclusive perks, such as travel rewards, dining discounts, and reward points. Below is a simplified guide explaining the features, benefits, eligibility, and application process for AmEx credit cards.
Features and Benefits of AmEx Credit Cards
Welcome Benefits
- Bonus Membership Reward Points redeemable for different options.
- Extra cashback on specific spending categories.
- Gift vouchers from select brands and partners.
Reward Points
- Different reward rates based on the type of card.
- Bonus points for spending in select categories like travel, shopping, and dining.
- Points can be redeemed for travel, shopping, gift cards, or as a statement credit.
Milestone Benefits
- Monthly rewards for meeting monthly spending goals.
- Quarterly bonuses for consistent spending over three months.
- Annual perks such as fee waivers or extra reward points.
Travel Benefits
- Free access to domestic and international airport lounges.
- Complimentary memberships in hotel and airline loyalty programs.
- Travel vouchers for flight and hotel bookings.
- Special discounts on travel expenses.
Movie & Dining Benefits
- Discounts at partner restaurants.
- Free memberships in premium dining programs.
- Buy One Get One Free (BOGO) offers on movie tickets.
- Cashback and deals on food delivery services.
Other Benefits
- 1% fuel surcharge waiver at select fuel stations.
- Annual fee waivers based on spending.
- Travel and purchase protection insurance.
- Golf privileges at premium courses.
Eligibility Criteria for AmEx Credit Cards
- Minimum Age: 18 years or older.
- Stable Income: Applicant must be salaried or self-employed with a steady income.
- Credit Score: A good credit score is required.
- Availability: AmEx cards are available in select cities, including Ahmedabad, Bangalore, Mumbai, Delhi NCR, Kolkata, Pune, and others.
Documents Required for AmEx Credit Card Application
- KYC Documents: Aadhaar Card, Voter ID, PAN Card, or Passport.
- Address Proof: Aadhaar Card, Voter ID, electricity bill, or telephone bill.
- Income Proof: Salary slips (for salaried individuals) or an audited Income Tax Return (ITR) acknowledgment (for self-employed applicants).
- Video KYC: Required for final verification and approval.
How to Apply for an AmEx Credit Card with RatingOK
You can apply for an AmEx credit card online through RatingOK and enjoy additional benefits such as:
- Possible waiver of joining fees.
- Extra Membership Reward Points.
- Exclusive discounts and special offers.
To apply, click the ‘Apply Now’ button next to your preferred card, review its features, and complete the application process.
How to Check Your AmEx Credit Card Application Status
- Calling AmEx customer service and providing your application reference number.
- Sending an email inquiry to AmEx customer support.
Keep your application reference number handy for easy tracking.
How to Activate Your AmEx Credit Card
Online Activation:
- Internet Banking: Log in to your AmEx account, go to ‘Account Management,’ and set a new PIN.
- Mobile App: Log in to the AmEx app, select ‘Manage Card PIN’ under the ‘Account’ tab, and set your PIN.
Offline Activation:
- Customer Care: Call AmEx customer support and follow the Interactive Voice Response System (IVRS) instructions to activate your card.
AmEx Credit Card Login & Net Banking
American Express credit cardholders can conveniently manage their accounts online by registering for internet banking. Follow these steps to enroll:
- Visit the American Express login page.
- Click on ‘Register for Online Services’ and enter your credit card details.
- Select Confirm to proceed.
- Create your username and password to complete the setup.
Once registered, you can easily access your account, check transactions, pay bills, and manage other card-related services.
American Express Credit Card Customer Support
American Express provides dedicated customer support to assist with any queries or concerns regarding credit cards. You can get in touch through:
- Phone: Call 1800-419-2122 (Toll-Free).
- Email: Reach out at customerservicesindia@aexp.com.
The support team is available to help with account-related queries, transaction issues, or any other assistance required.