American Express® Cards: American Express offers a top-tier selection of credit cards in India. Their cards come with special perks for shopping, dining, travel, entertainment, leisure activities, hotels, airport lounges, and more. Before applying for a new card, you can look into the eligibility criteria, fees and charges, available rewards and benefits, and the minimum income needed.
The Top American Express® Credit Cards in India for 2025
American Express provides a range of credit cards that come with perks ranging from basic rewards to luxurious features at hotels and resorts, access to exclusive lounges around the world, premium concierge services, and enhanced reward points.
They offer a total of seven cards, which includes five credit cards and two charge cards. The lineup features the American Express SmartEarn™ Credit Card, American Express PAYBACK® Credit Card, American Express Membership Rewards® Credit Card, American Express® Gold Card, American Express® Platinum Travel Credit Card, American Express® Platinum ReserveSM Credit Card, and the American Express® Platinum Card.
1. American Express Platinum Card
- The American Express Platinum Card offers exclusive access to top-notch airport lounges, including The Centurion® Lounges, Delta, and Priority Pass lounges.
- Enjoy travel benefits valued at INR 37,000 when you book at over 1,000 properties in the Fine Hotels and Resorts collection.
- Travel with confidence, knowing you have coverage like Air Accident Insurance and Overseas Medical Insurance.
- Your purchases are protected with Purchase Protection, giving you peace of mind while shopping.
- Earn 3X Membership Reward points on all your international spending, maximizing your rewards.
- The card is ideal for frequent travelers, providing lounge access and fine dining experiences.
- If you’re self-employed, your business must have been operating for over 12 months to qualify.
- Employed applicants need a personal annual income of INR 25 lakhs or more to be eligible.
- Self-employed individuals must have a personal annual income of at least INR 15 lakhs to apply.
- The American Express Platinum Card is designed for those who value luxury and exceptional travel experiences.
2. American Express Smart Earn Credit Card
- The American Express Smart Earn Credit Card offers a welcome bonus in the form of gift vouchers.
- Cardholders enjoy zero liability for lost cards and can get emergency card replacements.
- Earn 10X rewards for every Rs. 50 spent on platforms like Flipkart, Amazon, and Uber.
- For transactions on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar, and more, you can earn 5X rewards for every Rs. 50 spent.
- You receive 1 Membership Rewards Point for every Rs. 50 spent, excluding fuel, insurance, utilities, cash transactions, and EMI conversions at the point of sale.
- If you spend INR 2500 in a month on Flipkart or Amazon, you will earn 500 Membership Rewards points.
- Spending INR 2500 in a month on Uber also earns you 500 Membership Rewards points.
- This card is suitable for e-commerce, entertainment, and general purchases.
- To qualify, applicants must be employed with a personal annual income of INR 4.5 lakhs or more, or self-employed with an income of INR 6 lakhs or above.
- The card provides various benefits that cater to frequent online shoppers and entertainment seekers.
3. American Express Membership Rewards Credit Card
- The American Express Membership Rewards Credit Card offers great perks like bonus points and easy dispute resolution.
- You can earn 1,000 bonus Membership Rewards points just by using your card for four transactions of Rs. 1,500 or more each month.
- If you spend INR 20,000 or more in a month, you can get an extra 1,000 Membership Rewards points as part of this special offer.
- You can redeem your points for amazing items from the 18 and 24 Karat Gold Collection and enjoy discounts on dining, travel, car rentals, and shopping.
- To qualify, your personal annual income should be Rs. 6 Lakhs or more, whether you are self-employed or salaried.
4. American Express Platinum Reserve Credit Card
- The American Express Platinum Reserve Credit Card offers exclusive lounge access and health and wellness benefits.
- It provides purchase protection and ensures zero liability for lost cards.
- Cardholders earn 1 Membership Rewards® Point for every Rs. 50 spent, excluding fuel, insurance, utilities, cash transactions, and EMI conversions.
- You can use your Membership Rewards Points to pay for flights and redeem them for over 500 options in travel, dining, and more.
- To qualify, applicants need a personal annual income of Rs. 6 Lacs or more, whether salaried or self-employed, and enjoy perks like movie vouchers worth Rs. 6,000 annually.
5. American Express Gold Card
- The American Express Gold Card offers unique rewards and a straightforward dispute resolution process, ensuring you’re covered if issues arise.
- You won’t be held responsible for lost cards, and emergency card replacement is available for added peace of mind.
- Earn 1,000 bonus points when you make six purchases of ₹1,000 or more each month.
- Enjoy the freedom of spending without a pre-set limit, but remember that terms and conditions apply.
- You can earn 1 Membership Rewards® point for every purchase, including fuel and utility expenses, plus enjoy discounts on dining, travel, car rentals, and shopping if your personal annual income is ₹6 Lakhs or more.
6. American Express Platinum Travel Credit Card
- The American Express Platinum Travel Credit Card offers exclusive membership perks and exciting discounts.
- Cardholders enjoy zero liability for lost cards and access to premium Platinum services.
- Travel and shopping benefits can total up to ₹15,000, including a gift card worth ₹10,000 for Taj, SeleQtions, and Vivanta Hotels.
- Members receive two complimentary visits to select airport lounges each quarter throughout the year.
- To qualify, applicants must have a personal annual income of ₹6 Lacs or more, whether salaried or self-employed.
IBPS Exam Calendar 2025-26 (OUT): Exam Dates- RRB Clerk, PO , SO, MT, SPL, CSA
Ayushman Bharat 2025: Odisha becomes 34th state/UT to implement PM-JAY
American Express® Credit Card Eligibility
American Express has specific requirements for issuing credit and charge cards in India. If you want to get an Amex card, you need to meet the following criteria.
- Both Indian residents and foreign nationals can apply for an Amex credit or charge card in India, as long as they provide the necessary documents.
- Applicants must be at least 18 years old, regardless of their nationality.
- For those who are employed, the minimum annual income should be at least Rs 4.5 Lakh, while self-employed individuals need to have a minimum income of Rs 6 Lakh.
- All applicants must have an active savings or current account with an Indian scheduled commercial bank or a multinational bank.
- It’s important to have a clean payment history, and your credit score should meet Amex’s standards.
- Self-employed applicants who are backed by a corporation must have a trading history of over 12 months.
- Applicants should have a current or permanent address in cities like Delhi, Mumbai, Bangalore, Chennai, Ahmedabad, Pune, Hyderabad, Chandigarh, Jaipur, Indore, Coimbatore, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysore.
American Express® Credit Card Required Documents:
American Express has outlined the necessary documents for KYC (Know Your Customer) when applying for Amex credit and charge cards.
- You need to provide a passport-sized photo.
- It’s essential to submit a copy of your PAN card. If you don’t have a PAN, you can submit a copy of Form 60 instead.
- you must provide one valid document for address and identity verification. Acceptable documents include a passport, Voter ID card, NREGA job card, Aadhaar card, a letter from the National Population Register (NPR), or a driving license.
- For foreign nationals wanting to get an Amex credit or charge card in India, they must present documents issued by their respective foreign embassy or mission in India, along with any documents required by the foreign government’s jurisdiction.
Central Bank of India Credit Officer Recruitment 2025 Apply Online for 1,000 Posts
American Express Cards in India: Fees & Charges
| Amex Card | Annual Fee | Renewal Fee | Finance Charges |
| American Express SmartEarn™ Credit Card | Rs 495 | Rs 495 | 3.5% p.m. |
| American Express PAYBACK® Credit Card | Rs 750 | Rs 1,500 | 3.5% p.m. |
| American Express Membership Rewards® Credit Card | Rs 1,000 | Rs 4,500 | 3.5% p.m. |
| American Express® Gold Card | Rs 1,000 | Rs 4,500 | N.A. |
| American Express® Platinum Travel Credit Card | Rs 3,500 | Rs 5,000 | 3.5% p.m. |
| American Express® Platinum ReserveSM Credit Card | Rs 5,000 | Rs 10,000 | 3.5% p.m. |
| American Express® Platinum Card | Rs 60,000 | Rs 60,000 | N.A. |
Apply for Credit Card Online
To apply for an Amex credit card online, you can do it directly on the American Express website or through MyMoneyMantra.
Applying for an Amex Credit Card on the American Express Website
- First, visit the American Express website and choose the credit card that fits your income, spending habits, and the benefits you want.
- Next, fill in your personal information, such as your name, date of birth, email, phone number, and full address.
- You’ll also need to provide your PAN and your employment status. Make sure to read the Terms & Conditions and check the box to agree to them.
- Then, click on ‘Agree & Continue’.
Applying for an Amex Credit Card via MyMoneyMantra
- Go to the MyMoneyMantra page for American Express credit cards and click on ‘Apply Now’. This will take you to the American Express credit card section.
- Here, enter your personal details like your name, date of birth, phone number, email, and address.
- After that, you’ll need to provide your PAN and employment status.
- Don’t forget to read the Terms & Conditions and check the box to agree.
- Finally, click on ‘Agree & Continue’.
When applying for American Express cards, you can choose between an Amex credit card and an Amex charge card. It’s also a good idea to check your credit score first to ensure your credit profile is in good standing.