Features and Benefits
- No pre-set spending limit
- Giving you greater purchasing power
- Flexibility to enjoy your privileges
- Premium benefits and service
- Exclusive travel and lifestyle benefits
- Maximize reward points on everyday spends
- More value for your spends with bonus points
- Zero Lost Card liability
- Financial flexibility
- Rewarding offers and benefits
Types of credit card
- American Express® Platinum Reserve Credit Card
- American Express® Gold Credit Card
- American Express® Platinum Travel Credit Card
- American Express® PAYBACK Credit Card
- American Express Membership Rewards® Credit Card
- American Express Smart Earn TM Credit Card
- American Express® Gold Card
- American Express® Platinum Card
Eligibility
- Age 18 or above
- Permanent Residency Address
- Employment and income
- Credit history
Fees and Interest rates on Credit Cards:
| Card Name | Card Type | Annual Fee | Finance Charges Per Month for | Cash |
| (Applicable taxes extra) | Goods & Services, Cash & Balance | Advance Fee | ||
| Transfer | ||||
| N/A | 3.5% of the Cash | |||
| Advance amount, | ||||
| American Express® Platinum Card | Charge Card | INR 60,000 | subject to a minimum of | |
| INR 250 | ||||
| 3.5% of the Cash | ||||
| Advance amount, | ||||
| American Express Platinum ReserveSM Credit Card | Credit Card | INR 5,000 | 3.5%*** p.m. | subject to a minimum of |
| (1st year) | INR 250 | |||
| INR 10,000 | ||||
| (2nd year | ||||
| onwards) | ||||
| 3.5% of the Cash | ||||
| Advance amount, | ||||
| American Express SmartEarn™ Credit Card | Credit Card | INR 495(1st year) | 3.5%*** p.m. | subject to a minimum of |
| INR 495## (2nd | INR 250 | |||
| year onwards) | ||||
| 3.5% of the Cash | ||||
| Advance amount, | ||||
| American Express® Platinum Travel Credit Card | Credit Card | INR 3,500 | 3.5%*** p.m. | subject to a minimum of |
| (1st year) | INR 250 | |||
| INR 5,000 | ||||
| (2nd year onwards) | ||||
| 3.5% of the Cash | ||||
| Advance amount, | ||||
| American Express Membership Rewards® Credit Card | Credit Card | INR 1,000 | 3.5%*** p.m. | subject to a minimum of |
| (1st year) | INR 250 | |||
| INR 4,500 | ||||
| (2nd year | ||||
| onwards) | ||||
| American Express® Gold Card | 3.5% of the Cash | |||
| Advance amount, | ||||
| Charge Card | INR 1,000 | N/A | subject to a minimum of | |
| (1st year) | INR 250 INR 4,500 (2nd year onwards) |