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American Express Card

Apply online for American Express Credit Card: Check your American Express Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

The American Express Membership Rewards® Credit Card

First year fee: Nil

Second year onwards: Rs.1,500 + taxes

offer is only valid for new to bank customer and valid till 31st MAY 2019

View footnotes  Terms & Conditions

The American Express Membership Rewards® Credit Card

  • 2,000 Bonus Membership Rewards Points, to be awarded as Welcome Gift on completing cumulative spend of INR 25,000 within the first 90 days of Card Membership.
  • 1 Membership Reward Point for every Rs.50 spent
  • *The annual membership fee will be 100% waived off if total spends in the immediately preceding membership year is INR 150,000; else 50% waived off if total spends in the immediately preceding membership year is INR 90,000. No fee waiver will be granted if you do not meet the above spends threshold.
  • 1,000 Bonus Membership Rewards Points on 4 usages of Rs.1,000 and above every month
  • Redeem from the fabulous 18 carat and 24 carat Gold Collection
  • Use your American Express Credit Card for your next big purchase & pay in easy EMI
  • Enjoy benefits on your travel bookings with MakeMyTrip.com*

* Product features and specification are subject to change as per the company policy.

The American Express® Gold Card

First year fee: Rs.1,000 + taxes

Second year onwards: Rs.4,500 + taxes

View footnotes  Terms & Conditions

The American Express® Gold Card

  • 4,000 Bonus Membership Rewards® Points, to be awarded on spending INR 2,000 within the first 60 days of Cardmembership, upon payment of annual fee.
  • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month
  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal
  • Get fabulous Rewards from the stunning new 18 and 24 Karat Gold Collection, specially chosen for you.
    24,000 Points / 24 Karat Gold Collection:
    • American Express Domestic Travel Online voucher worth Rs. 11,000
    • Bose Sound Link Color II Bluetooth Speaker
    • Statement Credit worth Rs. 10,000
    18,000 Points / 18 Karat Gold Collection:
    • Statement Credit worth Rs. 7,500
    • Amazon Gift Card worth Rs. 8,000
    • Tanishq Voucher worth Rs. 7,500
  • Enjoy benefits on your Travel bookings with MakeMyTrip.com
  • Enjoy greater flexibility in spending with "no pre-set" limit. This means that your charges are approved basis your spending pattern, financials, credit record and account history. Please note that "no pre-set" limit does not mean your spending is unlimited.

* Product features and specification are subject to change as per the company policy.

Jet Airways American Express® Platinum Credit Card

First year fee: Rs.5,000 + taxes

Second year onwards: Rs.10,000 + taxes

View footnotes Terms & Conditions

Jet Airways American Express® Platinum Credit Card

  • Get a Welcome Gift of 10,000 Bonus JPMiles + one-way complimentary Jet Airways Base Fare Waived Domestic Ticket on your first charge. Available only in the 1st year of Cardmembership on payment of the Annual Fee
  • Complimentary visits to 12 Domestic Airport Lounges¹ at 10 Cities in India
  • Enjoy complimentary iPrefer Elite Tier membership from Preferred Hotels & Resorts
  • Extend your holiday with a complimentary2 3rd/4th night's stay on booking 2/3 consecutive nights at select properties of Oberoi Hotels & Resorts
  • Experience dedicated 24x7 Platinum Concierge Service

* Product features and specification are subject to change as per the company policy.

The American Express® Platinum Reserve Credit Card

First year fee: Rs.5,000 + taxes

Second year onwards: Rs.10,000 + taxes

View footnotes   Terms & Conditions

The American Express® Platinum Reserve SM Credit Card

  • Get a Welcome Gift of 11,000 Bonus Membership Rewards Points
  • Enjoy cashback of up to Rs.10,000 at MakeMyTrip.com
  • Enjoy privileges at Taj Hotels, Resorts and Palaces; Preferred Hotels & Resorts and Oberoi Hotels & Resorts
  • Complimentary access to American Express lounge and other domestic lounges across India. Also, enjoy complimentary membership to Priority Pass, with the US$99 annual membership fee waived off
  • Get special health and wellness benefits from Max Healthcare, Fortis Healthcare and Texas Medical Concierge
  • Complimentary access to leading golf courses in India

* Product features and specification are subject to change as per the company policy.

The American Express® Platinum Travel Credit Card

First year fee: Rs.3,500 + taxes

Second year onwards: Rs.5,000 + taxes

View footnotes Terms & Conditions

The American Express® Platinum Travel Credit Card

  • Welcome Gift of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs.4000
  • Spend Rs.1.90 lacs in a year and get Travel Vouchers worth upto Rs.7,700
  • Spend Rs.4 lacs in a year and additionally get Travel Vouchers worth upto Rs.11,800⁴. Also get a voucher worth Rs.10,000 from the Taj Hotels, Resorts and Palaces5
  • Enjoy 4 complimentary visits per year(limited to one complimentary visit per quarter) to 12 airport lounges across India.
  • Enjoy benefits on your Travel bookings with MakeMyTrip.com
  • Enjoy complimentary membership to Priority Pass, with the US$99 annual membership fee waived off

* Product features and specification are subject to change as per the company policy.

The Everyday Spend American Express® Gold Credit Card

First year fee: Rs.495

Second year onwards: Rs.495

Terms & Conditions

The Everyday Spend American Express® Gold Credit Card

  • Welcome gift of INR 500 on spending INR 10,000 in first 90 days
  • Fee waiver on spending INR 39,999 in Card Membership year
  • 10x (10 MR points on INR 50) on Flipkart and Ola. Capped at 500 MR points per month
  • 5x (5 MR points on INR 50) on PVR, BMS, BigBazaar, D-Mart, Uber, Amazon and shopclues. Capped at 250 MR points per month

* Product features and specification are subject to change as per the company policy.

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How it Works

1

Register

Apply for a Credit Card online by filling an easy application form.

2

Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.

3

Get Approved instantly

Receive instant approval on your American Express Credit Card.

Basic Eligibility Criteria

Good Credit Score

Above 24 Years of Age

Self-Employed or Salaried Professional

Resident of India

Valid Bank Account

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table For American Express Credit Card

IndiaLends offers a wide range of American Express credit cards online with various benefits and rewards. American Express credit cards offer popular types of reward schemes such as Fuel, Travel, Shopping, and dining. Each Amex Credit Card offers unique benefits for fulfilling all your needs and lifestyle requirements. Amex Credit Cards come with different reward schemes and cash back offers depending upon the credit card you pick. You will get rewarded with membership reward points every time you make a purchase using your Amex Credit Card!

Apply for our range of Amex Credit Cards online in less than 2 minutes. Before doing so, you should check your eligibility in the ‘Amex Credit Card Eligibility’ section and compare the range of Amex Credit cards.

Name of the American Express Credit Card Joining Fees Joining Perks Rewards Points Amex Credit Card Eligibility
The American Express Membership Rewards® Credit Card

First year fee: Nil

Second year onwards: Rs.1,500 + taxes (offer is only valid for new to bank customer and valid till 31st MAY 2019) will be 100% waived off if total spends in the immediately preceding membership year is INR 150,000; else 50% waived off if total spends in the immediately preceding membership year is INR 90,000. No fee waiver will be granted if you do not meet the above spends threshold.

 -
  • 2,000 Bonus Membership Rewards Points, to be awarded as Welcome Gift on completing cumulative spend of INR 25,000 within the first 90 days of Card Membership.
  • 1 Membership Reward Point for every Rs.50 spent
  • Redeem from the fabulous 18 carat and 24 carat Gold Collection
  • Use your American Express Credit Card for your next big purchase & pay in easy EMI
  • Enjoy benefits on your travel bookings with MakeMyTrip.com*
  • Over 24 years of age & Personal annual income of INR 4.5 Lacs or above (for Salaried)
  • Over 32 years of age & Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed)
  • An Indian or multinational bank’s savings or current account in India
  • Have a permanent residential address in India
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months
The American Express® Gold Card

First year fee: Rs.1,000 + taxes

Second year onwards: Rs.4,500 + taxes

 4,000 Bonus Membership Rewards® Points, to be awarded on spending INR 2,000 within the first 60 days of Cardmembership, upon payment of annual fee.
  • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above every month
  • 1 Membership Rewards Points for every Rs.50 spent
  • 18,000 Points / 18 Karat Gold Collection
    • Statement Credit worth Rs. 7,500
    • Amazon Gift Card worth Rs. 8,000
    • Tanishq Voucher worth Rs. 7,500
    24,000 Points / 24 Karat Gold Collection:
    • American Express Domestic Travel Online voucher worth Rs. 11,000
    • Bose Sound Link Color II Bluetooth Speaker
    • Statement Credit worth Rs. 10,000
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • If self-employed, your company should be trading for more than 12 months.
Jet Airways American Express® Platinum Credit Card

First year fee: Rs.5,000 + taxes

Second year onwards: Rs.10,000 + taxes

 Get a Welcome Gift of 10,000 Bonus JPMiles + one-way complimentary Jet Airways Base Fare Waived Domestic Ticket on your first charge
  • 8 JPMiles for every Rs.150 spent
  • 16 JPMiles for every Rs.150 spent for booking revenue tickets on www.jetairways.com
  • Complimentary visits to 12 Domestic Airport Lounges¹ at 10 Cities in India
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • An Indian or multinational bank’s savings or current account in India.
  • Have a permanent residential address in India.
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months.
The American Express® Platinum Reserve SM Credit Card

First year fee: Rs.5,000 + taxes

Second year onwards: Rs.10,000 + taxes

 Get a Welcome Gift of 11,000 Bonus Membership Rewards Points
  • 1 Membership Rewards® Point for every Rs.50 spent
  • Enjoy cashback of up to Rs.10,000 at MakeMyTrip.com
  • Up to 20% discount on dining.
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • An Indian or multinational bank’s savings or current account in India.
  • Have a permanent residential address in India.
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months.
The American Express® Platinum Travel Credit Card

First year fee: Rs.3,500 + taxes

Second year onwards: Rs.5,000 + taxes

 Welcome Gift of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs.4000
  • Spend Rs.1.90 lacs in a year and get Travel Vouchers worth upto Rs.7,700
  • Enjoy 4 complimentary visits per year(limited to one complimentary visit per quarter) to 12 airport lounges across India.
  • Enjoy benefits on your Travel bookings with MakeMyTrip.com
  • Spend Rs.4 lacs in a year and additionally get Travel Vouchers worth upto Rs.11,800⁴. Also get a voucher worth Rs.10,000 from the Taj Hotels, Resorts and Palaces5
  • Over 24 years of age.
  • Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed).
  • An Indian or multinational bank’s savings or current account in India.
  • Have a permanent residential address in India.
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months.
The Everyday Spend American Express® Gold Credit Card

First year fee: Rs.495

Second year onwards: Rs.495

 Welcome gift of INR 500 on spending INR 10,000 in first 90 days
  • 10x (10 MR points on INR 50) on Flipkart and Ola. Capped at 500 MR points per month
  • 5x (5 MR points on INR 50) on PVR, BMS, BigBazaar, D-Mart, Uber, Amazon and shopclues. Capped at 250 MR points per month
  • Over 24 years of age & Personal annual income of INR 4 Lacs or above (for both Salaried & Self-employed )
  • Over 32 years of age & Personal annual income of INR 6 Lacs or above (for both Salaried and Self Employed)
  • Have a permanent residential address in India
  • A good credit history without any payment defaults
  • If self-employed, your company should be trading for more than 12 months

Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:
  1. Credit Cards have universal acceptability.
  2. For using a Credit Card, a customer has to pay a fixed sum as annual fees. However, financial
  3. Institutions generally waive off the charges if the customer meet a certain criteria in terms of his expenditure behaviour.
  4. Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
  5. Customers can settle the balance with Monthly EMIs.
  6. Credit Cards come with a 24/7 service, unlike other card forms.
  7. Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:
  1. Ease in payments while shopping, dining, travelling and settling bills.
  2. Timely repayments on Credit Cards help in improving your Credit Score.
  3. Access to premium services offered by the financial institution which issued the card.
  4. Amazing discounts and cashbacks upon the purchases made using the card.
  5. Access to more funds in times of immediate need
  6. Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals — with a regular source of income can apply for a Credit Card. One must be 21 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof. of Credit which is not related to your Personal bank accounts.
  1. PAN Card
  2. Passport
  3. Driving License/Voter ID
  4. Aadhar Card
  5. Ration Card

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.