American Express Credit Card Apply 2024 Amex Credit Card Review, Charges, Types, Benefits

American Express Credit Card Apply 2024 Amex Credit Card Review, Charges, Types, Benefits: The benefits of an American Express credit card are many. With the help of credit card, you can do many types of online and offline transactions. In this article, we will know in detail what is American Express Credit Card, eligibility for this card, what are the documents and how can we apply for this card etc., so you read this article till the end.

American Express Credit Card – Amex Credit Card

The question in the mind of many people is that what is American Express, American Express is a banking corporation, a payment network company. Its headquarter is in New York, USA. In India, this company is providing many other banking services including credit cards. it in short Amex _ also says. Before applying for Amex Credit Card, you should know what is a credit card. A credit card is a financial instrument that allows customers to make transactions without making immediate payments.

In a credit card, a limit is given by the card provider, which is called the American Express Credit Card Limit. This limit is given to the customer on the basis of many factors such as CIBIL Score, Income, Credit History etc. If your income is very good and your credit score is very good then you can get a card of higher limit.

American Express offers a variety of credit cards as per the requirement of the customers. The eligibility, benefits etc. for different cards can be different. You can apply for the credit card you want to take. You can easily apply for the card by visiting the official website of Amex.

American Express Credit Card Types

American Express offers a variety of credit cards as per the requirement of the customers. Each card may have different characteristics. for you by comparing between all the cards you Best American Express Credit Card can search for. This card is as follows:

• American Express SmartEarn Credit Card
• American Express Membership Rewards Credit Card
• American Express Platinum ReserveSM Credit Card
• American Express Platinum Travel Credit Card

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American Express SmartEarn Credit Card:

Benefits and Features:

• Rs.500 cashback on spending of Rs.10,000 within 90 days of card membership.
• The annual fee for this card is 495 plus applicable taxes.
• 10X membership rewards on all your spends on Flipkart, Amazon & Uber and 5X membership rewards on Paytm Wallet, Swiggy, BookMyShow.
• 40,000 or more in a year and avail renewal fee waiver.
• EMIs with zero foreclosure charges with an interest rate of 14% per annum.
• 1 Membership Rewards for every Rs.50 spent.
• You can get 1250 Membership Rewards Points every month on American Express SmartEarn Credit Card by just spending Rs.7500.
• Fuel surcharge waiver up to 1% on fuel purchases.

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American Express Membership Rewards Credit Card:

Benefits and Features:

• Receive 4000 Bonus Membership Rewards as a welcome gift.
• Annual Fee: The first year fee is Rs.1000 + applicable taxes and from the second year the fee is Rs.4,500 plus applicable taxes.
• 1,000 Bonus Membership Rewards every month for transactions of Rs.1500 or more and using your American Express Membership Rewards Credit Card 4 times.
• 1,000 Bonus Membership Rewards for spending 20,000 or more in a month.
• You can easily convert your big purchases into EMIs.
• Redeem your points with the luxurious 18 and 24 karat gold collection.
• 1 Membership Rewards for every Rs.50 spent.
• 20% off on dining at select restaurants.

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American Express Platinum ReserveSM Credit Card:

Benefits and Features:

• Receive 11,000 Bonus Membership Rewards as a welcome gift.
• annual fee for this American Express Platinum ReserveSM Credit Card is Rs 5000 + applicable taxes for the first year and Rs 10,000 + applicable taxes after the second year.
• Avail special discounts at your favorite hotels and resorts.
• 1 Membership Rewards for every Rs.50 spent.
• Avail complimentary access to American Express lounges and other domestic lounges across India.
• Complimentary access to premier golf courses in India.
• Receive movie or online shopping vouchers worth Rs.6000 per annum.

American Express Platinum Travel Credit Card:

Benefits and Features:

• 10,000 Membership Reward Points as a welcome gift.
• annual fee for this American Express Platinum Travel Credit Card is 3,500 + applicable taxes for the first year and 5,000 more applicable taxes from the second year.
• 1 Membership Reward for every Rs.50 spent.
• 8 complimentary visits per year (limited to two complimentary visits per quarter) to airport lounges across India.

American Express Credit Card Benefits and Features

Amex offers several types of credit cards. Benefits and features may vary depending on the card. Here are some common features:

• You can buy now with your credit card Do it and pay it later.
• On credit cards, customers are given the benefit of travel, dining, retail, wellness and much more.
• Enjoy exclusive retail offers.
• You can choose the offers you want at any time by logging into your account.
• can take help by calling Amex Credit Card Customer Care number anytime.
• You can log in and access your account anytime and anywhere by visiting the American Express app or the official website.
• Secure and smart way to pay for purchases below Rs.5000, just tap your card on the contactless machine at the point of payment, no need to enter your PIN No, and make your payment.
• If your American Express Credit Card is lost or stolen, you must report it to Amex within 3 days, giving you the benefit of zero lost card liability and protection against any fraudulent transactions.
• If you lose your card somewhere, American Express will have your card replaced within 48 hours so you can continue to take your benefits.
• You get the benefit of online fraud protection guarantee for any fraud.
• american express credit card Get the benefits of membership rewards.
• Organizing events on private occasions, reservation of meals. You get a variety of benefits on using the card at places like golf booking, gift and flower delivery, movie and theater ticket booking etc.

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Amex Credit Card Eligibility

You have to fulfill all the eligibility to apply for credit card. The eligibility is different depending on the card. Eligibility to apply is as follows:

• Applicant must be a citizen of India.
• All types of salaried and self-employed persons can apply for this card.
• Applicant’s age should be 18 years or above.
• Your CIBIL score should be very good. Generally a score of 750 or above is considered good.
• You must have a permanent residential address in India.
• The applicant should have a savings or current account with an Indian or multinational bank in India.
• Applicant’s annual income should be Rs.6 lakh or more (both for salaried, self-employed).
• For Self Employed Person: Your company should be doing business for more than 12 months.

American Express Credit Card Documents required

Before applying for a credit card, you should keep all your documents together so that whenever the card issuer asks you for the documents, you can show them all the documents immediately. Documents may be different for different cards. You can also get more information about the document by calling the American Express credit card customer care number. The documents for applying for a credit card are as follows:

• Proof of Identity: Voter ID Card, Passport, Aadhar Card, Driving License, PAN Card etc.
• Address Proof: Ration Card, Voter ID Card, Electricity Bill, Water Bill, PAN Card, Passport, NREGA Job Card etc.
• passport size photo
• income proof
• pan card
• Other Documents

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AMEX Credit Card Apply

If you fulfill all the conditions of this credit card, then you can apply for it both online and offline. You can also apply for the card by calling the Amex customer care number. To apply, follow the steps given below:

American Express Credit Card apply online

• First of all you need to know about American Express official website But have to come.
• On the home page of the website Click on credit cards option will appear.

• After clicking, all the information related to the credit card will come in front of you on the next page.
• Apply Now will appear in front of the credit card for which you want to apply, click on it.
• The form will open in front of you.
• Enter the requested information in it and click on submit.
• American Express staff will then contact you and issue further processing.

How to apply offline ?

• To apply offline, you have to first visit your nearest American Express branch.
• Visit the branch and get in touch with the American Express employee who will provide you complete credit card details.
• Then your documents will be verified.
• You have to fill a form and submit the documents there.
• If you fulfill all the conditions then you will be issued the card.

How to Check American Express Credit Card Status ?

If you have applied for a credit card then you can easily track the status of your application. You can check the status of your application both online and offline. Apart from this, you can also check the status of your application by calling on the Amex customer care number. You can take offline information by visiting your nearest branch. To check online, you have to visit the official website of Amex and with the help of your application number and mobile number, you can check the status of your application.

Amex Credit Card Charges in India

When you take a credit card, you have to pay many types of charges on it. These fees and charges may vary for different cards. You can check these charges by visiting the official website of American Express as follows:

• First of all, you have to go to the official website of American Express.
• After coming to the website, you will have to come to the credit card option.
• anymore Credit Card Charges Click on the option.
• As soon as you click on this link, the list of all charges will open in front of you.

American Express Credit Card Login

• To log in, you must first visit the official website of Amex.
• On the home page of the website, click on the option of Login.
• The login form will open in front of you.
• Enter username and password in it and log in.

Amex Credit Card Payment 

At the end of the month, you have to pay the card issuer for the amount of money you have done with the help of your credit card, which is also called credit card bill payment. You should pay your credit card bills on time so that your CIBIL score remains good. American Express gives you a variety of options with the help of which you can pay your card bill. This option is as follows:

• Through National Electronic Funds Transfer (NEFT)
• Pay with UPI
• Pay online directly from your bank account using UPI/BHIM-UPI or debit cards powered by RuPay etc.
• Autopay / NACH
• with the help of cheque/draft
• Drop Box – Find the nearest drop box location where you can drop your check or draft.

Amex Credit Card Customer Care Number

If you have any other type of information regarding credit card, then you can get information by calling American Express customer care number.

• Toll Free Number : 1-800-419-2122
• You can go to the official website of American Express Contact Us You can check the list of all contact numbers by clicking on the option of.

In this article we have you Amex Credit Card in India Provided complete information about. If you want to take advantage of American Express credit card, then you can apply for the credit card by following the steps given in this article.

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FAQS on Amex Credit Cards