CREDIT CARD ISSUER

American Express Credit Cards

Q: How do I apply for a American Express credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen American Express card. You will be redirected securely to American Express's official digital application portal to complete KYC and application verification.

Q: What are the eligibility and credit score requirements for American Express credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Q: Can I get an annual fee waiver on American Express credit cards?

Many American Express credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Q: Do American Express credit cards support RuPay UPI payments?

Yes, American Express issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

American Express offers premium credit and charge cards in India with Membership Rewards, travel, lifestyle and service-focused benefits.

Official Portal Support Compare vs Rivals

Total Offerings

7 Active Cards

Fee Range

₹495 – ₹2,75,000

Payment Networks

American Express

Zero Fee / LTF

Spend Waiver

Switch Issuer:HDFC SBI ICICI Axis IDFC FIRST AU Bank HSBC BOBCARD Canara DBS All Issuers →

AMERICAN EXPRESS PORTFOLIO

American Express Credit Cards

Explore 7 active cards and filter them by how you spend.

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Showing 7 of 7 verified American Express credit cards

Verified

5.0

American Express

American Express Centurion Card

•••• •••• •••• Card2026

American Express Centurion Card

Airport Lounge

BEST FOR

Ultra-premium customers seeking premium travel, lounge and concierge benefits.

Annual Fee₹2,75,000

RewardsStandard

Lounge AccessUnlimited Domestic & International

Forex Markup3.5%

Last verified 3 Oct 2026

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Verified

American Express

American Express Gold Card

•••• •••• •••• Card2026

American Express Gold Card

BEST FOR

Disciplined Monthly Spenders, Milestone Collectors & Gold Collection Redeemers

Annual Fee₹4,500

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹1,50,000 annual spend

Last verified 2 Oct 2026

american_express

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Verified

4.7

American Express Membership Rewards Credit Card

RewardsShoppingLifestyle

BEST FOR

Disciplined Monthly Spenders, Reward Point Maximizers & Marriott Bonvoy Loyalty Enthusiasts

Annual Fee₹4,500

Rewards1 MR point per ₹50 spent + 1,000 bonus points on 4x ₹1,500 spends + 1,000 on ₹20k monthly spend

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹1,50,000 annual spend

Last verified 2 Oct 2026

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Verified

American Express

American Express Platinum Card

•••• •••• •••• Card2026

American Express Platinum Card

Airport Lounge

BEST FOR

Ultra-High-Net-Worth Individuals, Luxury Global Travelers & Elite Concierge Seekers

Annual Fee₹66,000

RewardsStandard

Lounge AccessUnlimited Domestic & International

Forex Markup3.5%

Last verified 2 Oct 2026

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Verified

4.6

American Express Platinum Reserve Credit Card

TravelShoppingDining

BEST FOR

Affluent Urbanites, Movie Lovers Seeking BookMyShow Perks & Golf Enthusiasts

Annual Fee₹10,000

Rewards1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.

Lounge Access12 Domestic visits/year

Forex Markup3.5%

Last verified 2 Oct 2026

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Verified

4.3

American Express Platinum Travel Credit Card

TravelRewardsPremium

BEST FOR

High Spenders with ₹4L–₹7L Annual Spends, Taj Hotel Staycationers & Domestic Travelers

Annual Fee₹5,000

Rewards1 MR Point per ₹50 spent + up to 40,000 bonus milestone points + ₹10,000 Taj voucher

Lounge Access8 Domestic visits/year

Forex Markup3.5%

Last verified 2 Oct 2026

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Verified

4.5

American Express SmartEarn Credit Card

Shopping

BEST FOR

Young Earners, First-Time Amex Applicants & Regular Shoppers on Amazon, Flipkart, Swiggy & Uber

Annual Fee₹495

Rewards1 Membership Reward Point/Rs. 50 spent (with a few exceptions), 10X Reward Points on Flipkart, Uber, Zomato, AJIO, PVR, Blinkit and more.

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹40,000 annual spend

Last verified 2 Oct 2026

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COMPETITOR BENCHMARK

Compare American Express vs Competitor Banks (2026)

Benchmark American Express flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

American Express vs Competitor Banks (2026 Comparison)

Open Compare Matrix

Bank & Flagship Card	Key Specialization	Annual Fee	Top Highlight / Perk	Action
HDFC BankHDFC Bank Millennia Credit Card	Cashback	₹1,000	5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)	Explore
SBI CardCashback SBI Card	Cashback	₹999	Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in	Explore
ICICI BankAmazon Pay ICICI Bank Credit Card	Cashback	Free (LTF)	Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges	Explore
Axis BankAirtel Axis Bank Credit Card	Cashback	₹500	25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App	Explore
IDFC FIRST BankIDFC FIRST Select Credit Card	Travel	Free (LTF)	100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever	Explore

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About American Express Credit Cards

Issuer history, core reward architecture, and market position

Why Choose American Express Credit Cards?

Distinctive advantages of holding cards from American Express

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

American Express Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.

Frequently Asked Questions

Frequently Asked Questions About American Express Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a American Express credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen American Express card. You will be redirected securely to American Express's official digital application portal to complete KYC and application verification.

What are the eligibility and credit score requirements for American Express credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Can I get an annual fee waiver on American Express credit cards?

Many American Express credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Do American Express credit cards support RuPay UPI payments?

Yes, American Express issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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