American Express Credit Cards

American Express Credit Cards in India — 2026

American Express operates its card business directly in India (not through a bank partner), giving it full control over rewards, benefits, and customer service. Amex cardholders gain access to the global Membership Rewards ecosystem, Centurion Lounges, and exclusive restaurant partnerships.

Portfolio Highlights

Platinum Card: The flagship metal card with unlimited lounge access (Centurion + Priority Pass), complimentary hotel status (Hilton Honors Gold, Marriott Bonvoy Gold), global dining programme, and travel insurance. Annual fee ₹60,000.

Amex Gold: Strong dining and shopping card with 5X MR points on dining, 4X on groceries and fuel, and monthly dining credits. Annual fee ₹4,500 (often waived on spend).

Amex MRCC (Membership Rewards Credit Card): The entry-level Amex with 1X MR on most spends, 5X on eligible partner merchants, and a joining bonus. Annual fee ₹4,500.

Membership Rewards Value

Amex MR points are among the most valuable bank rewards globally. Points transfer at 1

to Air India Flying Returns, Emirates Skywards (2 ), British Airways Avios, Singapore KrisFlyer (2 ), and 15+ other programmes. For frequent international travellers, Amex points unlock premium cabin redemptions at excellent value.

Acceptance in India

Amex acceptance in India is lower than Visa/Mastercard at offline merchants but strong at premium hotels, restaurants, and e-commerce. The Amex app provides a merchant finder. Amex is investing in expanding acceptance via tap-to-pay and SME partnerships.