American Express Credit Cards
American Express - Premium Global Travel & Dining Cards
9
₹9,388
American Express Corporate Green Card
Reward Points
About This Bank
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.
Featured American Express Cards
American Express Platinum Travel Credit Card
Joining Fee:
₹5,000 + GST
Renewal Fee:
₹5,000 + GST
Reward Type:
Reward Points
American Express Membership Rewards Credit Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹4,500 + GST
Reward Type:
Reward Points
American Express Gold Charge Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹4,500 + GST
Reward Type:
Reward Points
American Express SmartEarn Credit Card
Joining Fee:
₹495 + GST
Renewal Fee:
₹495 + GST
Reward Type:
Reward Points
American Express Platinum Charge Card
Joining Fee:
₹66,000 + GST
Renewal Fee:
₹66,000 + GST
Reward Type:
Reward Points
American Express Platinum Reserve Credit Card
Joining Fee:
₹10,000 + GST
Renewal Fee:
₹10,000 + GST
Reward Type:
Reward Points
Eligibility Guide
₹6 lakh p.a.
720+
18+ years
Eligibility for American Express Cards in India
- Age: 18+ years
- Income: ₹6 lakh p.a. (MRCC/Gold); ₹15 lakh+ p.a. (Platinum)
- Credit Score: 720+ recommended; 750+ for Platinum
- Residency: Indian resident
Amex accepts online applications at americanexpress.com/in. Approval is based on income verification and credit history. Platinum card applications typically require a personal relationship with Amex or referral from an existing Platinum / Centurion member.
All American Express Credit Cards
American Express Corporate Green Card
Joining Fee:
Nil
Renewal Fee:
₹2,100 + GST
Reward Type:
Reward Points
American Express Gold Charge Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹4,500 + GST
Reward Type:
Reward Points
American Express Gold Corporate Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹4,500 + GST
Reward Type:
Reward Points
American Express Membership Rewards Credit Card
Joining Fee:
₹1,000 + GST
Renewal Fee:
₹4,500 + GST
Reward Type:
Reward Points
American Express Platinum Charge Card
Joining Fee:
₹66,000 + GST
Renewal Fee:
₹66,000 + GST
Reward Type:
Reward Points
American Express Platinum Corporate Card
Joining Fee:
Nil
Renewal Fee:
₹40,000 + GST
Reward Type:
American Express Platinum Reserve Credit Card
Joining Fee:
₹10,000 + GST
Renewal Fee:
₹10,000 + GST
Reward Type:
Reward Points
American Express Platinum Travel Credit Card
Joining Fee:
₹5,000 + GST
Renewal Fee:
₹5,000 + GST
Reward Type:
Reward Points
American Express SmartEarn Credit Card
Joining Fee:
₹495 + GST
Renewal Fee:
₹495 + GST
Reward Type:
Reward Points