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 Charge Card: The flagship card with unlimited lounge access (Centurion + Priority Pass), complimentary hotel status (Hilton Honors Gold, Marriott Bonvoy Gold), global dining programme, and travel insurance - earns 1 MR point per ₹40 domestic, 3X on international spends, and up to 20X on luxury brands.
Gold Charge Card: Strong dining and shopping card earning 1 MR point per ₹50 with up to 5X via the Reward Multiplier programme on eligible categories.
Membership Rewards & SmartEarn: The accessible entry points - SmartEarn's 10X on Zomato/Flipkart/Uber and 5X on Amazon make it the practical first Amex card, while Membership Rewards offers a broader 1 MR/₹50 base rate across shopping, travel, and dining.
Membership Rewards Value
Amex MR points are among the most valuable bank rewards globally. Points transfer at 1:1 to Air India Flying Returns, Emirates Skywards (2:1), British Airways Avios, Singapore KrisFlyer (2:1), 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
Amex Cards Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| American Express SmartEarn Credit Card | ₹495 + GST | Reward Points | ₹495 + GST — ₹495 + GST — Lowest-cost entry, Zomato/Flipkart/Uber |
| American Express Membership Rewards Credit Card | ₹1,000 + GST | Reward Points | ₹1,000 + GST — ₹4,500 + GST — Shopping, travel, dining rewards |
| American Express Gold Charge Card | ₹1,000 + GST | Reward Points | ₹1,000 + GST — ₹4,500 + GST — Dining- and shopping-heavy spenders |
| American Express Platinum Travel Credit Card | ₹5,000 + GST | Reward Points | ₹5,000 + GST — ₹5,000 + GST — Accessible travel-focused entry |
| American Express Platinum Reserve Credit Card | ₹10,000 + GST | Reward Points | ₹10,000 + GST — ₹10,000 + GST — Step-up travel/dining benefits |
| American Express Platinum Charge Card | ₹66,000 + GST | Reward Points | ₹66,000 + GST — ₹66,000 + GST — Flagship - Centurion Lounge, hotel status |
Eligibility Guide
₹6 lakh p.a.
720+
18+ years
Eligibility for American Express Cards in India
General Criteria
- Age: 18+ years
- Income: ₹6 lakh p.a. (SmartEarn/MRCC/Gold); ₹15 lakh+ p.a. (Platinum Travel/Reserve); higher still for Platinum Charge Card
- Credit Score: 720+ recommended; 750+ for Platinum-tier cards
- Residency: Indian resident
Key Documents
- PAN card
- Aadhaar or passport (address proof)
- Salary slips or bank statements (income proof)
- ITR for last 2 years (self-employed applicants)
Amex accepts online applications at americanexpress.com/in. Approval is based on income verification and credit history. Platinum Charge Card applications typically require a personal relationship with Amex or referral from an existing Platinum / Centurion member.
All American Express Credit Cards
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American Express Corporate Green Card
Joining Fee:
Free (1st year)
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:
Free (1st year)
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