Credit Card benefits & features

There are many reasons for considering an American Express Credit Card – here are just a few:

Financial flexibility

Boost your spending power with a Credit Card, allowing you to buy now and pay later. Read more on how Credit Cards work here.

Rewarding offers and benefits

As an American Express Cardmember you’ll have access to offers across travel, dining, retail, wellness and more. So you could indulge in curated dining experiences, enjoy exclusive retail offers or treat yourself at the spa. Explore more here.

With Amex Offers, you can even choose treats tailored for you. Just log in into your online account and save the offers you like with a single click.

Experience the world-class service with all our Credit Cards

24×7 Platinum Assist No matter your query, you’ll get 24×7 Card Related Assistance. Wherever you are, just reach out – we’re always ready to help.

Online services View and manage your account anywhere in the world by using your Online Card Account, or the American Express App.

Contactless payment Your American Express Card offers the additional benefit of contactless payments; a secure and smart way to pay for all purchases below INR 5,000. Simply tap your Card on the contactless machine at the point of sale, and you won’t need to enter a PIN.

Zero Lost Card liability

Should you lose your Card, American Express’s Zero Lost Card liability protects you against any fraudulent transactions made with your Card. Just report the fraud within three days, and your liability will be nil. Refer to Most Important Terms & Conditions for complete details.

Emergency Card replacement

If you lose your Card, we’ll usually replace it within 48 hours, wherever you are in the world, so you can carry on with your plans.

Online Fraud Protection Guarantee

Our early detection systems monitor potentially fraudulent activity. In the unlikely event that you are a victim of Card fraud, and you have taken reasonable care, you won’t be held responsible for any fraudulent charges.

Membership Rewards

Feel rewarded with one of the most powerful rewards programs, allowing you to earn Membership Rewards Points every time you spend.

You can redeem your points across a variety of options with our American Express Membership Rewards® Catalogue. Take your pick from a selection of hand-picked rewards (with 500+ redemption options) – from travel and accommodation to electronics and luxury retail.

Earn and redeem points on Cards like American Express Platinum® Travel Credit Card, American Express Membership Rewards® Credit Card, American Express SmartEarn® Credit Card.

Platinum Concierge

With the American Express Platinum Reserve® Credit Card, you’re automatically entitled to use our premium Concierge Service.

A dedicated team is on call 24 hours a day, ready to take care of all your lifestyle needs. Whether you’re struggling to get last-minute reservations or forgot to send flowers to a special someone on their birthday, with the powerful backing of American Express, you’ll get it sorted. We offer assistance with:

  • Locating or sourcing goods/services at home or abroad
  • Personal arrangements while at home or abroad
  • Organizing events on private occasions
  • Dining reservations
  • Golf bookings
  • Gift and flower delivery
  • Movie and theatre ticket bookings
  • Reservations for ‘By Invitation Only’ events, and much more