American Express Credit Card Offers in India 2023: AMEX Offers, Annual Fee & More

Amex credit cards offer some of the best benefits and rewards to their users. Any American Express Credit Card that you get will have many irresistible offers, be it the super-premium Amex Platinum card, the American Express Travel card, or others. This financial company provides various credit card services in India, but the real confusion starts when you try to find the best Amex card for yourself. Today, we will talk about all those Amex Credit Cards, their offers, reward points, and annual fees. Moreover, you will also learn how to apply for an American Express credit card in India in 2023. 

American Express credit cards are known for their attractive offers and reward points. The Amex offers include but are not limited to 10X rewards points, huge cashback on your credit card spends, vouchers from popular merchants like Amazon and Flipkart, airport lounge access, and many more mouthwatering benefits. So, let’s take a closer look at all the American Express credit card offers with the help of a table:

With all these benefits, all American Express credit cards are worth spending your time on. Keeping the same in mind, we will be talking about these five Amex credit cards today:

1. American Express SmartEarn Credit Card

2. American Express Membership Rewards Credit Card

3. American Express Platinum Travel Credit Card

4. American Express Platinum Reserve Credit Card

5. American Express Platinum Credit Card

The American Express SmartEarn Credit Card is an entry-level credit card that has some great rewards and benefits just for you. Coming at a minimal joining and annual fee, this Amex card offers 1 reward point for every ₹50 that you spend except for spends on fuel, insurance, utilities, cash transactions, and EMI. Also, it has exciting offers like 10X reward points on your Flipkart, Amazon, and Uber spending; and 5X membership rewards points on Paytm wallet, Swiggy, BookMyShow, and more.

Here are all the offers that this Amex card comes with:

• Up to 1,250 membership reward points every month for spending Rs 7,500 on partner stores.

• Get ₹500 cashback on selected spends of at least Rs 10,000 within the first 90 days of issuing the American Express SmartEarn Credit Card.

• Get vouchers worth ₹500 if you reach spending milestones of ₹1.20 lakhs, ₹1.80 lakhs, and ₹2.40 lakhs, within a year.

Reward Points Rate: 1 reward point per ₹50 spent.

The joining fee for this Amex credit card is ₹495 plus taxes, and the renewal fee is ₹495 (plus taxes) too. Fortunately, this renewal fee of Rs. 495 can be waived off for eligible spending worth ₹40,000 and above in the previous year. So, considering the benefits that you get and the annual fee waiver, this American Express credit card is the best option if you are looking for an entry-level credit card. To summarize it all, here are a few pointers:

• Joining Fee: ₹495 plus taxes

• Renewal Fee: ₹495 plus taxes

• Annual Fee Waiver: Spend Rs. 40,000 or more in the previous year.

Check out the eligibility criteria for the American Express SmartEarn credit card right below:

1. The applicant is a resident of India.

2. Minimum salary for working employees: Rs. 4.5 lakhs.

3. Minimum annual income for self-employed individuals: Rs. 6 lakhs

4. Good credit history with no payment defaults.

5. The applicant needs to be a resident of any of these places: Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru.

6. Minimum age: 18 years

7. If self-employed, the applicant’s company must be trading for more than a year.

For more information, you can visit American Express SMartEarn Credit Card.

So, if this Amex credit card has piqued your interest, make sure to apply for it by hitting the button given below:

The Amex Membership Rewards Credit Card does exactly what it says, it rewards you with a lot of membership reward points. This American Express Credit card offers 4,000 bonus membership rewards points as a welcome gift if you spend Rs. 15,000 within the first 90 days of the card membership and pay your annual membership fee too. We have mentioned all the offers and rewards that you get with this American Express credit card below:

• 1,000 rewards points for using your Amex card 4 times on transactions of Rs. 1,500 or more, every month.

• Get another 1,000 reward points for spending ₹20,000 or more in a month with your Amex credit card.

Some of the exclusive offers that you get with this Amex card are its splendid rewards from the 18 carat and 24 carat Membership Rewards Gold Collection, chosen by you. The available options in the 24 carat category for you are:

• Taj voucher worth Rs. 14,000

• Shopper Stop voucher worth Rs. 11,000

• Vistara voucher worth Rs. 11,000

• Tanishq voucher worth Rs. 10,000

• Amazon voucher worth Rs. 9,000

• Croma voucher worth Rs. 9,000

• Flipkart voucher worth Rs. 9,000

While in the 18 carat category, you get these reward options with this Amex card:

• Taj voucher worth Rs. 9,000

• Shoppers Stop voucher worth Rs. 8,000

• Myntra voucher worth Rs. 8,000

• Amazon voucher worth Rs. 7,000

• Croma voucher worth Rs. 7,000

• Flipkart voucher worth Rs. 7,000

Reward Points Rate: 1 reward point per ₹50 spent.

All in all, this Amex credit card offers you many, seriously many reward points, and thus, you are bound to love it.

The joining fee for the American Express Membership rewards credit card is Rs. 1,000 plus taxes and the annual renewal fee is Rs. 4,500 plus taxes. For the best part, the annual renewal fee of Rs. 4,500 for this Amex card can be waived off in these conditions:

• 100 Waiver: If the user spent Rs. 1,50,000 in the preceding year.

• 50% Waiver: If the user spent Rs. 90,000 using the card in the preceding year.

This is really a great benefit if you consider all the American Express credit card offers that you get with this one. Even if you are not able to spend more to waive off 100% of your Amex card’s fee, getting a 50% waiver is not bad either.

To be eligible for an American Express Membership Rewards Credit Card, you need to meet the following criteria:

1. The applicant must be a resident of India.

2. Minimum annual income: Rs. 6 lakhs (Salaried and self-employed)

3. Good credit history with no payment defaults.

4. The applicant needs to be a resident of any of these places: Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru.

5. Minimum age: 18 years

6. If self-employed, the applicant’s company must be trading for more than a year.

To know more, do not forget to visit American Express Membership Rewards Credit Card.

You can apply for this Amex Credit Card and avail of its offers by clicking the button below: 

The Amex Platinum Travel credit card is your ultimate travel companion. This card by Amex offers the best travel benefits such as 8 complimentary domestic lounge access every year, travel vouchers on Amex Travel Online (ATO), etc. As a welcome gift, this American Express credit card offers you 10,000 membership rewards points that are redeemable for Flipkart vouchers or you can use those reward points to pay in ATO for transactions worth up to Rs. 3,000 in total. Other offers of this credit card are:

• Spend Rs. 1.90 lakhs in a year to get 15,000 rewards points or a Pay with Points option in ATO worth Rs. 4,500.

• On spends of Rs. 4 lakhs in the same calendar year, the American Express Platinum Travel Credit Card offers 25,000 rewards points which are again redeemable for Flipkart vouchers or you get a Pay with Points option in ATO worth Rs. 7,500 and a Taj Group voucher worth Rs. 10,000.

• Amex card provides you with a complimentary Priority Pass too and its annual fee of $99 gets waived off.

• You also get 12 domestic and international complimentary lounge access with this Amex credit card every year.

Reward Points Rate: 1 reward point per ₹50 spent.

The American Express Platinum Travel Credit Card’s annual fee for the first year is ₹3,500 plus applicable taxes. From the second year onwards, the renewal fee is ₹5,000 plus applicable taxes. As of now, there’s no annual fee waiver for this American Express credit card. Stay tuned to know any and all the latest details on the same.

To apply for an American Express Platinum Travel Credit Card, you must meet the following criteria:

1. The applicant must be a resident of India.

2. Minimum annual income: Rs. 6 lakhs (Salaried and self-employed)

3. Good credit history with no payment defaults.

4. The applicant needs to be a resident of any of these places: Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru.

5. Minimum age: 18 years

6. If self-employed, the applicant’s company must be trading for more than a year.

Make sure to visit American Express Platinum Travel Credit Card for more details.

Click the button below to apply for the American Express Platinum Travel Credit Card right now: 

Being a premium credit card, the American Express Platinum Reserve card has got a complete package of outstanding offers and rewards for you. For a welcome gift, this Amex credit card offers 11,000 bonus membership reward points. You also get complimentary access to American Express and Plaza Premium lounges in Delhi and Mumbai. Here are all the benefits of the American Express Platinum Reserve credit card:

• 12 complimentary domestic airport lounge access in a year.

• Get BookMyShow or Flipkart vouchers worth Rs. 500 per month if you spend Rs. 25,000 or more within a month.

• Get a Taj group voucher worth Rs. 10,000 after spending Rs. 5 lakhs in a year and paying the annual fee.

• Enjoy 2 complimentary access to the best golf courses in India every month.

• Complimentary Taj Epicure and Eazy Diner Prime memberships.

Reward Points Rate: 1 reward point per ₹50 spent.

All these Amex credit card offers are too hard to resist, aren’t they?

The American Express Platinum Reserve Credit Card’s annual fee for the first year is Rs. 5,000 plus taxes and from the second year onwards, the renewal fee is Rs. 10,000 plus taxes.

Given below is the eligibility criteria for the American Express Platinum Reserve Credit Card:

1. The applicant must be a resident of India.

2. Minimum annual income: Rs. 6 lakhs (Salaried and self-employed)

3. Good credit history with no payment defaults.

4. The applicant needs to be a resident of any of these places: Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru.

5. Minimum age: 18 years

6. If self-employed, the applicant’s company must be trading for more than a year.

For information on the same, do visit American Express Platinum Reserve Credit Card.

You can click the button given below to apply for the American Express Platinum Reserve Credit Card: 

The American Express Platinum Card is a super premium credit card with almost all the benefits that you will expect from a credit card. It comes with domestic and international lounge access, high reward points, dining offers, access to golf courses, a reward points multiplier, and many more benefits. Some of the best Amex Platinum Card offers are:

• Lodging benefits at 1000+ hotels and resorts worldwide.

• 24x7 concierge service.

• Complimentary access to more than 30 golf courses in India.

• Elite tier memberships

• Free access to ‘By Invitation Only’ events.

• Complimentary wine or dessert at more than 100 restaurants across the country.

• 5X reward points with rewards multiplier.

• Enjoy 3X reward points on all overseas spends.

• Get 5 reward points on every Rs. 100 that you spend on fuel.

Reward Points Rate: 1 reward point per ₹40 spent.

Yup, these are some of the many rewards and offers you get with the American Express Platinum credit card in India.

The annual fee of the Amex Platinum card is ₹60,000 plus taxes. This is a fair price for a super premium credit card that comes with these many offers and benefits.

American Express Platinum Eligibility

The eligibility criteria for an American Express Platinum card is given below:

1. The applicant is a resident of India.

2. Minimum salary for working employees: Rs. 25 lakhs.

3. Minimum annual income for self-employed individuals: Rs. 15 lakhs

4. Good credit history with no payment defaults.

5. The applicant needs to be a resident of any of these places: Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru.

6. Minimum age: 18 years

7. If self-employed, the applicant’s company must be trading for more than a year.

For more information, you can visit American Express Platinum Card.

If you are eligible and want to apply for an American Express Platinum card, simply click the button given below: 

Four out of five Amex cards mentioned above come with a reward rate of 1 point per ₹50 spent, while the American Express Platinum credit card gives 1 reward point for every ₹40 that the user spends. So if you have been wondering about what is the value of Amex reward points in India in 2023, it’s not definite for all spends. The value of an Amex reward point may vary from 25 paise to 50 paise depending on the types of expenses.

These are all the top American Express Credit Cards and their offers in India in 2023. We have tried summarizing all the important information such as Amex card offers, reward points, charges, etc. in this article. But do not hesitate to ask any questions that you may have regarding these American Express credit cards. Also, do let us know your thoughts on all these credit cards and the offers that they come with.