When looking for the right credit card for your needs, you also need to make sure that you look into banks that are popular for their excellent service. To make your search easier, you might want to check out what internationally known banks have to offer. For your credit card needs, make sure to consider the offerings of American Express India.
With reputable banks such as Amex, you can expect to get high-quality customer care, with the ease and convenience that credit cards provide. These financial institutions also carry an arsenal of cards that can cater to the needs of various individuals. From frequent travels to those who love rewards, you can expect Amex to deliver top-notch features and services.
You can choose from the bank’s Platinum Travel Credit Card, Membership Rewards Credit Card, Platinum Reserve Credit Card and SmartEarn Credit Card. Are you wondering how you can get one? Here’s what you should know about these offers.
American Express Credit Card Features
Before you send an application, you want to familiarize yourself with the features you can expect from an Amex card. All four cards offered by the bank give new cardholders welcome gifts. For the first three, except SmartEarn, you can get Bonus Membership rewards. However, the amount varies depending on which card you get.
For SmartEarn, an Rs. 500 cashback on eligible spending applies. These cards also offer vouchers, access to airport lounges, accommodation privileges, accelerated earn rates and rewards on card renewal. Just remember that each card has its own unique features that can fit your lifestyle.
Applying For An American Express Credit Card Online
If you are interested in getting an American Express credit card, submit an online application form through their website. However, keep in mind that there are eligibility criteria to ensure that you are qualified for the offer. Some of the most basic requirements include having a source of income, a minimum personal annual income, membership to other banks and being a resident of India.
To make your application more convenient, be ready to provide pertinent info such as your legal name, contact details, residence, financial information, and even credit background. For good measure, make sure to have a copy of your latest bank statement, recent payslips, utility bills, and proof of identity.
Amex Credit Card Rates And Fees
Keep in mind that cardholders have the responsibility to pay interest and other pertinent fees. For Amex cards, the most important are interest rates, membership fees, cash advance fees, and late payment penalties. The interest rate for these cards is 3.5% per month, while there is a transaction fee of 3.5% on cash advance transactions with a minimum of Rs. 250 and a 30% charge for the minimum payment that was due applies for late payments. The membership fee varies per card.
Contact American Express
Applying for a credit card from Amex India is easy with an online application. If you have questions, contact the bank’s customer care at 1-800-419-2122 or send mail to American Express Banking Corp. Cyber City, Tower-C, DLF Bldg. No.8, Sector-25, DLF City Ph-II, Gurgaon-122002 Haryana, India.
The Bottom Line
If you are looking for a new credit card, don't forget to consider foreign bank offers. Check out these offers from American Express before you make any decisions about your next credit card.
*Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.
