American Express Credit Card Benefits

Here are some of the reasons why you must consider getting an American Express credit card:

• Financial flexibility: Amex cards boost your spending power, allowing you to buy now and pay later
• Rewarding offers and benefits: As an American Express cardholder, you get access to many exciting offers across travel, retail, dining, wellness and more.
• EMI option: Credit cards can increase your spending power when used responsibly, allowing you to pay for big-ticket purchases when you need them. Amex credit cards allow you to convert purchases of Rs. 5,000 or more into EMIs at the point of sale or post-transaction with a low rate of interest, no paperwork, and zero foreclosure charges. 
• Rewards: Owning an Amex credit card could earn you rewards on every shopping. Just pay with your American Express credit card to earn membership rewards points and spend them on retail, travel or other special experiences.
• Travel benefits: You can use Membership Rewards Points on a range of travel benefits, like hotel stays and air miles. Amex Platinum credit card offers additional luxuries such as complimentary airport lounge access, top hotel discounts, etc. Also, Amex credit cards can be used around the world.
• Build credit: When used well, Amex credit cards could help you build a strong credit and credit score. Make sure you use your card regularly and make all repayments on time to build your credit rating. This, in turn, will make it easier for you to secure future loans.
• Credit card protection: The safe security systems of American Express allow you to use your credit card online as well as offline with confidence.

Below are some exciting Amex card benefits types in India:

• 24x7 platinum assist: Get 24x7 for any card related assistance. 
• Online services: You can view and manage your account from anywhere in the world by using your Amex’s Online Card Account or the American Express App. 
• Contactless payment: Your Amex card offers the contactless payment option, which is a secure and smart way to pay for all purchases below Rs. 5,000. Just tap your credit card on the contactless machine at the PoS. 
• Zero lost card liability: In case you lose your Amex card, American Express’s Zero Lost Card liability will protect you against any fraudulent transactions made with the card. Just report the fraud within 3 days, and your liability will be nil.
• Emergency card replacement: In case you lose your card, American Express usually replaces it within 48 hours, wherever you are in the world.
• Online fraud protection guarantee: The early detection systems of Amex monitor potentially fraudulent activity. In the unfortunate event of card fraud, you will not be held responsible for any fraudulent charges.
• Membership reward points: With one of the most powerful rewards programs, Amex credit cards allow you to earn Membership Rewards Points every time you spend. These points can be redeemed for a variety of travel rewards, shopping rewards, entertainment rewards and so on. You can also transfer your points to other loyalty programs such as frequent flyer programs and frequent guest programs.
• Platinum concierge: With the American Express credit card, you are entitled to use premium concierge service. A dedicated team is on call 24x7, ready to take care of all your lifestyle needs.

Following are the key American Express card benefits and features:

• Welcome gift of 4,000 Bonus Membership Reward (MR) Points.
• Earn 1 MR Points for spending every Rs. 50 (except on fuel, utilities, insurance, cash transactions and EMI conversion at Point of Sale).
• Earn 1,000 Bonus MR Points for using your card 4 times on transactions of Rs. 1,500 or more in a calendar month.
• Earn an additional 1,000 MR Points on spending Rs. 20,000 or above in a calendar month.
• Earn 5,000 MR Points on payment of annual membership fee on first-year card renewal. 
• Use your Amex credit card for next big purchase and pay in EMIs.
• Redeem your MR Points for any one of the following fabulous reward options from the new 18 and 24 Karat Gold Collection:
  • 24,000 MR Points/ 24 Karat Gold Collection (choose any one of below):
    • Amazon voucher worth Rs. 9,000
    • Taj voucher worth Rs. 14,000
    • Tanishq voucher worth Rs. 10,000
    • Shoppers Stop voucher worth Rs. 11,000
    • Flipkart voucher worth Rs. 9,000
  • 18,000 MR Points/ 18 Karat Gold Collection (choose any one of below):
    • Amazon voucher worth Rs. 7,000
    • Taj voucher worth Rs. 9,000
    • Myntra voucher worth Rs. 8,000
    • Shoppers Stop voucher worth Rs. 8,000
    • Flipkart voucher worth Rs. 7,000

• Get up to 20% discount every time you dine at select restaurants.
• Joining fee: Rs. 1,000 + applicable taxes. 
• Annual fee: Rs. 4,500 + applicable taxes. 
• The annual membership fee will be 100% waived off if total spends on the card in the immediately preceding membership year is Rs. 1,50,000 or above; else 50% annual membership renewal fee will be waived if total spends the card in the immediately preceding membership year is Rs. 90,000 to Rs. 1,49,999.

• Welcome gift of 4,000 Bonus MR Points.
• Get flexibility with ‘no pre-set spending’ limit.
• Earn 1 MR Point for spending every Rs. 50 including fuel and utilities spend.
• Earn 5X MR Points on every purchase through Reward Multiplier.
• Earn 1,000 bonus points on 6 transactions of Rs. 1,000 every calendar month.
• Redeem your MR Points for any one of the following fabulous reward options from the new 18 and 24 Karat Gold Collection:
  • 24,000 MR Points/ 24 Karat Gold Collection (choose any one of below):
    • Amazon voucher worth Rs. 9,000
    • Taj voucher worth Rs. 14,000
    • Tanishq voucher worth Rs. 10,000
    • Shoppers Stop voucher worth Rs. 11,000
    • Flipkart voucher worth Rs. 9,000
  • 18,000 MR Points/ 18 Karat Gold Collection (choose any one of below):
    • Amazon voucher worth Rs. 7,000
    • Taj voucher worth Rs. 9,000
    • Myntra voucher worth Rs. 8,000
    • Shoppers Stop voucher worth Rs. 8,000
    • Flipkart voucher worth Rs. 7,000

• Get up to 20% off every time you dine at partner restaurants.
• Joining fee: Rs. 1,000 + applicable taxes.
• Annual fee: Rs. 4,500 + applicable taxes.

• Get Rs. 500 cashback as a welcome gift in the form of a statement credit on eligible spends of Rs. 10,000 in the first 90 days of card membership
• Earn Accelerated MR Points on spending on Amazon, Flipkart, Uber, BookMyShow, etc.
• Earn vouchers worth Rs. 500 on reaching the spend milestones of Rs. 1.20 Lakhs, Rs. 1.80 Lakhs, and Rs. 2.40 Lakhs respectively in a card membership year.
• Convert purchases into EMIs at the point of sale with an interest rate of as low as 14% p.a. and 0% foreclosure charges
• Get 10X rewards for spending every Rs. 50 on BookMyShow, Zomato, Ajio, Nykaa, Uber, etc. 
• Get 5X rewards for spending every Rs. 5 on Amazon and Paytm Wallet. 
• Earn 1 MR Point for spending every Rs. 50 except for spends on fuel, utilities, insurance, cash transactions and EMI conversion at the Point of Sale.
• Joining fee: Rs. 495 + applicable taxes.
• Annual fee: Rs. 495 + applicable taxes.
• The renewal fee is waived on eligible spends of Rs. 40,000 or more in the previous year of card membership.

• Get a welcome gift of 11,000 Bonus MR Points.
• Earn 1 MR Point for spending every Rs. 50 spent except for spends on fuel, utilities, insurance, cash transactions and EMI conversion at the Point of Sale.
• Redeem your reward points for over 500 options across dining, travel, accessories and more.
• Enjoy movie or online shopping vouchers worth Rs. 6,000 per year.
• Get complimentary Taj Epicure and EazyDiner Prime memberships.
• Get complimentary access to domestic airport lounges across India. 
• Get a complimentary membership to Priority Pass, with the US$99 annual membership fee waived.
• Get complimentary access twice a month to over 32 lush green courses in India without a green fee.
• Get a Taj stay voucher worth Rs. 10,000 on spending Rs. 5,00,000 in a card membership year and payment of the annual fees of Rs. 10,000 on your card.
• Joining fee: Rs. 5,000 + applicable taxes. 
• Annual fee: Rs. 10,000 + applicable taxes.

• Get a welcome gift of 10,000 MR points, redeemable for a Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 3,000. 
• Earn 15,000 MR points on spending Rs. 1.90 Lakhs in a year, redeemable for a Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 4,500. 
• Earn 1 MR Point for spending every Rs. 50 on the card except for spends on fuel, utilities, insurance, cash transactions and EMI conversion at the Point of Sale.. 
• On spending Rs. 1.90 Lakhs in a year, earn 3,400 Regular MR Points, redeemable for vouchers or travel benefits worth Rs. 1,020.
• On spending Rs. 1.90 Lakhs in a card membership year, get a Flipkart voucher or Travel benefits on Amex Travel Online worth Rs. 4,500.
• Spend Rs. 4 Lakhs in a card membership year and get a Taj Stay voucher worth Rs. 10,000 from Taj, SeleQtions and Vivanta Hotels. The voucher will be mailed to you after reaching the spend threshold of Rs. 4 Lakhs.
• You can continue to earn MR Points on all your spending with the American Express Platinum Travel Credit Card.
• Spend Rs. 4 Lakhs in a year and additionally get benefits worth up to Rs. 8,000.
• On spending Rs. 4 Lakhs in a year, earn 25,000 MR points redeemable for a Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 7,500.
• On spending Rs. 4 Lakhs in a year, earn an additional 3,600 Regular MR Points, redeemable for vouchers or Travel benefits worth Rs. 1,080.
• Get 8 complimentary visits per year (limited to 2 complimentary visits per quarter) to airport lounges across India.
• Get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels.
• 0% convenience fee on fueling up at HPCL.
• Get exciting discounts of up to 20% on dining at select restaurants. 
• Use your Amex credit card for your next big purchase and pay in easy EMIs.
• Joining fee: Rs. 3,500 + applicable taxes. 
• Annual fee: Rs. 5,000 + applicable taxes.

• Get stay vouchers worth Rs. 45,000 from Taj, SeleQtions and Vivanta Hotels.
• Get access to 1300+ best in class airport lounges like The Centurion® Lounges, Delta Sky Club®, Escape Lounges, Domestic Partner Lounges in India and Priority Pass lounges.
• Get benefits worth Rs. 44,300 booking every time at one of the 1000+ properties under the Fine Hotels & Resorts collection.
• Get 25% off at Taj, SeleQtions & Vivanta Hotels and 50% off on Suites at Oberoi Hotels & Resorts.
• Get protection against fraud or theft of your credit card, 24x7 across the globe.
• Platinum Concierge services.
• Access to free WiFi, gourmet cuisines and other exclusive services during wait between flights in Amex lounges spread across 130+ countries.
• Exclusive deals on some of the world's best airlines like Emirates, Qatar Airways, Virgin Atlantic, Delta Airlines, etc.
• Get complimentary benefits worth Rs. 44,300 at iconic 5-star properties with guaranteed 4pm late check-out, room upgrades (when available), daily breakfast for two, and WiFi or a special amenity at each property worth US$100.
• This card fast-tracks you to the higher tiers of leading hotel loyalty programs across the world, without any criteria.
• Get Coverage of Rs. 5 Crore for death due to air accident, if the air ticket is bought on the Platinum Card.
• Get complimentary Overseas Medical Insurance of US$ 50,000 for the first 7 days of your trip.
• Get protection against loss/ damage of tangible goods within 90 days of purchase due to fire, burglary or natural calamities.
• Earn 3X MR Points on everything, every time you spend abroad.
• Earn 1 MR Points for spending every Rs. 40 on the card.
• The accumulated points never expire and can be used for payment or redemption for 500+ options across travel, dining, accessories, etc. 
• Earn 5X MR Points on every purchase through Reward Multiplier.
• Up to 50% off at 1800+ premium restaurants across India with complimentary EazyDiner Prime membership.
• Annual fee: Rs. 60,000 + applicable taxes.

• Earn 2 PAYBACK Points for spending every Rs. 100 except for spend on fuel, utilities, insurance, cash transactions & EMI conversion at Point of Sale.
• Additionally, get multiple PAYBACK Points across 50+ PAYBACK partners.
• Get Flipkart voucher worth Rs. 750 on making 3 transactions within 60 days of card membership.
• Get gift vouchers worth Rs. 7,000 on spending Rs. 2.5 Lakhs in a card membership year.
• Earn gift vouchers voucher worth Rs. 2,000 on spending Rs. 1.25 Lakhs in a card membership year. 
• Additionally, earn gift vouchers worth Rs. 5,000 on spending Rs. 2.5 Lakhs in a card membership year.
• Joining fee: Rs. 750 + applicable taxes.
• Annual fee: Rs. 1,500 + applicable taxes.