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American Express Credit Card Payment

American Express Credit Cards are the most popular for various reasons. You can apply for American Express Card online and get an approval immediately. American credit cards are very safe.

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The bank’s security system can identify anything unusual in the purchases and ensure that it is not fraudulent by getting authentication of such purchases with the customer. With a wide range of credit cards in line with the lifestyle and financial status of the customers, there is an option to choose a card that suits your pocket. Besides all this, the American Express Card bill payment is the least cumbersome. You can easily make American Express Credit Card bill payments online. There are simple ways of making credit card bill payments for both customers as well as non-customers.

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American Express Credit Card Bill Payment For Account Holders/Non-Account holders

American Express Credit Card Bill Payment is very convenient with various online payment options to suit the customers’ comfort level. Before understanding the bill payment options, you need to be aware of some of the key points.

  • If the payment is made through a bank account, then it has to be the primary cardholder’s account. Payments cannot be effected from the add-on cardholder’s account.
  • If the primary cardholder of the American Express Credit  Card is a Non-Resident Indian, then the payment has to be effected from the NRE/NRO account of the primary cardholder.
  • The American Express bank does not hold any obligation to either process or guarantee any credit card payment made through a payment aggregator not listed on the official website or mobile app of the bank.

Additional Info: Check Credit Card Bill Payment in detail.

Online Payment Options for Non-Account holders

1. Payment vide NEFT

Payments made through NEFT will be credited to the American Express Credit Card account within 24  hours. Registration of the credit card as Payee/Beneficiary by providing a few details as mentioned below is the first step.

  • Name of the Payee: American Express
  • Account Number of Payee: The 15 digit card number preceded by 37
  • Name of the Bank: Standard Chartered Bank
  • Account Type of Payee: Current Account
  • IFSC Code: SCBL0036020
  • Address of the bank: Standard Chartered Bank, Narain Manzil. 23 Barakhamba Road, New Delhi 110001

2. Payment through UPI

This is a much simpler method to make the payment. The only requirement is a United Payments Interface enabled mobile app. You can log in to BHIM or any UPI enabled mobile app and make the payment.

  • You will need the UPI VPA, and for American Express, the UPI VPA is AEBC37XXXXXXXXXXXXX@SC. You will have to enter the 15 digit American Express Credit  No preceded by 37.
  • If you need the payment to be credited the very next day then, you will have to initiate the transaction within 5.00 p.m. on a working day. Payment will not be processed on Sundays and bank holidays.
  • Ensure the correctness of the card number entered to avoid failure of the transaction.

3. Through  Netbanking

You can also make payments directly from your bank account through a net banking facility available for your account. Over fifty participating banks have enabled this facility for their customers.

You can also make the American Express Credit Card bill payment through various electronic modes like UPI/BHIM-UPI, UPI QR Code, BHIM-UPI QR Code or Rupay Debit Card.

Offline Payment Options

You can opt for standing instructions to debit your bank account for either the minimum amount or the total outstanding amount for the American Express Credit Card Bill payment by filling up the NACH form. You should ensure that there is sufficient balance to honour the standing instructions.

  • You can also get the standing instructions recorded for the debit of either the minimum amount or the total outstanding amount by filling an online enrolment form. The process of enrolment will be complete within five days.
  • You can also fill in a relevant offline enrolment form depending on the credit card type, either a charge card or credit card for direct debit from your bank account. This enrollment will take 3 to 4 weeks.
  • Corporate Card Members can also opt for direct debit to their bank account to the extent of the credit card due amount by filling up the NACH form, which can be downloaded. 
  • NACH instructions can be enabled only if the credit card member’s bank is participating in eNACH.
  • A cheque or draft favouring AEBC 37 followed by the 15 digit card number for either the minimum due or the total amount due can be sent to American Express Banking Corp. Cyber City, Tower 'C', DLF Building No. 8, Sector 25, DLF City Phase II, Gurgaon-122002, Haryana. The cheque/draft should reach the bank four days before the due date to ensure the credit is on the appropriate date.
  • A cheque or draft can also be dropped in the nearest drop-box. For timely credit, the cheque or draft should be dropped much before the due date, at least four days in advance.
  • Cash payment of the credit card due amount can be made at the nearest American Express Bank branch.

Additional Info: Latest update by RBI on Credit Card Bill Payment Due Date.

For  Account Holders

American Express Credit Cardmembers who have an account with American Express Bank can either opt  for direct debit of their account for the minimum amount due or the total amount due on the due date by filling up a standing instructions form or pay through internet banking the

If you are making payment through internet banking, you will have to register the card with the following steps.

  • Log in to net banking with the user ID and password.
  • Choose the credit card section.
  • Register New Card option will appear. Click on the option.
  • Enter the beneficiary name. It should be as it appears on the credit card.
  • For account number, enter the 15 digit card number preceded by 37
  • Enter the IFSC Code
  • Check the name as well as the address of the bank and hit the submit button.
  • This completes the credit card registration.

Now to make the payment of the credit card bill, log in to net banking with the net banking user ID and Password.

  • Proceed to the credit card section.
  • Choose the ‘Pay Bill’ option.
  • Choose the mode of payment.
  • From the beneficiary, the list selects the credit card.
  • Enter the minimum amount due or the total amount due and click on the submit button.
  • Your American Express Bank Account will be debited immediately.

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American Express Credit Card Payment FAQS

✅How to pay the American Express Credit Card bill?

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There are various ways of paying the American Express Credit Card bill.  The non-account holders can make the payment online through the following options.

  • NEFT
  • UPI
  • BHIM-UPI
  • UPI QR CODE
  • BHIM  QR CODE
  • Rupay Debit Card

You can also make offline payments as follows:

  • Opt for recording standing instructions to debit the bank account for either minimum amount due or total amount due by submitted NACH form. This can be facilitated only if the customer’s bank is participating in eNACH.
  • You can fill up an online enrollment form to record the standing instructions to debit the bank account to the extent of the minimum amount due or the total amount due on the due date. The enrollment will take about five days.
  • Offline enrolment forms also can be submitted. But the enrollment will take a longer time. It could take 3 to 4 weeks.
  • The payment can also be made by sending a cheque or draft favouring AEBC 37 followed by a 15 digit card number and sent to American Express Banking Corp. Cyber City, Tower 'C', DLF Building No 8, Sector 25, DLF City Phase II, Gurgaon-122002, Haryana. The amount of the cheque/draft can be the minimum amount due or the total amount due. The cheque should be sent much in advance so that it reaches the bank within four days before the due date to enable timely credit.
  • The cheque/draft can also be dropped at the nearest drop-box. 

Account-holders of American Express Bank can make the payment by submitting a written request to debit the account for the minimum amount or the total amount due on the due date every month until the card is live.

The other method would be to make the payment through net banking by registering the credit card under the beneficiary list.  After registering the credit card, all you have to do will be is to log in the net banking using the net banking credentials and make the payment by choosing the ‘pay bill’ option under the credit card section.

✅How can I check the American Express Bank Credit Card bill?

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For all the options like paying the credit card bill, checking the credit limit, available balance, credit card statement, and downloading the credit card statement, you will have to first link the credit card to an online account soon after issuance. For this, you need to have the credit card details and the date of birth ready.

If you are going to link the card to an already existing account, you will have to log in to the account using the user ID and Password. The name in the existing account and the credit card should be the same. 

If you are an add-on member, then the date of birth of the primary cardholder will be required, along with your details. The card information will, however, be restricted only to you through the online account.

Once the card is linked to the primary cardholder’s account, you will have to log in to the online account and choose the necessary option, i.e., ‘view statement’, to check your credit card bill.  

✅How can I pay the American  Express Credit Card bill using another credit card?

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You will not be able to pay the American Express Credit Card bill directly using another credit card. 

You will have to opt for a balance transfer of the American Express Credit Card bill outstanding to another credit card with a lower interest rate. However, you should note that there will be balance transfer charges and you should be aware of the charges and opt for the balance transfer only if it is lucrative.

✅What is the due date for the American Express Credit Card payment?

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The payment due date for the American Express Credit Card payment varies between 18 days to  23 days from the billing date, depending on the nature of payment of the earlier statement dues. If the transaction date is 2nd May and the billing date is1st June, then the payment due date will be 22nd June. So the interest-free days will be from 2nd May to 22nd June i.e., 51 days if only the earlier credit card bill is paid in full instead of the minimum amount due.

✅How to convert credit card payment to EMI in American Express?

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Every transaction above Rs. 5000/- can be converted to easy EMI with a low interest rate and tenure ranging between 3 to 24 months. Now you can make payments of insurance premiums, big-ticket purchases, school fees etc., in easy EMIs using American Express Card.

  • For online transactions, you can opt for the EMI option before checking out.
  • For transactions made at Stores, you can opt for the EMI option post the purchase.  
  • You can also opt for EMI by sending an SMS to 5616166. The message should be EMINOW <date of transaction>, <amount>, Merchant name, EMITenure <3 to 24 months>.
  • You can also fill an online form with details like card number, registered date of birth of the primary cardholder, date of transaction, and amount of transaction. Select the EMI tenure from the drop-down, enter the verification code, agree to the terms and conditions by ticking the box on the left-hand corner and click on the submit button. 
  • You can also send the request by email to emi@aexp.com.

✅What are the penalty charges if I pay after the due date?

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If the minimum amount due is not paid within the due date, a late payment penalty of 30% of the minimum amount is due with a minimum of Rs. 500/- and a maximum of Rs. 1000/- plus applicable tax will be collected.

✅What will happen if I pay only the minimum amount due on the American Express Credit Card?

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If only the minimum amount due is paid, then interest will be charged for the balance amount at 3.5% to 3.99% per month, depending on the card. This interest will be included in the credit card statement of the subsequent month. Also, interest will be charged on any further transactions made. You will not only be losing on the interest-free period, which is the biggest perk offered for a credit card but may lose out on many other benefits and rewards. If you intend to use the credit card judiciously, you should develop the habit of paying the bill amount fully instead of the minimum amount due