American Express Credit Card Payment

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.

Additional Info: Check Best Credit Cards for Womens & apply.