10 Reasons Why You Should Get an American Express Credit Card

Updated on: 22 Feb 2024 // 3 min read // Credit Cards
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American Express Credit Cards (also known as Amex Credit Cards) come with multiple offers and benefits designed to help you get more value from all your purchases. American express credit cards make your experience more rewarding by enrolling you in its Membership Rewards® points program.

American Express offers several types of credit cards with unique features and benefits so that you can find a card that suits your needs and lifestyle best.

  • Rewards Credit Cards earn you rewards every time you shop.
  • Travel Credit Cards have all the features that make your journey extra rewarding.
  • Premium Credit Cards give access to exclusive privileges and second-to-none services.

amex smart earn credit card

There are many reasons for applying for an American Express Credit Card. Here are just a few:

  • Financial flexibility: With Amex cards, boost your spending power through the ‘buy now and pay later’ facility.
  • Rewarding offers and benefits: American Express credit cards enable you to cherish premium benefits like curated dining experiences, travel offers, amazing retail offers, complimentary airport lounge access, and much more. You can also explore customised deals with Amex offers. Just sign in to your net banking account with a single click and get the deal you need.
  • 24x7 platinum assist: No matter what your query is, get 24x7 card-related assistance from wherever you are.
  • Contactless payment: Your Amex credit card offers the benefit of contactless payments. It is a secure and smart way to pay for all purchases less than Rs. 5,000. Just tap your card on the contactless machine at the point of sale. No need to enter a PIN.
  • Online services: View and manage your credit card account from anywhere in the world by using your Online Card Account or the American Express App.
  • Emergency card replacement: If your Amex card is lost, stolen or damaged, the Emergency Card Replacement Service usually replaces it within 2 business days, wherever you are in the world. While you are flying out of India, you easily contact American Express Travel Service Offices/ Network Locations or Platinum Corporate Card Services Helpline when you are in India. For any assistance related to your card, you may call the Platinum Corporate Card Services Helpline at 1800 419 1092 or 0124 2801092.
  • Zero lost card liability: If you lose your card, the Zero Lost Card liability feature of American Express protects you against any unauthorised or fraudulent transactions made with the card. Just report the fraud within 3 days, and your liability will be zero. American Express is enabled to process this easily as its authorisation/ processing/ settlement of the transaction doesn’t require third-party channels.
  • Online fraud protection guarantee: American Express’s early detection systems monitor potentially fraudulent activity. So, if you become a card fraud victim and take reasonable care, you will not be held responsible for any fraudulent charges. American Express follows different steps to secure your online accounts like Self-Selected User ID and Password, Email Confirmation of Password Recovery, Automatic Time-Outs, and much more.
  • Membership reward points: Get rewarded with one of the most powerful rewards programs. Amex cards earn you Membership Reward Points every time you spend. You can redeem accumulated points across a variety of options like travel rewards, shopping rewards, entertainment rewards, etc. with the American Express Membership Rewards® Catalogue. Accumulated points can also be converted to other loyalty programmes such as frequent flyer programmes and frequent guest programmes. You can earn reward points on cards like American Express Platinum Card, American Express Platinum Travel Credit Card, American Express Platinum Reserve Credit Card, American Express Membership Rewards Credit Card, American Express Gold Card, and American Express SmartEarn Credit Card.
  • Complimentary airport lounge access: Some Amex travel credit cards like American Express® Platinum Travel Credit Card and American Express® Platinum ReserveSM Credit Card give complimentary access to domestic and international airport lounges.
  • Hotel offers: Some Amex cards like American Express® Platinum Card, American Express® Platinum ReserveSM Credit Card, American Express® Gold Card and American Express® Platinum Travel Credit Card provide attractive hotel offers, such as discounted stays, stay vouchers, room upgrades, etc. 
  • Platinum concierge: American Express Platinum Reserve® Credit Card automatically entitles you to use Amex’s premium Concierge Service. A dedicated team is on call 24/7, ready to take care of all your lifestyle needs. You get assistance with:
    • Organising events on private occasions
    • Personal arrangements while at home/ abroad
    • Locating/ sourcing goods and services at home/ abroad
    • Golf bookings
    • Dining reservations
    • Movie and theatre ticket bookings
    • Gift and flower delivery
    • Reservations for 'By Invitation Only' events

With these benefits, American Express credit cards give many reasons to avail of them.