Whether you want to make a big purchase or just make every-day transactions, a credit card is your loyal companion and comes handy. American Express offers various credit cards to choose from to meet all types of requirements. The best credit card for you depends on your financial situation and how you want to use it. If you are applying for the card for the first time, start by assassing your monthly income and spending habits and thinking about how you will repay the balance.
Here’s everything you need to know about how to apply for Amex Card.
How to Apply for American Express Credit Card Online
You can apply for American Express Credit Card or Charge Card online in just 10 minutes by following the steps given below:
Visit the American Express Credit Card or Charge Card page.
Check and compare the credit cards on offer and then select the most suitable one as per your requirements.
Click on the ‘Apply now’ button.
In a separate window, the application form will open where you will have to provide your personal details such as your name, date of birth, income, PAN number and address.
After mentioning the required details, click the ‘Save’ button and continue to the next page.
On this page, you will be asked for further financial information, including your bank details.
Fill in the required information, and then save and review it before you apply.
Once you submit the information, you will get confirmation notification for receiving your application.
Then you will be asked for any necessary documents to prove your legal status and identity.
After completing the American Express credit card application process, you will hear from American Express within 15 days. If not, you will be notified about the decision within 90 days.
How to Apply for a Credit Card - Basics You Need to Know
You can opt for online American Express credit card apply in just 10 minutes through the American Express Credit Card or Charge Card page.
If your application is successful, the credit card executive will contact you within 15 days.
If the application is not successful, you will be notified about the same within 90 days.
Double check your application and eligibility to speed up the process and make sure that you have all the necessary documents ready.
How to Get an Amex Credit Card for the First Time
If you are applying for an Amex Credit Card for the first time you can use a credit card account to start building a good credit history. This will help increase your credit score, showing the lender that you are a responsible and trusted borrower. The process to apply for American Express credit card for a first-time applicant is the same as if you have had one before. Follow the steps given in the above section.
What Do I Need to Apply for an American Express Credit Card?
Personal information: This includes basic information about you such as your name, email address, date of birth and nationality.
Contact details: This section includes your contact number and current address details. If you have lived at your current address for less than three years, you will also need to mention your previous address details.
Financial information: This includes your annual personal income as well as any other household income, your employment status, employer’s contact details, and how long you have been with your bank or building society.
Credit Card Requirements and How to Get Approved for a Credit Card
Before you apply for a card at Amex, check the basic eligibility criteria and requirements for American Express Credit Cards as mentioned below:
Nationality: You must qualify as an Indian resident with a permanent residential address in India.
Credit score: You should have a good credit score without any history of bad credit, such as any default on earlier loans or unpaid outstanding credit card balances. Credit card providers check your creditworthiness before approving your credit card application. For that purpose, they will look at your credit score to assess how likely you are to repay your credit card dues on time. If you have a good credit history, you will also enjoy better interest rates and a higher credit limit.
Bank account: You must have an Indian or multinational bank savings or current account in India.
Bankruptcy: You must not have filed for bankruptcy in the past 7 years.
FAQs
American Express offers many credit cards to meet varied customer needs. The best American Express credit card for you depends on your financial situation and how you want to use it. You can start by assassing your monthly income and spending habits and thinking about how you will repay the balance.
The minimum salary required for an Amex credit card varies from one card to another. However, to apply for an American Express Credit Card, you must have a minimum annual income of Rs. 4.5 Lakhs. The minimum annual salary requirement can go up to Rs. 6 Lakhs depending on the credit card you are applying for. Therefore, it is advised to contact the customer care team check the minimum income requirement before you apply for a card to avoid rejection.
To get an American Express credit card you must have a good credit score of 700 or above, with no history of payment defaults.
The annual fees for American Express credit card depends on the card variant youwish to apply for.
Along with a duly filled and signed application form, you will be required to submit the following documents for American Express Credit Cards:
Identity proof: PAN Card, Aadhaar Card, Passport, Voter’s ID, Driver’s License, Job Card issued by NREGA, Letter issued by the UIDAI, or any other government-approved photo ID proof.
Address proof: Aadhaar Card, Passport, Driver’s License, Utility Bills not older than 3 months, Ration Card, Property Registration Document, Bank Account Statement, Job Card issued by NREGA, or any other government-approved address proof.
Income proof: Last 1-2 salary slips (not older than 3 months), latest Form 16, last 3 months’ bank statement.
You can contact American Express credit card customer care by dialling 1800 419 2122.
Updated On Jul 2, 2026
Written By
Written By Reshma RawatAssistant Content ManagerCredit Cards, Credit Score, Personal Loan, Home Loan, etc.
Reshma Rawat is a passionate writer with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra and writes blogs & webpages on financial products (loans, credit cards, insurance, government financial policies, mutual funds, etc.).
