Have a movie date?
Got a cab to catch?
Dining reels to make?
Have shopping to do?
We have got you covered.
Exciting benefits worth up to ₹7,000* with your new American Express SmartEarnTM
Credit Card!
*Calculate how your spending on shopping, dining, travel and more can add up to rewards.
Welcome gift
Get a head start with ₹500 cashback as a welcome gift on spending ₹10,000 on eligible purchases1 in the first 90 days of Cardmembership.
Big perks
Annual fee as low as ₹495 + taxes.
Get annual fee waiver on spending ₹40,000 or more in previous Cardmembership year.
Earn vouchers worth up to ₹1,5003 on spending ₹2,40,000 in Cardmembership year.
Great EMI deals
Be the savviest shopper in town as you discover special EMI offers on home appliances, electronics, travel and more!
Offers for you
Enjoy2 special cashbacks, discounts and bonus points when you travel, shop, dine and more with your Card.
Fancy a 2X points boost?
Shop at some of the coolest brands on Reward Multiplier and earn 2X bonus reward points when you pay with your Card.
Invite your friends
Give a Supplementary Card to your loved ones at no additional fee4 and enjoy the benefits of your membership together.
1.Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends. Welcome Gift is available only in the first year on payment of the annual fee.
2. Limited period offer. Terms and conditions apply
3. Earn vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a Cardmembership year. See detailed terms and conditions here
4. See terms and conditions here
10X Membership Rewards points partners:
Go big with 10X1 Rewards
Earn 10X Membership Rewards® points on your everyday must-haves like groceries, online shopping, cabs, movies, and more.
Get 10X points on Zomato and EaseMyTrip (capped at 500 points per month per Card Account).
Also, earn 10X points on Flipkart, Myntra, BlinkIt, Uber, Nykaa, Ajio, PVR, BookMyShow (capped at 500 points per month per Card Account).
5X Membership Rewards points partners:
5X1 the Rewards, 5X the fun
Shop online or pay your bills, and watch those points stack up!
Get up to 250 points per month per Card Account for both the merchants combined.
More ways to earn!
- For every ₹50 spent, earn 1 Membership Rewards® point2
- Get more out of your everyday purchases, with 10X and 5X points on your spends at a host of merchants
- Refer a friend and earn 5,000 points on each successful referral3
- Get 2X points on shopping with Reward Multiplier
Benefits worth up to ₹1,500. Here’s how:
- Earn vouchers worth ₹500 on reaching spend milestones of ₹120,000, ₹180,000, ₹240,000 respectively in a Cardmembership year. Click here to know more.
Shop, redeem, and pay your way to more fun as you explore exciting redemptions options with your points.
Redeem your points instantly on a wide range of vouchers from your favourite brands.
You can also pay for your Card charges using Membership Rewards points.
1. See detailed terms and conditions for 10X and 5X rewards here.
2. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards. Effective February 1, 2020, you would not earn Membership Rewards® points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you would continue to earn Membership Rewards® points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.
3. See more details here.
Enjoy below exciting travel offers when you book with EaseMyTrip by
using promo code - EMTRW10X
- Up to ₹2,0004 off on domestic flights
- Up to ₹5,0004 off on international flights
- Up to ₹7004 off on hotels on a minimum booking of ₹4,5004
- Up to ₹1204 off on bus bookings on a minimum booking of ₹1,0004
Offer valid till 31 July 2025.
Enjoy complimentary1 Zomato Gold Membership.
- Auto-renewal of 3 more months of Zomato Gold Membership on making 52 or more transactions within 3 calendar months2 from the date of voucher issuance.
- To avail the offer, simply log in to the Zomato app and click on the profile icon, visit Zomato Gold plan and enter the unique voucher code sent to your registered email ID.
Enhanced benefits3 as a Gold member
- Select American Express SmartEarn Credit Card are eligible for the offer.
- To avail additional 3 months complimentary Zomato Gold membership, Cardmember needs to make minimum 5 or more transaction on Zomato using eligible American Express SmartEarn Credit Card within 3 calendar months period (from the date of voucher issuance). The 3 calendar months period for achieving the target transactions will begin from the day American Express shares the initial voucher code (via Email) to the Cardmembers. For example, if a Cardmember receives the initial voucher code from American Express on 1st September 2024, the calculation will be for 3 calendar months i.e., from 1st September 2024 till 30th November 2024. Detailed terms and conditions can be found here
- These benefits are being extended by Zomato. Zomato Terms & Conditions apply. Detailed terms and conditions can be found here.
- *Please click here for detailed Terms and Conditions
Make big purchases a breeze and enjoy financial ease
It's the smart and savvy way to manage your budget – shop at top merchants like Amazon, Flipkart, and many more with convenient Easy Monthly Installments!
Explore latest EMI offers
Missed choosing EMI option at the store location? Do it now:
- SMS EMI to 5616166
- Call our 24X7 customer service number
- Chat with us on Amex Mobile app
Select flexible EMI tenures ranging from 3 to 24 months at an interest rate of 1.17% per month.
- For online merchants: Select EMI option on the SafeKey OTP screen while checking out
- At stores: Ask for EMI option at the point of sale before making the purchase
Let's get you started
Activate your Card and select a PIN via any of the following ways:
- Download the American Express® App.
- Enter Card Details. Create User ID and Password.
- Set a PIN of your choice and activate your Card.
- If you already have the Amex App, log in and go to ‘Account’ tab and select ‘Activate and Add Card to your Account’ option.
Manage your Card account on-the-go, and get more done with a few taps on the American Express App
- Enjoy quick & secure access with just your fingerprint.
- Set up real-time purchase alerts, spend tracking alerts, payment due date reminders, and weekly balance alert.
- Access last 6 months’ statements in a simple PDF format.
- View and redeem the reward points you have earned.
- Reset your Online Account User ID or Password.
- Block your Card temporarily if you have misplaced it*.
- Chat with us on the App for quick support.
- View, change, or unlock your PIN. Know more.
Click below to download or give us a missed call at 7043337788 to receive a download link on your mobile phone.
- Register for online services at americanexpress.com.in/activate.
- Set a PIN of your choice and activate your Card.
Register and enjoy the ease of managing your account anytime, anywhere.
- View your Account balance and pay your bill online.
- Set up SMS and email alerts to help keep up to date.
- Register for special offers and updates.
- View, change or unlock your PIN. Know more.
- Track your Membership Rewards® points balance
- Call the helpline number.
- Follow the IVR to set a PIN of your choice and activate your Card.
Register for online services at americanexpress.co.in or via the Amex App.
Endless possibilities await you
Enjoy special cashbacks, discounts, and bonus points when you travel, shop, dine or do a lot more with your American Express® Credit Card.
Terms and conditions apply
Your Card is accepted online, on your street and all over the world. Use your Card across categories such as:
- Shopping
- Dining
- Travel
- Online
- Education
- Utilities
- Fuel
- Entertainment
Saving your new American Express Card details at your favourite online retailers is the most convenient way to quickly make purchases online. Check out faster whenever you shop online at places like Amazon, Flipkart, Myntra, Uber, Swiggy, Paytm, Big Basket, BookMyShow and many more
Take control
Once you register for Online Account Services, you can easily access your Card Statement. To ensure your payment due date is set as per your convenience, please contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment, please make the payment before requesting any change.
You can pay your Card bill through any of the following ways:
- Online Funds Transfer: NEFT
- Online Payment : Debit card powered by Rupay; UPI/BHIM-UPI; UPI QR Code/BHIM-UPI QR Code
- Recurring Direct Debit/NACH
- Drop Boxes
- Courier
Click here to view and download last 6 months statements to stay on top of all your purchases.
Stay on top of your Account with our wide range of alerts – from balance updates, real-time transaction alerts to payment due date reminders.
You can do this by logging into your account and setting up the alerts of your choice.
You can also set up push notifications through the Amex App.
If your Card is lost, stolen, damaged or not received you can order a replacement Card for yourself or your Supplementary Cardmembers on your Account by calling up Customer Care.
- In-store/point of sale (Chip)
- Online Websites and Mobile Apps
- Contactless - Tap and Pay
- ATM*
You can manage the controls in 3 easy steps:
1. Log in to your Online Card Account or Amex App
2. Go to ‘Account Management’ (Online Account) or ‘Account’ (App)
3. Go to ‘Transaction Security Settings’ to manage and modify your transactions security settings
Once saved, the transaction settings will be effective immediately on your Card.
If your Card gets renewed or replaced in the future, onlyin-store/point of sale (Chip), and ATM transactions within India will beenabled by default. You will be required to enable online, international, andcontactless transactions on your Card by following the steps above.
Refer to the FAQ page should you have any queries.
*You need to be enrolled in the Express Cash facility to withdraw cash from ATMs. International ATMs transaction may be enabled basisyour international spend behavior.
Please be aware that, Cash withdrawal services on your American Express Card have been temporarily paused in India, effective 31 January 2022. However,
you may still avail the service in international locations.
We’ve got your back
You can call or chat with us 24/7 for any Card related assistance that you may need like emergency Card replacement, dispute resolution, insurances and more.
Stay protected from any fraud arising out of any unauthorized use of the Credit Card. Report within 3 working days and your liability to American Express shall be nil*.If the fraud is reported beyond 3 working days, then the maximum liability of the customer will be limited to ₹1,000. For further details, please refer MITC
Open a billing dispute for charges you do not recognize and incorrect charges.
0% Convenience fee on fuel purchase at HPCL1
- 0% for HPCL transaction less than INR 5,000,1% fee per transaction is applicable for all HPCL transactions on and above INR 5,000, 1% of the transaction value subject to a minimum of INR 10 + applicable taxes, will be charged as convenience fee at fuel stations operated by the Public Sector Oil Marketing Companies BPCL and IOCL, 2.5% of the transaction value subject to a minimum of INR 10 + applicable taxes, will be charged as convenience fee at fuel stations of all other Oil Marketing Companies (except HPCL, BPCL and IOCL).