Credit Card Types

 

Discover different credit card types here and find out more about American Express’ Credit Card offering.

 

Different types of credit cards

 

Explore what these different card types have to offer to find one that best suits your lifestyle and financial situation.

 

Rewards credit cards

 

Rewards credit cards help you earn rewards as you spend – like points, vouchers and airmiles. Earn bonuses from your everyday spending, as well as benefiting from certain card security features.. 

 

Shopping credit cards

 

A shopping credit card offers an accelerated rewards rate when you spend at certain stores – both online and instore. And you could also benefit from great credit card perks such as insurance. 

 

Travel rewards credit cards

 

Travel credit cards focus on travel rewards, allowing you to earn loyalty points for your spending that can be redeemed on flights, hotels and other travel essentials. Keep an eye out for cards that also offer trip-enhancing benefits such as airport lounge access and priority boarding.

 

Premium credit cards

 

From exclusive event invitations and top-tier memberships to complimentary travel upgrades and benefits, a premium credit card offers an elite service with various lifestyle treats. These cards tend to have a stricter eligibility criteria but with rewarding benefits.

 

Secured credit cards

 

If you don’t have a good credit score, you may not qualify for a standard credit card. Some providers offer secured credit cards that require you to make a substantial security deposit, typicall equivalent to the credit limit on the card. You can then use it like a standard credit card, although not all secured cards offer rewards.

Types of American Express Credit Cards

 

Find out which types of Credit Cards American Express offers in India and explore which benefits would best suit you. 

American Express Premium Credit Cards

 

For exclusive privileges and second-to-none services, a Premium Credit Card could complement and enhance your lifestyle. 

 

  • Experience a personalized service with our ‘Do Anything' Platinum Concierge. Here to assist you 24/7, whether it’s organizing events, making reservations or arranging deliveries.

  • Get exclusive savings and travel benefits through our Airline Partner Programme

  • Make the most of unique health and wellness benefits with curated offers and discounts at the likes of Taj, SeleQtions and Vivanta Hotels; Preferred Hotels & Resorts

  • Enjoy movie and online shopping vouchers2 from BookMyShow, Flipkart and many other brands.

American Express Travel Credit Cards

 

American Express Travel Credit Cards have all the features to make your journey extra rewarding. 

 

  • Spend* Rs.1.90 lacs in a cardmembership year and get 15,000  Membership Reward points redeemable for Flipkart3 voucher or Pay with Points option in Amex Travel Online4 worth Rs. 4,500.

  • Spend* Rs. 4 lacs in a cardmembership year and additionally get 25,000 Membership Rewards points redeemable for Flipkart3 voucher or Pay with Points option in Amex Travel Online4 worth Rs. 7,500. Also get a voucher worth Rs.10,000 (non-transferable) from the Taj Group

  • 8 complimentary visits per year (limited to two complimentary visit per quarter) to airport lounges across India

American Express Reward Cards

 

American Express Reward Cards help you earn rewards every time you shop. And some have exclusive welcome bonuses to get you started. 

 

  • Earn Membership Rewards points on every purchase you make with your American Express Rewards Card

  • To earn points faster, use your American Express SmartEarn Credit Card to Earn 10X Membership Rewards Points on your spends at Flipkart and Uber, and 5X Membership Rewards Points on purchases made at Amazon, Swiggy, BookMyShow and more 

  • Redeem these points with 500+ redemption options, including air miles, cashback, and luxury shopping items

  • You can easily track your points online and redeem them instantly

  • American Express Rewards Cards offer Fraud Security and Purchase Protection  and are accepted globally

 

 

Footnotes:

 

1.  Terms & Conditions Benefits associated with American Express Cards are subject to payment of annual/renewal fee and maybe withdrawn

 

2. Monthly Voucher Programme Terms & Conditions

 

3.  For Flipkart voucher Terms and Conditions, Click here

 

4. For Travel booking Terms and Conditions, Click here

 

5. Effective September 1, 2023, access to domestic “The Centurion® American Express Lounges” in Delhi and Mumbai on American Express Platinum Reserve Credit Card is being discontinued.

 

6.  For example, for a spend of Rs. 50 on an eligible merchant the Cardmember will get 10 Membership Rewards Points (if merchant is under 10X category) and 5 Membership Rewards Points (if merchant is under 5X category). Under 10X category, 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Uber. Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please visit amex.co/seccrewards. 10X category means Cardmember earns 9 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 45 additional Membership Rewards Points. 5X category means Cardmember earns 4 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 20 additional Membership Rewards Points.

 

* Eligible spends do not include cash advances, express cash transaction, draft made from the account, balance transfer, fees and is net of any returns.