How to Pay your Amex Credit Card Bill?

American Express Bank provides different credit cards as per the varied individual requirements like travel, shopping, dining, entertainment, etc. Apart from these cards, American Express also provides “Charge Cards” that do not have any pre-spending limit. Below mentioned are the key highlights of some top Amex Credit Cards along with their salient features and annual fees.

 

  • American Express Membership Rewards Credit Card

 

Best Suited for Rewards & Shopping
Joining Fee Rs. 1,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 4,500 + Applicable Taxes (Waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.1,50,000)
Minimum Income Requirement Rs. 6 Lakh p.a.
Welcome Benefit 4,000 Membership Rewards Points on the payment of the joining fee and on spending Rs. 15,000 in the first 90 days of card membership
Best Feature 1 Membership Rewards Point for every Rs. 50 spent except for selected categories
Renewal Benefit 100% renewal fee waiver on spending Rs. 1.50 Lakh and above in the immediately preceding membership year
Milestone Benefit 1,000 Membership Rewards Points on spending Rs. 20,000 in a month*

 

Type of Fee or Charge Amount
Joining Fee Rs. 1,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 4,500 + Applicable Taxes (Waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.1.5 Lakh)
Finance Charges 3.5% p.m.
Cash Advance Fee 3.5% (Minimum of Rs. 250)

 

  • American Express Platinum Reserve Credit Card

 

Best Suited for Lifestyle & Travel
Joining Fee Rs. 5,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 10,000 + Applicable Taxes
Minimum Income Requirement Rs. 6 Lakh p.a.
Welcome Benefit 11,000 Membership Rewards Points on the payment of first year’s annual fee
Reward Benefit 1 Membership Rewards Point for every Rs. 50 spent via this credit card
Travel Benefit Complimentary domestic lounge access; Complimentary Priority Pass Membership
Renewal Benefit Taj stay voucher worth Rs. 10,000 on spending Rs. 5 Lakh annually

 

Type of Fee or Charge Amount
Joining Fee Rs. 5,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 10,000 + Applicable Taxes
Finance Charges 3.5% p.m.
Cash Advance Fee 3.5% (Minimum of Rs. 250)

 

  • American Express Platinum Travel Credit Card

 

Best Suited for Travel
Joining Fee Rs. 3,500 + Applicable Taxes
Annual/ Renewal Fee Rs. 5,000 + Applicable Taxes
Minimum Income Requirement Rs. 6 Lakh p.a.
Welcome Benefit 10,000 Membership Rewards Points redeemable for a Flipkart voucher or pay with points option
Key Travel Benefits
  • 8 complimentary domestic airport lounge access in a year;
  • Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions, and Vivanta Hotels*

 

Type of Fee or Charge Amount
Joining Fee Rs. 3,500 + Applicable Taxes
Annual/ Renewal Fee Rs. 5,000 + Applicable Taxes
Finance Charges 3.5% p.m.
Cash Advance Fee 3.5% (Minimum of Rs. 250)

 

  • American Express SmartEarn Credit Card

 

Best Suited for Rewards & Online Shopping
Joining Fee Rs. 495+ Applicable Taxes
Annual/ Renewal Fee Rs. 495 + Applicable Taxes (Waived off on spending Rs. 40,000 and above in the previous year of Card membership)
Minimum Income Requirement
  • Salaried: Rs. 4.5 lakh p.a.
  • Self-employed: Rs. 6 lakh p.a.
Welcome Benefit Rs. 500 cashback on spending Rs. 10,000 in the first 90 days
Best Feature 10X Membership Rewards Points on every Rs. 50 spent on Flipkart, Amazon, and Uber

 

Type of Fee or Charge Amount
Joining Fee Rs. 495 + Applicable Taxes
Annual/ Renewal Fee Rs. 495 + Applicable Taxes (Waived off on spending Rs 40,000 and above in the previous year of Cardmembership)
Finance Charges 3.5% p.m.
Cash Advance Fee 3.5% (Minimum of Rs. 250)

 

Other American Express Cards

 

Also, American Express offers some credit cards that do not have any pre-set spending limit. All purchases are approved only at the issuer’s discretion. Cardholders are required to pay the credit card bill by the due date otherwise a delinquency fee will be charged.

 

  • American Express Platinum Card
Best Suited For Travel and Shopping
Annual Fee Rs. 60,000 plus applicable taxes
Minimum Income Requirement Rs. 25 Lakh p.a. for Salaried Applicants
Rs. 15 Lakh p.a. for Self-employed Applicants
Welcome Benefit Stay vouchers worth Rs. 45,000 from Taj, SeleQtions and Vivanta Hotels
Best Feature Extraordinary travel benefits; Access to multiple lounge access programs

 

Fee/Charge Amount/Rate
Annual Fee Rs. 60,000 plus applicable taxes
Add-on Card Fee Rs. 10,000 plus applicable taxes
Cash Advance Fee 3.5% of the cash advance amount (min. Rs. 350)

 

  • American Express Gold Card

 

Best Suited for Rewards & Travel
Joining Fee Rs. 1,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 4,500 + Applicable Taxes
Minimum Income Requirement Rs. 6 Lakh p.a.
Welcome Benefit 4,000 bonus Membership Rewards Points on spending Rs. 10,000 within 90 days of card membership
Reward Benefit 5X Membership Rewards Points on every purchase through Reward Multiplier
Travel Benefit Complimentary room upgrade and hotel credit on stays at top hotels, including Hilton Hotels, Intercontinental and Hyatt Hotels
Milestone Benefit 1,000 bonus points on 6 transactions of Rs. 1,000 each every calendar month

 

Type of Fee or Charge Amount
Joining Fee Rs. 1,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 4,500 + Applicable Taxes
Cash Advance Fee 3.5% (Minimum of Rs. 250)

 

Cardholders are provided with many convenient ways to make Credit Card Bill Payments. It can be paid online directly from the bank account from any place and at any time. The time taken for various methods is as mentioned below:

 

Category Time Taken
NEFT By the next day
UPI By the next day (if initiated before 5 pm)
BillDesk 1-2 business days
Direct Debit / NACH Debited before due date
Courier Up to 4 days
Drop Box Up to 2 days

 

Let us now understand the different ways to make an American Express Credit Card Payment:

 

  1. NEFT
  2. UPI
  3. Online Payment
  4. Autopay/ NACH
  5. Courier
  6. Drop boxes

 

Key Highlights:

 

  • Online

 

NEFT MobiKwik UPI
Online Payment Auto Pay/ NACH Direct Debit

 

  • Offline

 

Dropbox Call Courier