Best American Express Credit Card India 2022
List of Best AMEX Credit Cards India Categoty wise
- American Express Gold Credit Card
- American Express Platinum Travel Credit Card
- American Express Membership Rewards Credit Card
- American Express SmartEarn Credit Card
AMEX Credit Card | Category | Annual Fee (INR) | Best Features |
---|---|---|---|
AMEX Gold Credit Card | Travel/ Lifestyle | 4500 | 1,000 Bonus Membership Rewards, 20% discount on dining bill, 10% off on domestic and international flight bookings |
AMEX Platinum Travel Credit Card | Travel/ Shopping | 5000 | 10,000 Rewards points on Flipkart voucher, 8 complimentary Airport Lounge, Travel benefits on ATO |
AMEX Membership Rewards Credit Card | Reward/ Dining | 4500 | 4,000 Bonus Membership Rewards, 0% every time you dining at select restaurants, 18 and 24 Karat Gold Collection |
AMEX SmartEarn Credit Card | Reward/ Shopping | 495 | 10X Membership Rewards, Rs. 500 cashback as a Welcome Gift, 5X rewards points for shopping on Paytm Wallet, Jabong, Myntra, Grofers, and Big Bazaar |
4. American Express SmartEarn Credit Card

AMEX SmartEarn Credit Card
Joining and Annual fees- ₹495
Rewards
- 10X Membership Rewards Points for next purchase at Flipkart, Amazon
- 5X rewards points for shopping on Paytm Wallet, Jabong, Myntra, Grofers, and Big Bazaar
- Spend 50 rupees on Flipkart and Amazon, earn 10 Membership Rewards points.
- Spend Rs.50 at Paytm Wallet, Myntra, Jabong, Big Bazaar, or Grofers, earn 5 Membership Rewards points
Welcome gift
- Rs. 500 cashback as a Welcome Gift on eligible spends Rs. 10,000 in the first 90 days
Fuel Surcharge Waiver
- 0% Convenience fee on fueling up at HPCL for transaction less than Rs. 5000
- 1% convenience fee on fuel purchases for transaction of Rs. 5000 or above
Milestone Privileges
- Earn Amazon vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a Card membership year
- You should be age over 18
- Salaried or self-employed both are eligible
- Salaried Annual Income of INR 4.5 lakhs and above
- Self Employed with a Personal Annual Income of INR 6 lakhs and above
- Have to Indian or multinational bank’s savings or current account in India
- Good credit history
- Have a current/permanent residential address in India
- Joining and Fee Renewal fee Rs.495
- Renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Card membership
3. American Express Membership Rewards Credit Card

AMEX Membership Rewards Credit Card
Joining fees ₹1000 and Annual fees- ₹4500
Rewards
- 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above (each calendar month)
- 5,000 Membership Rewards Points upon First Year Card Renewal
- 1 Rewards Point for every Rs. 50 spent
Welcome gift
- 4,000 Bonus Membership Rewards Points is available only in the 1st year on payment of the annual fee and on spending INR 2,000 within 60 days of Card membership
Fuel Surcharge Waiver
- 0% Convenience fee on fueling up at HPCL
Dining benefits
- 20% every time you dine at select restaurants
Milestone Privileges
- 18 and 24 Karat Gold Collection
- 24,000 MR points / 24 Karat Gold Collection
- 18,000 MR points / 18 Karat Gold Collection
- You should be age over 18
- Salaried or self-employed both are eligible
- Minimum Income Rs. 6 Lakhs or above, per annum
- Have to Indian or multinational bank’s savings or current account in India
- Good credit history
- Have a current/permanent residential address in India
- Joining Fee Rs. 1000
- Renewal Fee Rs. 4,999 (from second year onwards)
- Annual Membership Renewal fee 100% waived off if total spends in a year Rs.1,50,000 and above
- 50% annual membership renewal fee will be waived off if total spendsin a year Rs.90,000 to Rs.1,49,999.
2. American Express Platinum Travel Credit Card

AMEX Platinum Travel Credit Card
Joining fees ₹3500 & Annual fees ₹5000
Reward points
- 25,000 Membership Rewards points redeemable for Flipkart voucher on spending Rs. 4 Lacs in a year
- 5,000 Membership Rewards points redeemable for Flipkart voucher on spending Rs. 1.90 Lacs in a year
- 1 Membership Rewards Point for every Rs. 50 spent
Fuel Surcharge Waiver
- 0% Convenience fee on fueling up at HPCL
Welcome Gift
- Welcome Gift of 10,000 Rewards points on Flipkart voucher or Pay with Points option in Amex Travel Online
Lounge Access
- 8 complimentary Airport Lounge visits per year in India
Travel benefits
- Travel benefits on ATO worth Rs. 7,500 Spend Rs. 4 Lacs in a Card membership year
- Travel benefits on ATO worth Rs. 4,500 Spend Rs. 1.90 Lacs in a Card membership year
Cashback
- Up to 10% cashback on OnePlus devices
Gift Voucher
- Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels
- You should be age over 18 years
- Salaried or self-employed both are eligible
- Salaried & Self Employed Annual Income INR Rs. 6 Lacs or above
- Have to Indian or multinational bank’s savings or current account in India
- Good credit history
- Have a current/permanent residential address in India
- Joining Fee Rs. 3500
- Renewal Fee Rs. 5000
1. American Express Gold Credit Card

AMEX Gold Credit Card
Joining fees ₹1000 & Annual fees ₹4500
Rewards
- 1,000 Bonus Membership Rewards Points for simply using your Card 6 times on transactions of Rs. 1,000 and above (each calendar month)
- 5X Membership Reward Points on all purchases through the Reward Multiplier portal
- Earn 1 Membership Rewards point on all spend, including fuel and utility
Welcome gift
- Earn 75,000 Membership Rewards Points spend $4,000 on Card activation in your first 6 months
Earn Cashback
- ₹500 cashback every month on your salon visits across 35+ Lakme Salons
Fuel Surcharge Waiver
- 0% Convenience fee on fueling up at HPCL
Dining benefits
- Up to 20% discount on dining bills at many other select restaurants
Milestone Privileges
- 10% off on domestic and international flight bookings with Vistar
- Up to 25% off on orders from The Oberoi Gurgaon, The Leela, The Lodhi, and more
- You should be age over 18
- Salaried or self-employed both are eligible
- Minimum Income Rs. 6 Lakhs or above, per annum
- Have to Indian or multinational bank’s savings or current account in India
- Good credit history
- Have a current/permanent residential address in India
- Joining Fee Rs. 1000
- Renewal Fee Rs. 4,999 (from second year onwards)
- Annual Membership Renewal fee 100% waived off if total spends in a year Rs.1,50,000 and above
- 50% annual membership renewal fee will be waived off if total spendsin a year Rs.90,000 to Rs.1,49,999.