American Express Payback Credit Card
American Express
last updated: Nov 14, 2025
₹1,500
₹750
3.5%
No lounge access
Contents
The American Express Payback Credit Card offers seamless rewards on everyday spending with 2 PAYBACK points per ₹100. Ideal for frequent shoppers, it features milestone bonuses and flexible redemption options across over 50 partner outlets. Enjoy secure contactless payments and easy management through the American Express app.
Features of American Express Payback Credit Card which makes it unique
Flexible Redemption
Redeem points across 50+ partner outlets and online
Convenient and varied reward options
Rewards Structure of American Express Payback Credit Card
Base
baseall purchases
Earn 2 Payback points on all spends
Milestones of American Express Payback Credit Card
Annual Spend ₹1.25 Lakh
₹1,25,000 : ₹2,000 Flipkart voucher
Annual Spend ₹2.5 Lakh
₹2,50,000 : ₹7,000 Flipkart voucher
Fees & Charges of American Express Payback Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹750 |
| Annual Fee | ₹1,500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Standard renewal fee applies
Fee Explanation Standard bank rates apply for overdue amounts.
Additional Features of American Express Payback Credit Card
Contactless Payments
Tap and pay enabled
Mobile Wallet Support
Google Pay, PhonePe, Samsung Pay, Apple Pay, Paytm, Amazon Pay
Welcome Bonus with American Express Payback Credit Card
Welcome Bonus: 2,000 PAYBACK points
Bonus Conditions: Valid for new customers on ₹15,000 spend in 90 days
Application Process for American Express Payback Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via American Express portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for American Express Payback Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
American Express Payback Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for American Express Payback Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar card required.
How Approval Is Decided
- Minimum income ₹25,000/month
- Indian resident
- Credit score above 700
Pros of American Express Payback Credit Card
- Earn 2 Payback points per ₹100 on all spends
- Milestone rewards with Flipkart vouchers
- Wide acceptance including online partners
Cons of American Express Payback Credit Card
- No lounge access
- Annual fee higher than basic cards
Frequently Asked Questions about American Express Payback Credit Card
Is there a joining fee?
Yes, ₹750 joining fee applicable.
What is the annual fee?
₹1500 plus taxes starting second year.
How do I earn PAYBACK points?
Earn 2 points for every ₹100 spent on the card.
Can I redeem points online?
Yes, points can be redeemed at partner outlets including online stores.
Is contactless payment available?
Yes, the card supports contactless tap and pay transactions.
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