American Express Rewards Credit Card
American Express
last updated: Nov 14, 2025
₹4,500
₹1,000
2.5%
6 visits/yr
Contents
The American Express Rewards Credit Card delivers rewarding experiences with accelerated Membership Rewards points for dining, shopping, and travel. Enjoy exclusive access to curated offers and versatile redemption options. Ideal for users seeking premium benefits and rewards on everyday expenses.
Features of American Express Rewards Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based
Rewards Structure of American Express Rewards Credit Card
Dining
acceleratedrestaurants and dining outlets
Earn 10X Membership Rewards points on dining
Shopping
acceleratedon selected merchants
5X points on online and retail shopping
Base Rewards
baseall other spends
Standard earn rate on all other transactions
Milestones of American Express Rewards Credit Card
Quarterly Milestone
₹1,20,000 : Amazon vouchers worth ₹500
Annual Milestone
₹4,00,000 : Exclusive Taj Hotel vouchers
Fees & Charges of American Express Rewards Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹4,500 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 3.5% |
| Late Payment Fee | ₹1,000 |
| Over Limit Fee | ₹700 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:100% renewal fee waiver on eligible spends
Fee Explanation Standard bank rates apply for overdue amounts.
Lounge Access Benefits with American Express Rewards Credit Card
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only
international Lounges
platinumVisits per year: 2
Guest access: Yes
Through Priority Pass
Insurance Coverage with American Express Rewards Credit Card
travel insurance
₹10,00,000Valid on international trips
purchase protection
₹50,000Within 90 days of purchase
Additional Features of American Express Rewards Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with American Express Rewards Credit Card
Welcome Bonus: 4,000 Rewards Points
Bonus Conditions: On payment of joining fee and spending ₹15,000 in 90 days
Application Process for American Express Rewards 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 business days
Required Documents for American Express Rewards Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
American Express Rewards 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 Rewards Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹60,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar card required.
How Approval Is Decided
- Minimum monthly income ₹50,000
- Indian resident with valid ID proof
- Credit score above 700
Pros of American Express Rewards Credit Card
- Strong rewards with accelerated points
- Attractive welcome bonus
- Comprehensive milestone benefits
Cons of American Express Rewards Credit Card
- Higher annual fee
- Instant approval not available
Frequently Asked Questions about American Express Rewards Credit Card
Is there a joining fee?
Yes, ₹1000 joining fee is applicable.
Are there any annual fee waivers?
Yes, renewal fee can be waived on eligible spends.
What is the welcome bonus?
Get 4,000 bonus Membership Rewards Points on joining and spending ₹15,000 in 90 days.
Is instant approval available?
No, instant approval is not available for this card.
What is the minimum income requirement?
Salaried applicants need a minimum income of ₹50,000 per month.
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