American Express is a brand which we all want to ponder upon. Here we have listed all the American Express cards in the Indian Market which you can review as per their fee, Welcome offer, and the benefits which the card provides.

This article is especially for users who want to have the renowned card and do not wish to spend so much time thinking about which card to apply for as we have categorised the card based on their fee, rewards, and special bonus offers.
Table of Contents
American Express credit cards in India
American Express® Platinum Card
The Platinum Card from American Express is the most premium card that will give you all kinds of benefits if you travel a lot and are a frequent flyer. It is a Metal card which is super awesome and will give you a different kind of feeling altogether.
If you want to get the benefits above Rs. 1,50,000 or above on a credit card, Platinum card is the one you are looking for. You can go through the below benefits and can make up your mind if this is the correct card for you or not.
Annual fee: Rs. 60,000 + taxes
Welcome bonus: 100,000 bonus points if you make the spending of INR 50,000 or more within 60 days of card approval.

Benefits
- 3x reward points on your international transaction.
- 1x reward point for every Rs. 40 spending.
- The reward points never expire.
- Can choose to redeem the points for Travel Vouchers, dining and Gift cards.
- The access to Airport lounges throughout the world.
Additional benefits:
- Option to save upto 1,11,000 INR while traveling and accessing the world class lounges.
- The Fine Hotel and Resort credit worth upto 37,000 when you book at one of FHR Hotels.
- 24*7 support with concierge.
- Exclusive Deals with the Best of Airlines like Qatar Airways, Emirates, Virgin Atlantic, Air France, British Airways, KLM, Delta Airlines
- Elite upgrade status: Hilton Gold, Marriott Gold, Taj Silver, Hertz Gold plus and Radisson Reward gold status.
- Insurance cover of INR 5 CR on Platinum Travel booking
- Overseas Medical Insurance.
- Loss Damage and wallet protection.
American Express SmartEarn™ Credit Card

The SmartEarn is a card which is designed by American Express for the members who prefer doing a lot of shopping in a month. You can easily earn a lot of cashback or the Amazon Voucher with this card.
So, the more you spend the more you can get back and we would highly recommend this card to all the users to have as you do have the benefit to get the annual fee waiver on it.
Annual fee: Rs. 495 + taxes (which gets waived when you spend Rs. 40,000 and above in last year’s membership.)
Welcome Bonus: You can get Rs, 500 as cashback if you spending 10,000 or above within 90 days.
Benefits
- Get 10x points when you spend with Flipkart, Uber and Amazon for every Rs 50 spending.
- 5x points on Payment wallet load, Book my show booking, Swiggy and many more for every Rs 50 spending.
- Spending milestone bonus like Rs. 500 Amazon Voucher after you spend 1.20 Lacs, 1.80 Lac and 2.40 lac within year. Which means you can easily get up to 1500 Amazon Voucher each year.
Additional Benefits:
- Waiver on Fuel Convenience Fee Waiver
- Fraud protection.
- Hassle Free card replacement.
- Contactless Payment
- Dispute option.
- 24*7 Customer support.
American Express Membership Rewards® Credit Card

This card is also called MRCC card. This card is for the users who do regular shopping at malls or online at different merchants.
This is the best card in the market at the moment for users who believe in earning membership points as you can get 2000 bonus points every month by using the card. You just need to make sure you put all the charges you do on a daily basis on this card and can make the best out of it.
Annual fee: Rs. 1000 + Taxes for the first year. 4500 + taxes from 2nd year onwards.
Welcome Bonus: You can get 4,000 bonus points if you pay the joining fee and spend Rs. 15,000 or above within 90 days from the Card approval date.
Benefits
- 1x point for every Rs. 50 spending except on Utility and Fuel charges.
- You can spend Rs. 1,50,000 or above in year for 100% fee waiver or else 50% if spending is between 90,000 to 1,49,999.
- 1000 bonus points each month after spending Rs. 1500 or above 4 times.
- 1000 bonus points if Rs. 20,000 or more is spent in a month. (enrolment required)
Additional Benefits:
- Waiver on Fuel Convenience Fee Waiver
- Fraud protection.
- Hassle Free card replacement.
- Contactless Payment
- Dispute option.
- 24*7 Customer support.
- Upto 20% off on dining at select restaurant.
Reward redemption option:
- 24000 MR can be redeemed for
- Taj Voucher of Rs. 14,000
- Tanishq Voucher of Rs. 10,000
- Statement credit of 9,000
- 18,000 MR Can be redeemed for
- Taj Voucher of Rs. 8,000
- Amazon Voucher of Rs. 7,000
- Statement credit of 6,000
American Express® Platinum ReserveSM Credit Card

This card is specifically designed by American Express for the members who prefer the stay at hotels and resort while their travel. On this card, you can get benefits from a brand hotel like Taj and Vivanta.
The benefits like Fine Dining, and the Elite tier membership is just a cherry on the top.
Annual fee: Rs. 5000 + Taxes for the first year. 10,000 + taxes from the 2nd year onwards.
Welcome Bonus:
You can get 11,000 bonus points if you pay the joining fee and spend Rs. 30,000 or above within 90 days from the Card approval date.
Benefits:
- Movie or Shopping Voucher Upto Rs, 6,000 per year (Enrolment required)
- Special benefits at Taj and Vivanta Hotels and at preferred resorts.
- Complimentary Lounge access with $99 membership fee waiver for priority pass.
- 1x point for every Rs. 50 spending except on Utility and Fuel charges.
Additional benefits:
- Elite Tier Membership
- Fine Dining
- Purchase protection.
- Waiver on Fuel Convenience Fee Waiver
- Fraud protection.
- Hassle Free card replacement.
- Contactless Payment
- Dispute option.
- 24*7 Customer support.
- Can choose to redeem the points for Travel Vouchers, dining and Gift cards.
American Express® Gold Card

The Gold Card from American Express is the only card in the market with which you get the feature to pay the membership fee in monthly installments instead of putting a burden on your pocket at once.
Are you spending on shopping websites a lot, go for this card guys as it will give you a lot of points in their reward multiplier program where you can get 5x points for Rs. 50 instead of 1x point.
Annual fee: Rs. 4500 + Taxes (Option to pay Rs. 350 per month if you do not wish to pay the fee in full in one go)
Benefits:
- 1000 bonus points each month after spending Rs. 1000 or above 6 times.
- Every month guaranteed ₹500 cashback on your salon visits across 35+ Lakme Salons.
- 1x point for every Rs. 50 spending even on Utility and Fuel charges.
- 5x Reward Multiplier on brands like Flipkart, Amazon, Apple and more.
- Redemption of Points for Voucher from Taj, Tanishq and Amazon.
- 10% off every time you book flight with Vistara.
- Discount up to 30% off at Chenab, Eat Better, The Gourmet Box, Eat Anytime, Gourmet Delight, Open Secret, Krishi Cress, Kaizer and Zama Organics
Additional benefits :
- Fraud protection.
- Hassle Free card replacement.
- Contactless Payment
- Dispute option.
- 24*7 Customer support.
American Express® Platinum Travel Credit Card

Do you love traveling and prefer shopping with Flipkart, then you are going through the correct card. This card will give you around INR 19000 Flipkart voucher and INR 10000 Taj Voucher.
What else do we need from a credit card that is giving us a 6 times return towards the annual fee which we pay on this card.
Annual fee: Rs. 3500 + Taxes for the first year. 5,000 + taxes from 2nd year onwards.
Welcome Bonus:
You can get 10,000 bonus points if you pay the joining fee and spend Rs. 5,000 or above within 60 days from the Card. approval date.
Benefits:
- 1x point for every Rs. 50 spending except on Utility and Fuel charges.
- Flipkart Voucher worth Rs. 4500 after spending 1.90 Lacs in a card membership year.
- Flipkart Voucher worth 7500 after spending 4 Lacs in a card membership year.
- 4 Complimentary Lounge access (1 access in each quarter).
- Taj voucher worth Rs. 10,000 after spending 4 Lacs in a card membership year.
- 10% Cash back on One Plus Device purchase at the website.
Additional Benefits:
- Waiver on Fuel Convenience Fee Waiver
- Fraud protection.
- Hassle Free card replacement.
- Contactless Payment
- Dispute option.
- 24*7 Customer support.
- Upto 20% off on dining at select restaurant.
We have tried listing all the Major benefits of the legendary high class American Express card. Currently the new application is not being accepted but the article will guide making the decision when the company start accepting the new application which should be by the mid of August as per the sources known to us.