Amex Credit Card: Today we are going to tell you about the Platinum Card offered by American Express Company. If you are affluent, fond of international travel and do a lot of online shopping, and you need a special credit card that can provide you with national and international airports, hotel lounge access, special offers, rewards, etc., then American Express Platinum Card can be a great option for you.
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In Amex Credit Card, you will get all the features you can think of. This card offers you many special features like travel, shopping, lifestyle, dining, movies and more. Stay with us to know more about its fees, eligibility, interest rate, offers, and other details.
In this article, we will provide you detailed information about American Express Platinum Card, such as how to apply for it, what are the fees, what are the offers, and all its important benefits. So now stay connected with us to know more about American Express Platinum Card.
What is Amex Credit Card?
The full form of American Express Company is American Express Banking Corporation Limited, also commonly known as Amex Bank. It is one of the leading companies providing credit card services globally. American Express Company offers a variety of credit cards that offer special benefits and offers related to lifestyle savings, shopping, restaurant offers, movie tickets, lounge access, hotel bookings, etc.
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Benefits of Amex Credit Card
- 24X7 Concierge Service: American Express Platinum Card holders are offered 24-hour concierge service. Through this service, you can easily perform tasks like dining reservations, travel planning, booking special events, and late-night deliveries. Along with this, this service also ensures the safety of your card and is available 24 hours a day worldwide.
- Airport Lounge Access: Holders of this card get priority access to lounges in major airports around the world, such as The Centurion® Lounge, American Express Proprietary Lounges, Delta and Centurion® Lounges, Delta and Priority Pass Lounges. These lounges offer special facilities such as peace and refreshments, WiFi facility, and room facilities.
- Discounts at Fine Hotels & Resorts: The card offers its holders up to INR 37,000 discount on every booking at any of the 1000+ properties in the Fine Hotels & Resorts collection. Apart from this, up to 25% discount is also available on select brands such as Taj, Selections, and Vivanta hotels.
- Protection Benefits: The card offers its holders various protection programs such as Air Accident Insurance, Overseas Medical Insurance, Purchase Protection, and Wallet Protection. This ensures the safety of your travel and shopping.
Travel Benefits of Amex Credit Card
Here are 10 travel benefits of the American Express Platinum Card
- Global Airport Lounge Access: Get access to over 1,200 lounges where you can enjoy free WiFi and delicious cuisine.
- Exclusive Airline Deals: Get exclusive deals on top airlines like Emirates, Qatar Airways, Virgin Atlantic, British Airways.
- Relax in Prestigious Hotels: Stay in the finest 5-star hotels and get exclusive benefits like late check-out, free WiFi, and dining discounts.
- Elite Hotel Loyalty Status: Get top-level membership in leading hotel loyalty programs like Taj, Marriott, Hilton, Radisson, Hertz.
- Growing Air Insurance Worldwide: Get various protection benefits including air accident insurance, overseas medical insurance, and purchase protection.
- 24X7 Concierge Service: Get assistance with a variety of services including dining reservations, travel plans, and last-minute bookings.
- Shopping Protection: Get wallet security and purchase protection features to keep online purchases safe.
- Exclusive Rewards and Offers: Enjoy exclusive rewards, discounts, and offers such as hotel bookings, restaurant discounts, and in-store rewards.
- Enjoy Additional Benefits: Additional benefits include room upgrades, daily breakfast when available, and special perks.
Documents Required For Amex Credit Card
- Identity Proof (any one): PAN Card, Aadhaar Card, Driving License, Passport, Voter ID Card, Overseas Citizen of India Card, Person of Indian Origin Card.
- Residence Proof (any one): Aadhaar Card, Driving License, Passport, Utility Bill (not older than 3 months), Ration Card, Property Registration Documents, Person of Indian Origin Card.
- Income Proof (any one): Latest one or 2 salary slips (not older than 3 months), Latest Form 16, Bank Statement of last 3 months.
American Express Credit Card Eligibility
- Must be at least 18 years of age.
- Company should be at least 12 months old in self-employment.
- Must have current residential address in India.
- Must have savings or current account with an Indian or multinational bank.
- Good credit history and no payment defaults.
- Individual annual income should be Rs 25 lakh or more. Rs 15 lakh or more if self-employed.
- Must be a resident Indian and change in residential status must be reported to American Express.
Amex Credit Card Fees and Charges
- Joining Fee: ₹60,000 + GST
- Annual Fee: ₹60,000 + GST
- Supplementary Card Fee: ₹1,500
- Over Limit Charge: ₹500
- Currency Conversion Factor Assessment: 3.50%
- Finance Charges: 1.99% – 3.5% per month (varies with the credit card)
- Duplicate Statement Fee: ₹100 per statement for statements older than 3 months
- Cheque/ECS/NEFT Return Fee: ₹250 per return
- Surcharge on Railway Ticket Booking: 1.8% or more, minimum ₹10 transaction amount when booked online
How to apply for Amex Credit Card online
- Visit Website: Visit the official website of American Express.
- Cards Section: Go to the “Cards” section and click on “American Express Platinum Card”.
- Fill Application: Fill in your name, address, income, etc. and click “Submit”.
- Eligibility Check: Your eligibility will be checked and you will be informed about the card offer.
- Select Card: Select American Express Platinum Card.
- Upload KYC Documents: Upload your KYC (Know Your Customer) documents and submit the application.
- Document Verification: The documents you have uploaded will be verified.
- Approval: If all the checks are correct, your application will be approved.
- Card Receive: Once approved, the American Express Platinum Card will be delivered to your address within a few days.
Amex Credit Card Customer Care
Amex Customer Care Number – 1800 180 1030
Amex Email ID – customerservicesindia@aexp.com
FAQs
Are Amex cards hard to get?
Yes, it’s hard to get an American Express card because you will need a good or excellent credit score for approval
What is special about an Amex card?
The card offers its holders various protection programs such as Air Accident Insurance, Overseas Medical Insurance, Purchase Protection, and Wallet Protection. This ensures the safety of your travel and shopping.
How much is the Amex card fee?
Annual Fee: ₹60,000 + GST, Joining Fee: ₹60,000 + GST, Supplementary Card Fee: ₹1,500, Over Limit Charge: ₹500
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