Express Credit Card
Business | Finance

Is It Good To Have An American Express Credit Card?

February 27, 2018

If you are in the financial world or interested in financial services, then AMEX is the best choice of yours. Time to time American Express credit card increase their payment system and makes it more convenient and rewarding for you.

If you want these offers, then you have also available for rewards and best deals offered by the credit card itself. It’s not only great deals also get reward points, cash-backs and lots of benefits. So here are different credit cards with fee and charges

AMEX Gold Credit Card 

  • Reward points redeemable at 18 carats and 24-carat gold collection
  • Enjoy greater flexibility with no pre-set limit on spending
  • Get Rs 1,000 with applicable GST for the first-year fee and from second years onward Rs 4,500 plus applicable GST

AMEX Platinum Reserve Credit Card 

  • A welcome gift of 11,000 bonus membership reward points
  • You can make use of the membership rewards points to pay for the card charges
  • Get Rs 5,000 with applicable GST for the first-year fee and from second years onward Rs 10,000 plus applicable GST

AMEX Platinum Travel Credit Card 

  • A welcome gift of 5,000 milestone bonus membership rewards points redeemable for IndiGo Vouchers worth Rs 4,000
  • Spends Rs 4 lakhs in a year and additionally get travel vouchers worth up to Rs 11,800
  • Get Rs 3,500 with applicable GST for the first-year fee and from second years onward Rs 5,000 plus applicable GST

AMEX Jet Airways Platinum Credit Card 

  • Earn 16 JPMiles for every Rs 150 for booking revenue tickets on Jet Airways
  • A 5% discount available on base fare for revenue ticket bookings made on the website of Jet Airways
  • Get Rs 5,000 with applicable GST for the first-year fee and from second years onward Rs 10,000 plus applicable GST 

What is the procedure to apply for an American Express Credit Cards?

Your procedure should be step by step, check your eligibility criteria first. You must be of legal age and no defaulter record. Your previous credit record or payment record should be spotless. During that time, your KYC part is a second important thing, where you can provide them Identity proof, Address proof, Passport size photograph and Income proof. Mainly, your income proof shows your repayment capability as well as gaining the trust of lenders through your income.

After all, the cross-checking procedure can apply for an AMEX credit card via an online. You just open the website of the bank, select a credit card as per your requirement. Fill the all information as per application form with complete documents. Application processing typically takes 2 to 3 weeks from submission. You will be notified directly through your registered email ID or mobile number, that your card is approved or denied.

How can you pay your American Express credit card bills?

You need to follow some critical parts, where a bank might cut your reward points and credit limit if you are not paying bills for the limited time. That’s why it’s necessary to clear your bills on time before the due dates. See if you are already using online payment services such as net banking, mobile banking App or NEFT then you should be aware of your outstanding amounts. Paying bills to right time indicating you as a responsible person front of lenders and your duty to maintain the things in the right direction.

How Can You Get Your AMEX Credit Card Expenses Report?

When you are using your credit card for purchasing your products, then this procedure is also necessary for you that is your expenses report. With this tool, you can find out your previous as well as present expenses report. If you want your monthly transaction report, then a bank will send in your registered email ID. This thing helps you to maintain your credit score as well as your CIBIL score because through this report bank will notice your credibility and responsibility for a credit card. AMEX is very particular about CIBIL score report before they are giving you credit card, can re-check your bank credit card details.

What Is The Customer Service Number For American Express Credit Card?

For clear your doubts, feedbacks and complaints of AMEX credit card, have many communication modes. You can contact them through chat, a call or via an email. You will get comfortably email ID or a number from their website. It’s not necessary that you will approach them for complaints or share feedbacks, you have full rights to know about credit card offers, discounts, cash backs or how can you use to get rewards. The executives are happy to help you and try to resolve your issues as soon as possible.

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