How To Get An Amex Card Easily | Best Amex Credit Card For You | All Amex Card Eligibility Criteria

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If you are a credit card enthusiast, then you must have an Amex card. Your credit card portfolio is incomplete if you don't have an American Express card. There are many reasons behind holding a credit card from Amex. They come up with frequent online and offline deals. Their reward system [MR Points] is one of the most rewarding and valuable credit card reward programmes.
Amex India offers four credit cards and two charge cards in India.

Credit Card List-

1. Amex SmartEarn Credit Card
2. Amex Membership Rewards Credit Card
3. Amex Platinum Reserve Credit Card
4. Amex Platinum Travel Credit Card
5. AMEX Platinum Charge Card
6. AMEX Gold Charge Card

Eligibility Criteria-
1. You must have a serviceable area address [can be your current address]. Normally, Amex doesn't ask for address proof.

Serviceable City List-
Guntur, Hyderabad, Krishna, Medak, Rangareddy, Visakhapatnam, Vizianagaram, Chandigarh, Jaipur, Ahmedabad, Gandhinagar, Bardoli, Surat, Vadodara, Ambala, Jhajjar, Panchkula, Bengaluru, Kochi, Bhopal, Indore, Mumbai, Pune, Raigad, Thane, Bhubaneswar, Khurdha, Mohali, Chennai, Coimbatore, Erode, Kanchipuram, Krishnagiri, Salem, Tiruvallur, Gautam Buddha Nagar, Hooghly, Howrah, Kolkata, North 24 Parganas, South 24 Parganas, Delhi, Noida, Ghaziabad, Gurgaon, Faridabad, Vijayawada, Ernakulam, Secunderabad, Aluva, Ropar, Hosur, Sriperumbudur, Tiruppur, Baramati, Navi Mumbai, Lucknow, Trivandrum, Mysuru, Nasik, Nagpur, Ludhiana,

2. Income:-

Card Name	Salaried Person	Self-Employed
AMEX SmartEarn Credit Card	Rs. 4,50,000	Rs. 6,00,000
AMEX Membership Rewards Credit Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Platinum Travel Credit Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Platinum Reserve Credit Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Gold Charge Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Platinum Charge Card	Rs. 25,00,000	Rs. 15,00,000

Things to remember when applying for an Amex card:

1. You must have an address in a serviceable area.
2. Your CIBIL score should be a minimum of 750.
3. No late payment entries in your CIBIL report in the last 7 years. [unofficial]
4. No more than three hard inquiries in the last three months. [unofficial]

If you are eligible, just apply for an AMEX card using this link - Click Here & Apply For AMEX Card.

Best Amex Credit Card For You:

Amex offers entry-level cards as well as ultra-premium cards. We typically use our American Express card to earn miles and hotel loyalty points. You have to choose the right credit card for you according to your needs and how you want to redeem your card's reward points.

Lets Simplify This-

• If you are not looking for airmiles or hotel points but just want an AMEX card for their online and offline deals, then get an entry-level card like the Amex SmartEarn.
• Get an AMEX MRCC if you can spend Rs. 1,50,000 per year [1,500 X 4 Transactions per Month] but aren't interested in airmiles.
• If you are into airmiles games, you want to redeem your reward points for airmiles or hotel points, and you can spend Rs. 5,50,000 to Rs. 8,00,000 a year, then get AMEX Platinum Travel + AMEX Gold Charge + AMEX MRCC. More details below.
• If you are looking for a pure lifestyle credit card and don't care about the card's fees or reward rate, then you can go for the American Express Platinum Charge Card.

Now, how to maximise your AMEX reward:
Apply for Amex Gold Charge, Amex Platinum Travel, and Amex MRCC. You can get MRCC as a companion card with an Amex Gold Charge. That means you don't have to pay any fees for the Membership Rewards Card as long as you hold an AMEX Gold Charge Card. And you can always negotiate with Amex for your other card's fees reversal, remember one think... If you don't ask for retention offer, you'll get nothing.

Use your Platinum Travel Card to spend Rs. 400,000:
If you spend 4L using your Plat travel card, you'll get 48,000 MR points and a Taj Hotel voucher of Rs. 10,000.
Regular MR for spending 4L = 8,000 MR
Milestone 1 [1.9L spends] = 15,000 MR
Milestone 2 [4L spends] = 25,000 MR, TAJ GV- 10K

Using your AMEX Gold Charge Card, spend Rs. 72,000:
If you make 6 transactions a month of Rs. 1,000 each via Amex reward multiplier [ex-buy any gift voucher], then you'll get 5X MR points + 1000 bonus MR points.
Total Points Per Year-
5X Bonus = 7200 MR
6 Transactions bonus = 12,000 MR
Total = 19,200 MR

Use your American Express MRCC to spend 72,000/2,40,000:
Case 1:
If you make 4 transactions a month of Rs. 1,500 each via Amex reward multiplier [ex-buy any gift voucher], then you'll get 2X MR points + 1000 bonus MR points.
Total Points Per Year-
2X Bonus = 2880 MR
6 Transactions bonus = 12,000 MR
Total = 14,880 MR

Case 2:
If you make 4 transactions a month of Rs. 1,500 each via Amex reward multiplier [ex-buy any gift voucher], then you'll get 2X MR points + 1000 bonus MR points, and spend a total of Rs. 20,000 a month.
Total Points Per Year-
2X Bonus on 72K = 2880 MR
Normal Reward On 1.68L = 3360 MR
6 Transactions bonus = 12,000 MR
20K Transaction bonus = 12,000 MR
Total = 30,240 MR

So, if you spend 4L using AMEX Platinum Travel + 72K using Gold Charge + 72K using MRCC (case 1), then you'll get a total of 82,080 MR points and a Taj hotel voucher worth Rs. 10,000.
Total Spends = Rs. 5,44,000
Total Value Back [If you value 1 MR = Rs. 0.80] = Rs. 75,664
Card Annual Fees you have to pay-
Gold Charge = Rs. 4,500 + 18% GST = Rs. 5310
Platinum Travel = Rs. 5000 + 18% GST = Rs. 5900
MRCC = 0* Companion Card
Total Fees= Rs. 11,210
Actual Value Back = Rs. 64,454 [after spending 5.44L]
Reward Rate-11.85%
# If you manage to get Platinum Travel Card fees waiver, then reward rate will be- 12.93%

Now,
If you spend 4 lakhs using AMEX Platinum Travel + 72K using Gold Charge + 2.40 lakhs using MRCC, then you'll get a total of 97,440 MR points and a Taj hotel voucher worth Rs. 10,000.
Total Spends = Rs. 7,12,000
Total Value Back [If you value 1 MR = Rs. 0.80] = Rs. 87,952
Card Annual Fees you have to pay-
Gold Charge = Rs. 4,500 + 18% GST = Rs. 5310
Platinum Travel = Rs. 5000 + 18% GST = Rs. 5900
MRCC = 0* Companion Card
Total Fees = Rs. 11,210
After spending 7.12L, the actual value returned is Rs. 76,742.
Reward Rate-10.78%
# If you manage to get Platinum Travel Card fees waiver, then reward rate will be- 11.61%

Apply For AMEX Credit Card- Click Here (All Amex Card Application Link)

 

[SSV]

Hi,
I’m new to credit card world and after knowing all the benefits of CCs I also want to own few cards like Amex Platinum Travel card.

For this card eligibility say we should be a credit card holder, is this requirement very strict? I don’t have any CC as of now.

If it is really required I’m planning to apply for any lifetime free credit card just to be eligible for Amex, if really required.

I’m self employed with six point five lac gross ITR since more than 8 years and the pvt ltd company is in good standing. I’m from Hyderabad. Cibil about seven hundred thirty without any negative remarks.

Please help.

yes you need to have one existing CC.. to get amex card..
but it is very easy to get any CC first..
Check your inbox

 

[350modena]

Hi,
I’m new to credit card world and after knowing all the benefits of CCs I also want to own few cards like Amex Platinum Travel card.

For this card eligibility say we should be a credit card holder, is this requirement very strict? I don’t have any CC as of now.

If it is really required I’m planning to apply for any lifetime free credit card just to be eligible for Amex, if really required.

I’m self employed with six point five lac gross ITR since more than 8 years and the pvt ltd company is in good standing. I’m from Hyderabad. Cibil about seven hundred thirty without any negative remarks.

Please help.

You can try for the icici Amazon pay CC - it's LTF. And after 6 months you can apply for Amex (MRCC or smartearn)

 

[ujjwal2024]

yes you need to have one existing CC.. to get amex card..
but it is very easy to get any CC first..
Check your inbox

But today asked one excecutuve in Chat about it...he told one can get smartearn card as first-time card...means no other existing card is required to get it..

 

[SSV]

But today asked one excecutuve in Chat about it...he told one can get smartearn card as first-time card...means no other existing card is required to get it..

theri website clearly saying otherwise.. probably they might have changed their policy lately ..

 

[ujjwal2024]

theri website clearly saying otherwise.. probably they might have changed their policy lately ..

may be they have allowed only for Smartearn which is very basic card

 

[kushalshah]

Has AMEX stopped issuing credit cards to foreign nationals living in India?

 

[coolguy1]

Has AMEX stopped issuing credit cards to foreign nationals living in India?

NRIs cannot get any credit card and are generally allowed only NRE/NRI accounts.

As a foreign national, you should be able to apply for any card of your choice as long as you can show income proofs, DM me for details and I can share a guide to ensure it gets approved! 🙂

 

[ujjwal2024]

But today asked one excecutuve in Chat about it...he told one can get smartearn card as first-time card...means no other existing card is required to get it..

To confirm that My wife have got her first ever credit card (from my reference) in her lifetime and it was AMEX smartearn...hence, amex does give smartearn without any existing card...Now she will apply for MRCC card after 2-3 weeks

 

[coolguy1]

To confirm that My wife have got her first ever credit card (from my reference) in her lifetime and it was AMEX smartearn...hence, amex does give smartearn without any existing card...Now she will apply for MRCC card after 2-3 weeks

A lot of my friends have gotten MRCC as their first credit card too!

With an open forum comes a lot of opinions; you need to understand which ones to believe in and which ones to skip. 🙂

 

[shubhamk]

yes you need to have one existing CC.. to get amex card..
but it is very easy to get any CC first..
Check your inbox

Existing CC is not required for Amex. You can have some cibil score using Amazon Pay Later. I got Platinum Reserve as my first card.

 

[Atul24]

My pincode is not serviceable for amex and hence i'm not eligible for amex card. Any suggestions guys? I wanna get amex plat travel.

 

[350modena]

My pincode is not serviceable for amex and hence i'm not eligible for amex card. Any suggestions guys? I wanna get amex plat travel.

Can you change your aadhaar to a servicable pincode ?

 

[Atul24]

don't we have any other option other then changing the Aadhaar address?

 

[spanmarc]

i have applied for platinum travel card but in the application i mentioned salaried wereas it should be self employed. My video kyc is also done. Now they are asking for income proof document and i am having ITR copy of business income above 6 lacs. Should i call the customer care and rectify my employment status? Will my application will get rejected by doing so? or what should do now?

 

[350modena]

don't we have any other option other then changing the Aadhaar address?

This is the most sure shot option of getting it.

 

[pgarg24]

i have applied for platinum travel card but in the application i mentioned salaried wereas it should be self employed. My video kyc is also done. Now they are asking for income proof document and i am having ITR copy of business income above 6 lacs. Should i call the customer care and rectify my employment status? Will my application will get rejected by doing so? or what should do now?

You will need to apply with fresh application. They cannot change anything from their end. If you tell them they will cancel the application and then you can reapply within 2-3 working days an dposaibly get thedesigner cards too.