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-
- Amex SmartEarn Credit Card
- Amex Membership Rewards Credit Card
- Amex Platinum Reserve Credit Card
- Amex Platinum Travel Credit Card
- AMEX Platinum Charge Card
- 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]