Corporate Gold Card
Corporate Green Card
Corporate Platinum CardThe American Express Card, also known as the “Amex” card, is an electronic payment card branded by American Express (AXP), a publicly traded financial services company. The company issues and processes prepaid, charge, and credit cards. American Express Cards are available to individuals, small businesses, and corporate customers throughout the United States and around the world.
Table of Contents
How to apply for a Credit Card online || How to get American express card
How to get American express card How to get American Express card or charge card online in 10 minutes. Here’s how:
- Start by visiting the American Express Credit Card page or Charge Card page
- Study and compare the cards on offer and choose the one that best suits your needs.
- Click on the ‘Apply now’ button
- The application form will open in a separate window. You will need to provide your personal details; including your name, date of birth, income, PAN and address. Click on ‘Save’ and continue to the next page.
- Here you will be asked for more financial information such as your bank details. You can fill in the information, save and review it before applying.
- After submitting, you will receive a confirmation that we have received your application
- We will then ask for any necessary documents to prove your legal status and identity
If your application is successful, you will hear from us within 15 days. If not, we will notify you of the decision within 90 days.
To speed up the process, please double-check your application and eligibility and make sure you have all the necessary documents ready.
APPLAY FOR : americanexpress.com
How to get American Express card for the first time
You can use a credit card account to build credit history. This will help increase your credit score, showing that you are a responsible and reliable borrower.
The process for a first-time credit card applicant is the same as if you had one before. Follow the steps above.
What do I need to apply for a credit card?
When you submit your card application you will be asked for the following:
- Personal information: including your name, email address, date of birth and nationality.
- Contact details: including your phone number and current address. If you have lived at your current address for less than three years, we will also need your previous address.
- Financial information: including your annual personal income (and any other household income), your employment status and employer contact details, as well as how long you have been with your bank or building society.
Credit card requirements and how to get approved for a credit card
Before you apply for a card, check the basic eligibility criteria. The critical requirements for American Express credit and charge cards (and most credit cards in India) are:
- Legal age
You must be 18 or older to apply for a credit card in India - Indian residency
You must qualify as an Indian resident and have a permanent residential address - Good credit score
You must have a good credit score and no history of bad credit, such as any previous loans or outstanding credit card balances that you have failed to pay on time.
Credit card providers want to know your creditworthiness before approving your credit card application. To understand this, they will look at your credit score as an indicator of how likely you are to pay your credit card bills on time.
Your credit score determines the interest rates you are offered when you apply for a credit card. If you have a good credit history, you will enjoy better interest rates and higher credit limits. You can find your credit score by visiting the CIBIL website.
- Indian or multinational bank savings or current account in India
- Not filed for bankruptcy in the last 7 years
How to choose a credit card
Not sure which card to go for? The best card for you will depend on your financial situation and how you want to use it. Start by understanding your income and spending habits each month and thinking about how you will pay off the balance.
Credit Cards
Credit cards charge monthly interest based on the Annual Percentage Rate (APR). They allow you to pay off your card balance in full or in part each month. Partial payments will attract additional fees/interest.
Credit cards also allow you to earn rewards and take advantage of additional benefits, so choose a card that suits your lifestyle.
Charge Cards
The balance on a charge card is paid in full at the end of each month. So if you’re confident that you’ll always have enough balance to make this monthly payment, a charge card is a useful way to manage your finances.
Like credit cards, charge cards allow you to earn membership reward points to spend on a variety of benefits.
Both credit cards and charge cards will help you build your credit score. But remember: Applying for a card may not be a good idea for people with poor financial health. If you frequently reach the credit limit on your existing cards and can’t always pay your bills on time, it’s best not to consider another one until you’ve balanced it out. Plus, if your credit score is already low, another inquiry from a potential credit card issuer could negatively impact it.
Understanding our cards, your credit, and how to manage your debt can help you get the most out of your money. Before you apply for a card, look at interest rates, fees, and individual rewards and bonuses to see what’s best for you.
FAQ
How to get American Express card eligibility?
The American Express SmartEarn™ Credit Card has the most relaxed eligibility criteria. To get this card, you must be over 18 years of age with an annual income of Rs. 4.5 lakhs. If you are self-employed, you must have an annual income of Rs. 6 lakhs. What credit score do you need for an American Express® Card?
How to get American Express card Black ?
Better known as the Black Card, you’ll need a personal invitation from AmEx to apply, and if approved, you’ll be on the hook for a one-time $10,000 initiation fee on top of a $5,000 annual fee. Terms apply.
How do you qualify for an American Express card?
To get an American Express® Credit Card, you need a good credit score of 700 and above, with no history of payment defaults. A poor credit score indicates a high probability of bill payment failure, thus, the chances of approval are limited.
What is the price of an American Express card?
American Express Credit Card Variant
Annual Fee
American Express Membership Rewards Credit Card
First Year Fee: Rs.1,000 plus taxes, Second Year: Rs.4,500 plus taxes
American Express SmartEarn Credit Card
First Year Fee: Rs.495 plus taxes, Second Year Fee: Rs.495 plus taxes
MORE RELATED POSTS
