American Express Credit Cards 2025
Explore all credit cards from American Express. 9 cards ranked by our experts.
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American Express Platinum
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on American Express's website
Annual fee
₹60,000
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
₹60,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹1900000
- Unlimited international lounge access
- Unlimited domestic lounge access
- Comprehensive insurance coverage up to ₹11 crore
- Complimentary golf privileges
- Spa and wellness benefits
Cons
- High annual fee of ₹60000 may not suit everyone
- Significant joining fee of ₹60000
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹150K per month
Best for: Ultra-premium lifestyle, travel concierge, exclusive access
American Express Platinum Charge
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on American Express's website
Annual fee
₹60,000
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
₹60,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lifestyle, Lounge Access, Premium, Travel
CardNitty's take
Pros
- Exceptional travel benefits, Centurion lounge access, hotel elite status, concierge
Cons
- Highest fee in market, charge card not credit card, limited acceptance
American Express Centurion
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on American Express's website
Annual fee
₹2,50,000
Rewards rate
₹2.00/₹100
Joining fee
₹8,00,000
Interest rate
N/A
Card details
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Unlimited international lounge access
- Comprehensive insurance coverage up to ₹15 crore
- Complimentary golf privileges
- Spa and wellness benefits
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹250000 may not suit everyone
- Significant joining fee of ₹800000
- High income requirement of ₹1000K per month
- Invite-only card - not available for direct application
American Express MRCC
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on American Express's website
Annual fee
₹1,000
Rewards rate
₹1.00/₹100
Joining fee
₹1,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Amex enthusiasts wanting lifetime-free Membership Rewards credit card
American Express Membership Rewards
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on American Express's website
Annual fee
₹4,500
Rewards rate
₹1.00 - ₹2.00/₹100
Joining fee
₹1,000
Interest rate
N/A
Card details
Forex Markup
3.50%
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Good insurance coverage up to ₹50 lakh
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
American Express Platinum Reserve
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on American Express's website
Annual fee
₹5,000
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
₹5,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Dining, Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Comprehensive insurance coverage up to ₹1 crore
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹5000 may not suit everyone
- Significant joining fee of ₹5000
- Limited lounge access (6 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: Domestic travelers, Taj Hotels users, milestone spenders
American Express Platinum Travel
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on American Express's website
Annual fee
₹5,000
Rewards rate
₹1.00/₹100
Joining fee
₹5,000
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- 10K welcome points. 8 domestic lounge visits. Priority Pass. Taj voucher Rs 10K on Rs 4L spend. Points never expire
Cons
- Rs 5,900 fee not waivable. Limited Amex acceptance. Intl lounge costs USD 35
Best for: Entry-level Amex users seeking high rewards on online shopping
American Express SmartEarn
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on American Express's website
Annual fee
₹495
Rewards rate
₹0.50 - ₹5.00/₹100
Joining fee
₹495
Interest rate
N/A
Card details
Forex Markup
3.50%
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹495
- Annual fee waiver on spending ₹40000
- Good reward rate of up to ₹5.00 per ₹100
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹360K per month
Best for: Lifestyle enthusiasts seeking premium Amex benefits at affordable annual fee
American Express Gold Charge Card
APPLY NOW
on American Express's website
Annual fee
₹4,500
Rewards rate
₹1.00/₹100
Joining fee
₹1,000
Interest rate
N/A
Card details
Forex Markup
3.50%
Categories Lifestyle, Premium
CardNitty's take
Pros
- Good insurance coverage up to ₹50 lakh
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹600K per month
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