Best American Express Credit Cards of February 2025

By

Credofly

Updated:

The American Express Credit Cards have earned high marks thanks to their stellar rewards and perks. Amex offers a card for almost every type of spender, including credit cards for beginners, casual travelers, road warriors and always-on-the-go business travelers. Whether you’re looking for global airport lounge access, generous cash back in specific categories or premium access to events, Amex has a card to fit your needs.

Credofly’s experts have compiled an in-depth list of the best American Express Credit Cards, including several that don’t have an annual fee, based on our personal experiences. Check out the picks below to see how they stack up against each other and choose which is right for you.

American Express Platinum Travel Card

securely on American Express’s website
Travel in Style. Reward in Style.

American Express Platinum Travel Credit Card

Card Type
Travel and Rewards
Best Suited For
Travel Rewards
Joining Fee
Rs. 5000 + GST
Annual Fee
Rs. 5000 + GST

The American Express Platinum Travel Credit Card is an excellent choice for those who can leverage its travel benefits, especially if they travel internationally often or stay at luxury hotels like the Taj. However, its value is maximized only by those who can meet the spending thresholds for additional rewards and perks. If you’re not a frequent traveler or can’t justify the annual fee through benefits, you might look at other cards offering similar luxuries with more flexible reward structures or lower fees.

Here are compelling reasons why someone might want to get the American Express Platinum Travel Credit Card in India:

1. High Reward Rate for Travel:

3X Rewards on Amex Reward Multiplier: This feature allows you to earn three times the usual Membership Rewards Points (MRPs) on travel-related spending through their platform, making it highly lucrative for frequent travelers.
2. No Foreign Transaction Fee:
Save on International Purchases: With no forex markup, you save on every international transaction, whether you’re traveling or shopping online from international merchants.
3. Exclusive Travel Perks:
Lounge Access: 8 complimentary domestic lounge visits per year and a complimentary Priority Pass membership for international lounge access can significantly enhance your travel experience.
Taj Voucher: A ₹10,000 voucher for Taj hotels upon reaching ₹4 lakh in annual spend, offering luxury accommodations at a discount.
4. Attractive Milestone Bonuses:
15,000 MRPs at ₹1.9 Lakh: An extra boost to your points for a relatively achievable spend.
25,000 MRPs + Taj Voucher at ₹4 Lakh: If you can leverage this spending, the reward is substantial, especially for luxury travel enthusiasts.
5. Welcome Bonus:
10,000 MRPs: Easy to achieve by spending ₹15,000 within 90 days of card activation, providing an immediate boost to your rewards.
6. Flexibility in Rewards Redemption:
Versatile Redemption Options: Points can be used for flights, hotels, vouchers, or transferred to various airline and hotel loyalty programs, potentially increasing their value.
7. Dining Benefits:
Restaurant Discounts: Up to 20% off at select restaurants adds value if you dine out often, enhancing your lifestyle perks.
8. Premium Card Status:
Luxury and Prestige: Owning an American Express Platinum card carries a certain status, with the card often made from metal, emphasizing its premium nature.
9. Comprehensive Travel Insurance:
Peace of Mind: While specifics can vary, the card typically includes travel insurance benefits like air accident coverage, which can be an additional layer of security for travelers.
10. Customer Service:
High-Quality Support: American Express is known for its customer service, which can be particularly beneficial if you encounter issues while traveling or with card usage.
11. Strategic Spending Benefits:
Maximize High-Value Purchases: With a good strategy, you can use the card for high-value purchases where the rewards outweigh the annual fee or interest costs if managed well.
12. Synergy with Lifestyle:
If You Already Travel Luxuriously: If your lifestyle naturally aligns with luxury travel, dining, and shopping, this card complements those habits by offering rewards and benefits that enhance your experiences.
Considerations:
High Annual Fee: At ₹5,000 + GST without a waiver, the card’s value needs to be justified through its benefits.
Spending Thresholds: To get the most out of the card, you’ll need to reach certain spending levels, which might not suit everyone.
Acceptance: In some areas, Amex might not be as widely accepted as other card networks, though this is improving.
If your spending habits and lifestyle match the card’s rewards structure, the American Express Platinum Travel Credit Card could be a valuable addition to your wallet, offering significant savings and perks in travel and luxury experiences.

The American Express Platinum Travel Credit Card is an excellent choice for those who can leverage its travel benefits, especially if they travel internationally often or stay at luxury hotels like the Taj. However, its value is maximized only by those who can meet the spending thresholds for additional rewards and perks. If you’re not a frequent traveler or can’t justify the annual fee through benefits, you might look at other cards offering similar luxuries with more flexible reward structures or lower fees.

Here are compelling reasons why someone might want to get the American Express Platinum Travel Credit Card in India:

1. High Reward Rate for Travel:

3X Rewards on Amex Reward Multiplier: This feature allows you to earn three times the usual Membership Rewards Points (MRPs) on travel-related spending through their platform, making it highly lucrative for frequent travelers.
2. No Foreign Transaction Fee:
Save on International Purchases: With no forex markup, you save on every international transaction, whether you’re traveling or shopping online from international merchants.
3. Exclusive Travel Perks:
Lounge Access: 8 complimentary domestic lounge visits per year and a complimentary Priority Pass membership for international lounge access can significantly enhance your travel experience.
Taj Voucher: A ₹10,000 voucher for Taj hotels upon reaching ₹4 lakh in annual spend, offering luxury accommodations at a discount.
4. Attractive Milestone Bonuses:
15,000 MRPs at ₹1.9 Lakh: An extra boost to your points for a relatively achievable spend.
25,000 MRPs + Taj Voucher at ₹4 Lakh: If you can leverage this spending, the reward is substantial, especially for luxury travel enthusiasts.
5. Welcome Bonus:
10,000 MRPs: Easy to achieve by spending ₹15,000 within 90 days of card activation, providing an immediate boost to your rewards.
6. Flexibility in Rewards Redemption:
Versatile Redemption Options: Points can be used for flights, hotels, vouchers, or transferred to various airline and hotel loyalty programs, potentially increasing their value.
7. Dining Benefits:
Restaurant Discounts: Up to 20% off at select restaurants adds value if you dine out often, enhancing your lifestyle perks.
8. Premium Card Status:
Luxury and Prestige: Owning an American Express Platinum card carries a certain status, with the card often made from metal, emphasizing its premium nature.
9. Comprehensive Travel Insurance:
Peace of Mind: While specifics can vary, the card typically includes travel insurance benefits like air accident coverage, which can be an additional layer of security for travelers.
10. Customer Service:
High-Quality Support: American Express is known for its customer service, which can be particularly beneficial if you encounter issues while traveling or with card usage.
11. Strategic Spending Benefits:
Maximize High-Value Purchases: With a good strategy, you can use the card for high-value purchases where the rewards outweigh the annual fee or interest costs if managed well.
12. Synergy with Lifestyle:
If You Already Travel Luxuriously: If your lifestyle naturally aligns with luxury travel, dining, and shopping, this card complements those habits by offering rewards and benefits that enhance your experiences.
Considerations:
High Annual Fee: At ₹5,000 + GST without a waiver, the card’s value needs to be justified through its benefits.
Spending Thresholds: To get the most out of the card, you’ll need to reach certain spending levels, which might not suit everyone.
Acceptance: In some areas, Amex might not be as widely accepted as other card networks, though this is improving.
If your spending habits and lifestyle match the card’s rewards structure, the American Express Platinum Travel Credit Card could be a valuable addition to your wallet, offering significant savings and perks in travel and luxury experiences.


As the name suggests, it is a premium travel credit card by American Express Credit Cards. This card earns you 1 Membership Rewards Point for every Rs. 50 you spend using the card and comes with a plethora of benefits including (limited) complimentary domestic airport lounge access, Priority Pass membership, discount on movie tickets, and dining benefits. Since it is a travel card, you get a Taj Stay voucher (worth Rs. 10,000) as a special travel benefit on spending Rs. 4 lacs in the card’s membership year.

American Express Membership Rewards Credit Card

securely on American Express's website
The premium lifestyle card

American Express Membership Rewards Credit Card

Card Type
Travel and Rewards
Best Suited For
Travel Rewards
Joining Fee
Rs. 1000 + GST
Annual Fee
Rs. 1500 + GST

Coming Soon!

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It is a mid-level card by AmEx and offers you a decent reward rate. As a welcome gift of 4,000 Membership Rewards points; you earn 1 Membership Rewards Point per Rs. 50 spent using the card. Also get many milestone benefits and other benefits like zero liability protection, fuel surcharge waiver, etc.

American Express Gold Charge Card

securely on American Express's website
The premium lifestyle card

American Express Gold Charge Card

Card Type
Travel and Rewards
Best Suited For
GIft Vouchers | Travel
Joining Fee
Rs. 4500 + GST
Annual Fee
Rs. 4500 + GST

Coming Soon!

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It is another Charge card offered by American Express. This card gives the choice to choose between the annual and the monthly membership plan. The membership fee of the Gold Card is Rs. 4,500 per annum. The reward points benefits that you get with this card are as follows-

  • 1 Membership Rewards Point for every Rs. 50 spent with the card.
  • No Membership Reward Points are earned on insurance premium payments and cash transactions.
  • You also earn 1 Membership Rewards Points for every Rs. 50 spent on utilities and fuel. The Membership Rewards Points earned on utilities and fuel are capped at 10,000 and 5,000 Points, respectively.
  • You earn 5X Membership Rewards Points on every purchase through the Rewards Multiplier portal.

Apart from these benefits, you get many other premium privileges, including travel, movie and dining, with the American Express Gold Charge Card.

American Express Platinum Reserve Credit Card

securely on American Express's website
The premium lifestyle card

American Express Platinum Reserve Credit Card

Card Type
Travel and Rewards
Best Suited For
Travel Rewards
Joining Fee
Rs. 5000 + GST
Annual Fee
Rs. 10000 + GST

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The Platinum Reserve card is also a premium offering by AmEx. The membership fee of this card is Rs. 10,000 per annum (joining fee of Rs. 5,000) and it comes with a welcome gift of 11,000 Bonus Membership Rewards Points. The card earns you a flat 1 Membership Rewards Point on every Rs. 50 spent with the card (excluding for fuel purchases and spends on utilities, insurance, and EMI transactions). Apart from the Membership Rewards Points, you get a plethora of other premium benefits including a 24×7 concierge service, golf privileges, complimentary domestic and international lounge access, personal air accident cover worth Rs. 1 crore, etc.

American Express Platinum Charge Card

securely on American Express's website
The super premium lifestyle card

American Express Platinum Charge Card

Card Type
Travel and Rewards
Best Suited For
Lifestyle | Travel
Joining Fee
Rs. 60000 + GST
Annual Fee
Rs. 60000 + GST

Coming Soon!

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AmEx Platinum credit card is the most premium card by AmEx. It is a Charge card, therefore there is no preset credit limit. The card comes with a hefty annual membership fee of Rs. 60,000 and earns you-

  • 1 Membership Rewards Point per Rs. 40 you spend with the card.
  • 3X Membership Rewards Points for transactions made internationally.
  • 5X Membership RPs on transactions made on the Rewards Multiplier portal.

Being a premium card, it offers a plethora of travel, movie, dining, and insurance benefits, including unlimited access to domestic and international airport lounges, discounts on movie tickets and at partner restaurants, and personal air accident cover worth Rs. 5 crores.

American Express Smart Earn Credit Card

securely on American Express's website
The Basic Amex Credit Card

American Express® SmartEarn™ Credit Card

Card Type
Cashback
Best Suited For
Cashback
Joining Fee
Rs. 500 + GST
Annual Fee
Rs. 500 + GST

Coming Soon!

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The SmartEarn card is an entry-level shopping credit card by AmEx. It comes with a nominal annual fee of Rs. 495 per annum, and you get Rs. 500 cashback as a Welcome Benefit on eligible spends of Rs. 10,000 in the first 90 days of the card membership.

American Express Credit Cards are eligible for people with income greater than 6 lakhs

Apply for your best-suited American Express Credit Card by clicking this link - Apply

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