Best American Express Credit Cards of May 2024

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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

The premium lifestyle card

American Express Platinum Travel Credit Card

Card Type
Travel and Rewards
Best Suited For
Travel Rewards
Joining Fee
Rs. 3500
Annual Fee
Rs. 5000

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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

The premium lifestyle card

American Express Membership Rewards Credit Card

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

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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

The premium lifestyle card

American Express Gold Charge Card

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

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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

The premium lifestyle card

American Express Platinum Reserve Credit Card

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

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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

The super premium lifestyle card

American Express Platinum Charge Card

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

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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

The Basic Amex Credit Card

American Express® SmartEarn™ Credit Card

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

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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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