1. Premium Credit Cards and Charge Cards

The premium credit cards and charge cards are perfect for people who like finer things in life. These cards are designed to complement and improve your lifestyle and provide you exclusive travel privileges, faster rewards and personalised services.

These cards offer you the following benefits:

• Complimentary access to the premium lounges at airports.

• Elite benefits at the finest hotels whenever you travel.

• Exclusive benefits for health and wellness.

• Personalised services with the Platinum concierge, Platinum Travel Services, Global Assist and many more.

1. Travel Credit Cards

The travel credit cards are ideal for people who love to travel. These cards come with different complimentary travel and accelerated benefits.

You collect Membership Reward Points whenever you use your American Express Travel Rewards Card. Moreover, redemption of these points are very easy as there are over 600 redemption choices to choose from, which includes leading Airlines and Hotels.

These cards offer you the following benefits:

• Platinum services.

• Complimentary flights in some of the leading airlines.

• Complimentary access to the premium lounges at airports.

• Exclusive accommodation benefits.

1. Rewards Cards

The reward cards provide you extraordinary customer services, financial flexibility, and improved security. These cards not only provide you with the essentials but also with a lot of extra benefits.

The wide-ranging Membership Rewards program lets you choose from hundreds of service providers.

These cards offer you the following benefits:

• Bonuses on signing up to get your Reward points started.

• Reward points on almost all purchases made with the card.

• Redemption from over 500 options.

Eligibility Criteria

Now that you know about the different American Express cards, you also need to know their eligibility criteria.

In order to be eligible to apply for an American Express Card:

• you should be above 18 years in age

• you should not have a history of bad debt

• you need to have a permanent Indian Home Address

• you need to have savings or current account in an Indian or multinational company in India

• In case you are self-employed, you should have been trading for at least 18 months.

Application Procedure

Once you have found the right card for yourself, you should follow the below steps to apply for an American Express Card:

• Visit the website www.americanexpress.com and select the ‘Apply Now’ option displayed

• Check your eligibility, and additional specific criteria (if any)

• Read all the important information related to the card

• Then fill in the personal and financial information asked for.

• After filling up the form, you can review it once and check if there are any mistakes.

• When the reviewing is done, submit the form in order to begin the application procedure.

Moreover, after you are done with these, you can also go for optional additional benefits and decide how you would like your name on the card.

Application Status

After the application procedure is over, you can check the status of your American Express Card application form the website americanexpressindia.co.in/apptracker. All you need to have is the registered mobile number and your 14 digit application reference number.

In order to check your application status, you need to follow the following steps:

• Visit the website mentioned above.

• Enter your social security number and home zip code used on the application.

• You will now be able to see the list of application(s) submitted recently and with every application, you will find a status and a note.

The possible statuses that can be displayed are ‘Approved’, ‘In progress’, ‘Declined’ or ‘Cancelled’.

If the status shows ‘Approved’ it means all the procedures of your card are completed and it is ready to use (after confirming), however, ‘In Progress’ means you need to wait for your card or letter for further information.

Americanexpress.com/Confirm – Part of growing up is managing money and banking. If you are a first-timer, you might be eligible to apply for a credit card, but the entire process of doing it can be very confusing. Adding on to the confusion is different people advising on numerous banks and credit card offers. But, it is also important that you have a deeper knowledge of basic baking, types of credit cards, interest rates and more. So, it is suggested that you conduct your own research. While doing so, you’ll realize that one of the leading credit card company companies in the world is AMEX Credit Card.

Applying For A Credit Card

Before you apply for a credit card, you’ll have to do a bit of research. The focus of the research should revolve around your expense habits, reasons why you would need a credit card? How will you use the credit card? Will you be able to repay credit card bills? And more such questions. When you have deducted the answers to these questions, you’ll be able to choose a credit card that fits right into your requirement. Also, if you are planning to use the credit card on a regular basis, go for a high-interest rate, high benefits scheme. But, if you are not going to use the card so often, you can choose a low-interest rate card with little offers but best for emergencies.

Why is it important to read the instructions? On your path to discovering various kinds of cards and their offers, you’ll be presented with various instructions. These will include information about offers on the credit card, annual charges, internet rates, eligibility and more. These details can be very useful while using your credit card. So, sound knowledge about all the information regarding the card you choose is essential.

Credit Card Application – The process for applying for a credit card is fairly simple and can be done through various means, the best being online. You can simply go online on the website of a credit card company, on the homepage you’ll be able to find various credit card types and their offers. Spend some time reading details on each of these cards. After you have read everything about it, you can simply apply for one. You’ll also be able to find details about your eligibility on the website. Bank always has a eligibility criteria. The basic criteria are to have a good credit score, be above the age of 18,a a legal resident of the country among other details. Banks always prefer an individual or a business who they find eligible. After you have applied for a card, you need to wait for a few weeks to receive it on your mail.

So, if you are planning to get yourself a new credit card. Do extensive research on the various credit cards present in the market currently. It is always suggested to go with a company who has a good history and excellent customer service.

What seemed an endless ladder is now a few steps. One of the leading credit card provides in the world, American Express or popularly known as AMEX has made applying credit cards easy. How? Though simple online steps. All you do is, go to their official website, browse through various credit cards and their offers, once you have zeroed in on one card, apply for it, you will receive a confirmation call soon and within a few days, the card will be at your door stores. But before you do that there are two major pointers you need to consider. First is your eligibility, in order to apply for an AMEX card you have to be eligible and second is a deep understanding of the offers, interstate rates, annual charges and more of the credit card you chose. Let’s look at the detailed steps you can take to apply for a card.

AMEX Credit Card – APPLYING PROCESS:

When you go into applying for a credit card at American Express, you’ll be presented with an application form. The form has to be filled accurately and correctly. The form will require you to enter details about your personal and financial status. This can include your name, address, income profs and more. The form should come in the mail from American Express, you should be able to fill and send it across to them on the same email ID.

If you don’t receive a mail from American Express, the next best thing to do is visit American Express’s official website. This requires a little knowledge of computer operations and a good internet connection. Follow these steps to apply for an AMEX credit card online.

• Once you are on the homepage of the website, you should be able to find an option that says “Get Started”, click on the same.

• You’ll be a label to see various credit cards and their offers here.

• Choose the one that best suits your requirement and click on “Apply Now”.

• Complete the form and your job there will be done.

If not online, you can also choose to get in touch with American Express through their customer support number i.e 1-800-223-2670 (U.S.). The customer care officer will be able to help you with the application and guide your way through the best credit card offers for you.

ACTIVATION OF AMERICAN EXPRESS CARD:

After the above steps are complete and you have received approval, your card should be at your door stores within 7 to 10 working days. After you have received your card, the next most important thing to do is to activate your card. For which you can speak to the customer care or go online on their website. Follow the instructions mentioned on the website or follow the guidelines provided by the customer care officer to unlock your card.

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