Key benefits
- Travel vouchers worth ₹7,700 on annual spending of ₹1.9 lakh
- Further vouchers and a Taj stay voucher at ₹4 lakh of annual spending
- 8 complimentary domestic lounge visits a year
- Membership Rewards points transferable to airline partners
Fees and charges
| Joining fee | ₹3,500 + GST |
| Annual fee | ₹5,000 + GST |
| Interest rate | 3.5% per month (42% p.a.) |
| Foreign markup | 3.5% |
| Acceptance | Lower than Visa and Mastercard at small merchants |
Eligibility
- Salaried or self-employed aged 18 or above
- Annual income above ₹6 lakh
- Credit score above 750, no payment defaults
Who it suits
The milestone vouchers are worth far more than the fee if you reliably hit the spending thresholds.
Watch out for
Value depends entirely on reaching milestones, and acceptance is narrower than Visa or Mastercard.
Fees and reward rates shown are indicative and set entirely by American Express. They change without notice — confirm the current terms on the issuer's own page before you apply.