Hii there, I’ve been comparing card features lately and after using an AmEx card for a few months for dining and travel rewards, I realised it helps to know the core product lineup before picking one that fits my spending. Could someone from the finanjo community list down the core American Express credit cards available in India so I can quickly see which category matches my spending style?
Hey, over the past few months of comparing credit cards for travel, lifestyle, and online rewards, I found American Express cards surprisingly well-structured—each designed for a different spending style. Here’s a clear side-by-side column view that helped me understand their core lineup better:
If your spending is mostly online and budget-friendly, SmartEarn or Membership Rewards works best. But if you love travel or upscale dining, the Platinum Travel or Platinum Card gives unmatched lifestyle value.
Core American Express Credit Cards in India:
| Card Names: | Type & Category: | Annual Fee: |
|---|---|---|
| American Express SmartEarn | Entry-Level / Cashback | ₹495 + taxes |
| American Express Membership Rewards Credit Card | Rewards | ₹1,000 (1st yr); ₹4,500 (from 2nd yr) |
| American Express Gold Card | Charge / Rewards | ₹5,000–₹6,000 |
| American Express Platinum Travel Credit Card | Travel / Lifestyle | ₹5,000 + taxes |
| American Express Platinum ReserveSM Credit Card | Premium / Lifestyle | ₹10,000 + taxes |