American Express Membership Rewards® Credit Card

No, you can only apply through the official website of American Express®. You are required to fill out an application form and submit it online along with required documents. After this, American Express will verify your details and process credit card request.

Yes, you can withdraw cash using your American Express Membership Rewards® Credit Card. However, a cash advance fee of 3.5% will be charged for withdrawing cash. In addition to this, finance charges will start accruing until you pay off the withdrawn amount in full. Therefore, it is advisable not to withdraw cash using your credit card as it incur high charges.

This credit card lets you earn Membership Rewards Points on your purchases. You can redeem the earned reward points against gift vouchers of top brands by logging in to your rewards account online. All you need to do is select a plan between 18 karat or 24 karat and redeem the reward points against the vouchers.

You must report to the customer care of American Express as soon as you notice the loss of your card. To do so, you can call on the 24-hour cardmember helpline number. Also, if your card is damaged, you can send a request for a replacement card simply by logging in to your American Express account.

You can pay your credit card bill online through the facilities like NEFT and UPI. Apart from this, if you want to pay your bills offline, you are required to send a cheque or draft to the head office of American Express at Gurugram.

Your card may be declined due to several reasons; the most common being insufficient credit limit. If you have enough amount for the purchase and it is still declined, you must contact the customer care of American Express to know the reason for such decline and get it fixed.