Author
LoansJagat Team
Read Time
5 Min
12 Jun 2025
How to Get an American Express Card – Apply Online in Easy Steps
An American Express card offers exclusive benefits such as rewards, cashback, and travel perks.
Rakesh, a senior software engineer in Bangalore, applied online for the American Express Platinum Travel Card to enjoy travel-related perks. He had a decent annual income and a good credit score, so he got approval quickly.
Here’s a breakdown of the potential expenses and rewards Rakesh expected after receiving his American Express card:
Category | Amount (₹) | Details |
Annual Fee | ₹5,000 | Waived if spending exceeds ₹1,50,000 |
Welcome Bonus | ₹5,000 | Earn points on the first transaction |
Points Earned per ₹100 | 3 Membership Points | Earn points for every ₹100 spent |
Lounge Access Fee | ₹2,000 per visit | Exclusive access at select airports |
Rakesh now shares his experience on how to get an American Express card, guiding others on its benefits and rewards structure.
Benefits of the American Express Card
An American Express card is not just a credit card; it offers a range of premium services that make it a top choice for many. Take the example of Raj, an entrepreneur based in Bangalore. Raj travels frequently for business and enjoys dining out at high-end restaurants.
Here’s how Raj benefits from his American Express card:
Feature | Description | Raj's Experience |
Premium Service | 24/7 customer support via phone, email, text, or mail | Raj feels secure knowing help is always available. |
Security | Advanced fraud protection systems to safeguard accounts | Raj never worries about fraudulent transactions while travelling. |
AMEX Offers | Exclusive offers on travel, dining, lodging, and more | Raj enjoys discounts on flights and restaurant bills in India and abroad. |
Raj’s experience highlights why he recommends learning how to get an American Express card—for its top-tier services and unbeatable benefits. The customer support, security, and AMEX offers have significantly enhanced his lifestyle.
Eligibility Criteria for Getting an American Express Card
To apply for an American Express card, certain eligibility criteria must be met. Let’s take the example of Neha, a senior HR manager in Mumbai. Neha wanted to enjoy the premium benefits of an American Express card, so she researched how to get an American Express card and found the requirements.
Here’s a breakdown of the eligibility requirements for an American Express card:
Eligibility Factor | Requirement | Neha’s Profile |
Minimum Age | 18 years or older | 32 years |
Residence | Current/Permanent residence in India | Mumbai, India |
Minimum Income | Salaried: ₹4.5 Lakhs+ annual income; Self-employed: ₹6 Lakhs+ annual income | ₹6,50,000 (Salaried) |
Credit History | No payment defaults | |
Banking Requirements | Savings or current account with an Indian or multinational bank |
Neha’s profile matched the eligibility criteria, so she proceeded with her application. After learning how to get an American Express card, she successfully received approval and is now enjoying the benefits. For others looking to apply, understanding how to get an American Express card is key to ensuring eligibility and maximising the chances of approval.
How to Get an American Express Card Online?
Step 1: Visit the official website of American Express.
Step 2: In the navbar, you will see an option for “Cards.” Click on that. After clicking on that on the left-hand side, you will see an option of “View all cards.” Click on that.
Step 3: Scroll down and read about all the cards by clicking on the “Learn more” button, and after reading, compare the benefits of these cards and apply for your preferred card.
Step 4: After applying, you will get your desired card if you're eligible.
Common reasons for American Express card rejection
Reason for Rejection | Explanation | What to Do Next |
Your credit score may be below Amex's minimum requirement. | Check your credit report, pay off existing debts, and apply again after 3–6 months. | |
Limited Credit History | You may not have a long enough history of borrowing or repaying credit. | Start with a basic credit card or secured card to build history before reapplying. |
High Debt-to-Income Ratio | Your current debts may be too high relative to your income. | Pay down existing loans and credit card balances to improve your ratio. |
Incomplete or Incorrect Application | Missing or wrong information can lead to auto-rejection. | Double-check all details and reapply with accurate documents. |
Unstable Employment or Low Income | Irregular income or employment may not meet the card’s minimum requirements. | Consider applying for a card with lower income criteria or show alternative income. |
Too Many Recent Applications | Applying for multiple cards in a short period can flag you as high-risk. | Wait at least 3–6 months before reapplying and limit new credit requests. |
Not Meeting Specific Card Criteria | Some cards have strict eligibility (e.g., platinum cards require high income). | Apply for a more basic Amex card and upgrade later as your profile improves. |
Address or Identity Verification Failed | Issues with verifying your address or identity documents. | Re-submit updated KYC documents and ensure they match official records. |
Conclusion
Getting an American Express card is a straightforward process if you understand your financial profile and choose the right card for your needs. Start by checking your credit score, comparing available Amex options, and preparing the necessary documents. Whether you're seeking rewards, travel perks, or premium benefits, Amex offers a wide range of cards tailored to different lifestyles and spending habits.
If your application is not approved, don’t be discouraged—review the reasons, improve your financial standing, and try again with a better fit. With the right preparation and a little patience, you'll be well on your way to enjoying the exclusive benefits that come with being an American Express cardholder.
FAQ’s
1. How can I apply for an American Express card?
You can apply online through the official Amex website or in person via partner banks by providing your personal, financial, and identity details.
2. What is the minimum credit score required?
Most Amex cards require a credit score of 700 or higher, though some entry-level cards may accept slightly lower scores.
3. Can I get an Amex card without a credit history?
It's difficult, but possible with secured or co-branded entry-level cards. A stable income and good financial habits can help.
4. How long does it take to get approved?
Approval can be instant or take up to 7 business days, depending on document verification and credit assessment.
5. What if my application is rejected?
Review the rejection reason, improve your credit profile, and reapply after 3–6 months with the correct documentation.
About the Author
LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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