Amex Credit Card Bill Payment – Methods, Due Dates & Online Guide

Key Takeaways
 

• You can pay your Amex Credit Card bill through multiple convenient methods.
   
• Setting up autopay for your Amex Credit Card Bill Payment helps you avoid late fees and penalties.
   
• Always pay your Amex Credit Card Bill full balance to prevent interest charges completely.

Paying your American Express credit card bill has never been easier. Multiple payment methods offer convenience and flexibility for cardholders.

Meet Rishi, a 28-year-old software engineer from Mumbai earning ₹80,000 monthly. He recently got his first American Express credit card with a ₹50,000 limit. After spending ₹15,000 in his first month, Rishi was confused about payment options. He explored different methods and now pays his ₹15,000 bill on time every month. 

After exploring different options, Rishi discovered several convenient ways. Now he pays his bills on time every month. He never worries about missing payment deadlines anymore. This comprehensive guide explains all available Amex Credit Card Bill Payment methods.

Amex Credit Card Bill Payment - Online Methods

American Express offers multiple convenient online methods for paying your credit card bill easily and securely. The available online payment methods for Amex Credit Card Bill Payment are:
 

These online payment methods offer flexibility, convenience, and security for settling bills.

Amex Credit Card Bill Payment through Website

You can pay your Amex credit card bill online easily. American Express lets you pay directly from your bank account. You can make payments anytime and from anywhere.

How to Pay Your Bill

Here’s how to pay your American Express bill in simple steps:

Step 1: Visit the American Express bill payment website.

Step 2: You will see a disclaimer message on your screen. Read it carefully. It explains the terms for using the payment site.

Step 3: Click on “I Agree” to continue. This will take you to the payment page.

Step 4: Type in your card information.

Step 5: Type in your bank account information.

Step 6: Select how much you want to pay.

After confirming, you can finish your payment.

Amex Credit Card Bill Payment through Mobile App

You can pay your Amex Credit Card Bill Payment using mobile banking apps. Most major banks offer this convenient payment option. The process is quick and secure through your phone.

Payment Through Different Banking Apps:

a. DBS/POSB Mobile App (Development Bank of Singapore/Post Office Savings Bank)

Log in to your DBS or POSB mobile banking app. On the home screen, select the ‘Pay & Transfer’ option. You will find this in the menu bar. Select the ‘Bills’ icon on the next screen.

Under the ‘Bills’ screen, select the ‘One-time Payment’ tab. Next, select ‘Billing organisation’ from the options. Search for ‘American Express’ in the search bar. Select ‘AMERICAN EXPRESS INTL INC’ from the results.

Enter your 15-digit card number in the field. Select ‘Make A Payment’ at the screen bottom. Choose the bank account for the debit payment. Enter the payment amount you wish to pay. Select the confirmation button to proceed with payment.

b. OCBC Mobile App (Oversea-Chinese Banking Corporation)

Log in to your OCBC mobile banking app. Navigate to the menu drop-down on the screen. Select ‘Pay’ followed by the ‘Bill payment’ option.

Select ‘Billing organisation’ from the menu options. A menu will appear on your screen. Enter 'American Express' in the search bar. Select ‘AMERICAN EXPRESS INTERNATIONAL INC’ from the menu.

Enter your 15-digit card number in the field. Enter the payment amount in the payment field. Swipe the ‘Slide to Submit’ button carefully. This will complete your payment transaction successfully.

c. UOB Mobile App (United Overseas Bank)

Log in to your UOB mobile banking app. On the home screen, select the ‘Pay/Transfer’ icon.

Select ‘Credit card’ from the Type dropdown menu. Select ‘American Express International Inc’ from Bank options. Enter your 15-digit card number in the field. Select ‘Next’ to confirm your payment details.

Mobile banking apps make bill payments simple and fast. You can pay anytime without visiting a branch. Always verify your card details before confirming payments. Keep your transaction reference number for future records.

Amex Credit Card Bill Payment through Net Banking

You can pay your Amex Credit Card Bill Payment using internet banking. Net banking offers a secure way to pay bills. Most major banks support American Express credit card payments.

Payment Through Different Net Banking Platforms:

a. DBS/POSB iBanking (Development Bank of Singapore/Post Office Savings Bank)

Log in to your DBS or POSB internet banking account. On the main page, select ‘Pay Bills and Cards’. You will find this in the top menu bar. Click on ‘Pay Bills’ to proceed further.

Under the ‘More Options’ section, click on ‘Add a Billing Organisation’. Click the drop-down menu under the ‘Billing Organisation’ field. Search for ‘American Express’ in the search box. Select ‘AMERICAN EXPRESS INTL INC’ when found.

Enter your 15-digit card number under the ‘Bill Reference’ field. Select the bank account for the debit payment. This appears under the ‘From Account’ menu option. Click ‘Next’ to verify your details carefully. Enter the payment amount on the next screen.

b. OCBC iBanking (Oversea-Chinese Banking Corporation)

Log in to your OCBC internet banking account. On the main page, select ‘Payments & transfers’. Click on ‘Pay bills’ from the menu options.

Under the ‘Pay bills’ left menu bar, click on ‘Single bill payment’. Click on the drop-down menu under section ‘1. Pay the billing organisation’. Select ‘AMERICAN EXPRESS INTL INC’ from the menu.

Enter your 15-digit card number under ‘Bill Reference No’. Enter your payment amount in section ‘2. Payment details’. Select the bank account for the debit payment. This appears under the ‘Pay from’ drop-down menu. Click ‘Next’ to verify your details and confirm.

c. UOB iBanking (United Overseas Bank)

Log in to your UOB internet banking account. On the home page, select ‘Pay and Transfer’. Click on ‘Pay Bills’ from the left menu bar.

Select the ‘My Bills’ tab from the options. Click on the ‘Add new payee here’ button. Select ‘American Express International Inc’ in the ‘Billing Organisation’ field. This appears in the drop-down menu options.

Enter your 15-digit card number under ‘Bill Reference No.’ Click ‘Submit’ to save the payee details.

Enter your payment amount in the required field. Select the bank account for the debit payment. This appears under the ‘Select Account’ drop-down menu. Click ‘Continue’ to verify your details and confirm.

Net banking makes credit card payments quick and easy. You can manage payments from your computer anytime. Always double-check your card number before submitting payments. Save your transaction receipt for future reference purposes.

Amex Credit Card Bill Payment through UPI

You can pay your Amex Credit Card Bill Payment using UPI. UPI (Unified Payments Interface) offers an instant payment facility. This method is quick, secure, and very convenient.

How to Pay Using UPI:

Suppose, your American Express UPI VPA is AEBC3XXXXXXXXXXXXXX@SC. Ensure you enter your complete 15-digit card number. Your card number must begin with 37 or 34. You can pay directly from your UPI app.

Alternatively, open your American Express app on your phone. Tap on the ‘Make payment’ option from the menu. Enter your complete 15-digit card number carefully. Your card number must begin with 37 or 34. Enter the payment amount you wish to pay. Click on ‘Proceed’ to continue the payment.

Select UPI as your preferred payment method. Choose your preferred UPI app from the list. The payment screen will open on your UPI app. Click on the ‘Send’ or ‘Proceed’ button to continue. Enter your UPI PIN to authorise the payment.

You will receive payment confirmation on the UPI app. The confirmation will also appear on the Amex app.

Weekends include Saturdays and Sundays as working days. However, bank holidays are not included in weekends. The Reserve Bank of India notifies these holidays.

Bonus Tip: Do you know if you initiate your payment before 5:00 p.m., the amount can get credited to your account the very next day, excluding Sundays and banking holidays.

Amex Credit Card Bill Payment through NEFT/RTGS

You can pay your Amex Credit Card Bill Payment through NEFT/RTGS. NEFT (National Electronic Funds Transfer) enables next-day bill settlement. RTGS (Real Time Gross Settlement) processes payments instantly. IMPS (Immediate Payment Service) also offers quick payment options.

You must register your card as a payee first. Fill in the following details whilst registering the payee:
 

• Payee Name: American Express
   
• Payee Account Number: 3XXXXXXXXXXXXXX (enter your complete 15-digit card number). Your card number must begin with 37 or 34.
   
• Bank Name: Standard Chartered Bank
   
• Payee Account Type: Current
   
• IFSC Code: SCBL0036020
   
• Branch Address: Standard Chartered Bank, Narain Manzil. The address is 23 Barakhamba Road, New Delhi 110001.
   

If you use Standard Chartered Online Banking, note this. The IFSC code is not required for SCB customers. You may select ‘Transfer to another SCB bank account’. This option will process your payment successfully.

NEFT/RTGS/IMPS transfers ensure secure and reliable Amex bill payments.

Tips for Hassle-Free Amex Credit Card Bill Payment

Follow these simple tips for smooth Amex Credit Card Bill Payment and avoid late fees while keeping your account in good standing. Essential Tips for Easy Payment:
 

• Set Up Text or Email Alerts: Set up text or email alerts to remind you when payments are due.
   
• Use AutoPay for Your Bills: Setting up automatic payments prevents missed deadlines and late fees.
   
• Pay Your Bill Early: Paying your credit card bill early helps lower your credit utilisation rate.
   
• Pay Your Full Balance Each Month: Always try to pay your full balance to avoid interest charges.
   
• Check Your Payments Regularly: Monitor your payment transactions regularly to verify they process correctly.
   

Following these tips ensures timely payments and maintains excellent credit health.

Conclusion

Managing your Amex Credit Card Bill Payment becomes effortless with multiple payment options. Choose from online banking, mobile apps, UPI, or NEFT/RTGS methods. 

Set up autopay and reminders to never miss deadlines. Pay your full balance on time to avoid interest charges and maintain excellent credit health.

FAQs
 

Q1: Can I change my Amex Credit Card Bill Payment due date?

Yes, you can change your payment due date online. Log in to your account or use the Amex App. Select your preferred date and submit the request easily.

Q2: What happens if my Amex Credit Card Bill Payment fails?

Contact American Express immediately if your payment fails. Check your bank account for sufficient funds available. Retry the payment before your due date arrives.

Q3: What is the minimum payment amount for my Amex Credit Card? 

The minimum payment is usually 5% of your total outstanding balance.

Q4: Will I earn reward points on Amex Credit Card Bill Payment? 

No, you do not earn reward points when paying your Amex Credit Card Bill.

 

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.