1. Please click here for the detailed terms & conditions.
2. Please note that you do not earn PAYBACK Points on your spending on fuel, insurance, utility (electricity, water and gas) payments and Cash Transactions. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility includes service providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.
3. On your MakeMyTrip transactions, over and above the standard earn rate of 2 PAYBACK Points per Rs. 100 spent, you also earn 1 PAYBACK Point per Rs. 100 spent on all flight bookings, 2 PAYBACK Points per Rs. 100 spent on all holidays and flights + hotel combo bookings and 3 PAYBACK Points per Rs. 100 spent on all hotel bookings
   
   For earning incremental PAYBACK points (over and above the PAYBACK points earned through card spending) at MakeMyTrip, you have to opt in/activate your account with MakeMyTrip by logging onto the MakeMyTrip website via your registered email ID (with MakeMyTrip), within 90 days from incurring the transaction at MakeMyTrip. This is just a one-time activity.
4. Click here for spend linked MakeMyTrip voucher terms and conditions.
5. For domestic flights, 5% cashback is applicable only on return flights and is capped at Rs. 500. For International flights, 5% cashback will apply only on base fare and is capped at Rs. 3,000.  For all other travel categories, 5% cashback is capped at Rs 3,000  (For Domestic and International Holiday booking, the 5% cashback will be calculated on the non-air component of the holiday package and will not be applicable on airfares and taxes). 5% cashback is restricted to 2 transactions on each travel category per month. Travel categories are flights, hotels, holidays and flight + hotels. Bus, Bus plus hotel, Rail and Car bookings are not eligible for 5% cashback.

For detailed Terms and Conditions, please Click here.

1. With effect from 20th October 2014, you will no longer earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.

1. Welcome Gift is available only in the first year of card membership on payment of annual fee and on spending INR 30,000 within 90 days of Cardmembership.
2. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.
   Effective March 15, 2020, you will not earn Membership Rewards Points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you will continue to earn Membership Rewards^® Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.
3. Cardmember/accompanied guest has to pay a usage fee of US$ 32 for every visit

1. Welcome gift is available only in the first year on payment of the annual fees and on spending INR 5,000 in 60 days of Cardmembership. Effective 1st May 2021, Welcome gift will be given only in the first year on payment of the annual fees and on spending INR 15,000 in 90 days of Cardmembership.
2. For Travel booking Terms and Conditions, Click here
3. These benefits are over and above the benefits you get on spending Rs.1.9 lacs in a year
4. For Taj stay voucher Terms and Conditions, Click here
5. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.
   The Membership Rewards Points on your American Express Platinum Travel Credit Card that have been accrued in any particular enrolment year and have not yet been redeemed can be carried over for up to three further enrolment years. Points not redeemed by the end of the third enrolment year will expire. For example, if your enrolment date is 15th Jan 2017, then the first enrolment year is 15th Jan 2017 to 14th Jan 2018. Any points earned in this enrolment year will expire on 15th Jan 2021.
   Effective March 15, 2020, you will not earn Membership Rewards Points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you will continue to earn Membership Rewards Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.
6. To view all offers, Click here
7. Cardmember/accompanied guest has to pay a usage fee of US$ 32 for every visit
8. For Flipkart Voucher Terms & Conditions, Click here
9. For OnePlus benefit Terms and Conditions, Click here
10. ^Membership Rewards points received on spend milestones is a combination of threshold Membership Reward points and Bonus Membership Rewards points. You will get your threshold Membership Reward points once you achieve the spend milestones however, to claim your Bonus Membership Reward points, please dial the number mentioned at the back of your Card.

1. Welcome Gift is available only in the 1^st year on payment of the annual fee and on spending INR 2,000 within 60 days of Cardmembership. Effective 1^st April 2021, Welcome Gift is available only in the 1^st year on payment of the annual fee and on spending INR 15,000 within first 90 days of Cardmembership.
2. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.
   Effective March 15, 2020, you will not earn Membership Rewards Points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you will continue to earn Membership Rewards Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.

1. With effect from March 1, 2015, you will earn 1 Membership Rewards Points for every Rs. 100 spent on Fuel and you will not earn any Membership Rewards Points on all your spending on insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies(OMCs). Other utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organisations; public housing societies and apartment associations.

1. Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends.
2. For example, for a spend of Rs. 50 on an eligible merchant the Cardmember will get 10 Membership Rewards Points (if merchant is under 10X category) and 5 Membership Rewards Points (if merchant is under 5X category). Under 10X category, 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Uber. Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please visit amex.co/seccrewards. 10X category means Cardmember earns 9 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 45 additional Membership Rewards Points. 5X category means Cardmember earns 4 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 20 additional Membership Rewards Points.
3. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards