cards / credit / american express / amex-payback-credit-card
AMEX
3742 •••• •••• ••••
YOUR NAME HERE
AMERICAN EXPRESS
↑ Your name appears embossed when you sign in.
§ BENEFITS
rewards
3X PAYBACK Points at Partner Brands
Earn 3X PAYBACK points when shopping at PAYBACK partner brands including Big Bazaar, HP, ICICI, and more
3X PAYBACK points
rewards
1X PAYBACK Points on Other Spends
Earn 1 PAYBACK point per ₹100 on all other retail purchases
1 PAYBACK pt per ₹100
fuel
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹2,50,000
- Min monthly salary
- ₹20,000
- Age
- 21 – 65
- Min credit score
- 650
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹495
- Annual fee
- ₹495
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 3.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹200
- Networks
- All
§ LIMITS
- ATM / day
- ₹25,000
- POS + e-com / day
- ₹1,50,000
- Contactless / txn
- ₹2,000
- Contactless / day
- ₹20,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- PAYBACK Rewards
- Earn rate
- 3X at partner brands, 1 PAYBACK pt per ₹100 other
- Point value
- ₹0.25
- Effective cashback
- 0.25%
- Min redemption
- 200 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Lounge access
- Not available
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with American Express and earns no commission on applications.