Joining Fee:
₹750 +GST
Return Percentage:1% to 2%
Credit Card Overview
A co-branded card offering Payback points on all transactions. Cardholders benefit from flexible redemption options, fuel surcharge waivers, and dining discounts at partner restaurants.
Best Suited For: Cashback
Amex
Fees and charges at a glance
- Annual fee
- ₹1,500
- Joining fee
- ₹750
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 42% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Amex Payback credit card — Earn Categories
Everyday rate
- Base Rewards2 Membership Rewards (MRs) / ₹100
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Utilities
- Rent
- Wallets
- Fuel