American Express PAYBACK Credit Card

Apply for the best credit card of American Express

Last updated:25-Jul-2024
American Express PAYBACK Credit Card
  • Best suitable for: Cashback
  • Joining Fee: ₹ 750+ GST + GST
  • Annual Fee: ₹ 1500+ GST + GST
  • Welcome Benefits: Get Flipkart voucher worth Rs. 750 on taking 3 transactions within 60 days of Cardmembership
American Express Payback Credit Card

American Express PAYBACK Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ 750+ GST
Annual/Renewal Fee:₹ 1500+ GST
Finance Charges:3.50% per month (42.00% annually)
Spend Based Waiver:Gift vouchers worth Rs. 7,000 on spending Rs. 2.5 lacs in a Cardmembership year
Over Limit Penalty:500 per instance
Rent Payment chargesNULL
Forex Charges:3.5% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 500) + All charges/fees/taxes + EMI
Cheque Return Fees:150/- per returned cheque
Late Payment Charges:Not Available

American Express PAYBACK Credit Card: Eligibility & Documentation


1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

American Express PAYBACK Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 3.5% (Min. INR 250) of the cash amount
Cash Advance Withdrwan Limit: 20% of the card limit
Cash Payment at Bank Branch: NIL

Add-on Card facility: 1500+ GST

Card replacement fee: NIL

Rewards Redemption Fee: NIL (Individual enrolment to Membership Rewards Programme is subject to company enrolment)

Domestic lounge:

International Lounge:

Fuel Surcharge:Not Applicaple on this card

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