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American Express Credit Cards – How to Apply?

American Express is a global financial service institution which is headquartered in Buffalo, New York City. The company was founded in 1850 and is popularly known as Amex. This financial institution is also considered to be the 4th largest card issuer in the world with over 109 million cards in its network.

American Express or Amex offers a wide range of products and services to its customers such as a range of shopping, lifestyle, travel and dining privileges.

In cards, the bank offers a host of credit cards for its customers. Read below to know the type of credit cards that American Express bank offers:

American Express or Amex Credit Cards

American Express Platinum Cards

Platinum card is a type of charge card (it is a type of credit card for use with an account which must be paid in full when a statement is issued) with a yearly fee of Rs. 50,000 plus tax. The card comes with premium lifestyle benefits and entitles the cardholder to avail attractive discounts on luxurious items or services, such as hotel stays, branded merchandise, etc.

American Express Gold Card

The gold card is also a type of charge card with an annual fee of Rs.1000 plus tax in the first year and Rs.4500 from the second year onwards. The card comes with reward points which are based on two levels of Gold tiers like 18-carat rewards and 24-carat rewards. And for every spent of Rs. 50 the cardholder can earn 1 reward.

American Express Platinum Reserve SM Credit Card

This card will provide various discounts on every spend at restaurants, shopping, retail purchase etc and it also allows access to select airport lounges.

Jet Airways American Express Platinum Credit Card

Jet Airways American Express Platinum Credit Card is a travel card which offers customers with discounts on flight tickets through its Reward program when travelling on Jet Airways.

American Express Platinum Travel Credit Card

This is also a travel card which offers benefits and privileges with respect to travelling.

American Express Credit Cards designed in a way so that it can provide maximum benefits to the cardholders. It has features such as payback points, special travel and lifestyle deals and flexibility to compensate the reward points across 600 options, American Express Credit Card will be a delight to every cardholder’s wallet.

Some of The Features of The Various Credit Cards

  • Guaranteed online fraud protection
  • Complete suite of online services
  • Zero lost card liability
  • Emergency Card Replacement

Apply for American Express Credit Cards

Credit card offers a lot of benefits to the customers and it plays a big role in the economy as well. However, if not used wisely, an individual can be under huge debt and will have to pay a hefty amount in interest. This is because unless individuals pay their credit card bill in full, for every subsequent payment an interest will be charged.

Hence, one requires using credit card sensibly to avail the benefits of the product. With every swipe customers get reward points, AirMiles or other discounts. Besides that, other discounts can also be enjoyed, such as a waiver of fuel surcharge upon spending a certain minimum amount.

Credit card holders of American Express bank get to enjoy the benefits of high rewards every time they spend.  Also, with the ‘Pay–In-Parts’ privilege program, you can convert your payments to easy instalment plans.

There are two ways to apply for credit card such as online and offline.

Application through American Express Website

In order to apply for American Express Website follow the below-mentioned procedure:

  1. Visit the official website of American Express Credit Cards –www.americanexpress.com
  2. Go to “Our Cards
  3. Look for “Credit Cards” option under the “Our Cards” tab
  4. Click on “Credit Cards” that will lead you to a list of all the credit cards offered by American Express
  5. Select a card of your choice and click on it and read about their features and benefits in details [Before settling for an option applicants can make a comparison between all the cards to find what suits them the most].
  6. Click on “Apply Now” to apply directly for the selected American Express Credit Card
  7. Fill in the application form with details such as:
  • First Name
  • Last Name
  • Email id
  • Mobile Number
  • Date of Birth
  • Gender
  • Annual Net Income
  • Residential Address Details
  • Employer Details
  • Education Level
  • Aadhaar Card Number
  • Nationality

Once you have filled the form by providing the above mentioned details, the bank will verify whether the candidate is eligible to avail the credit card that they have applied for. If the applicant is eligible bank will then issue or reject their application.

Else, Applicants can also apply for a credit card by sending an email to the bank.

Application For Credit Card Through Offline Method

The offline way is also available for customers who are not very comfortable with the online procedures as American Express bank offers direct application process. Follow the below mentioned procedure to apply using the same method:

  1. Visit the nearest American Express branch
  2. Fill in the required application form which you receive from the bank if you fulfil the eligibility criteria
  3. Once filled, submit the application form along with the necessary documents such as id proof, address proof, and income proof
  4. The bank official will verify all the details you have provided and attached document to decide whether or not the applicant meets the eligibility criteria for the credit card that they have applied for
  5. If the applicant is eligible bank will then issue or reject their application.

For further query, the applicants can also call on the toll free customer acre number i.e. 1800 419 1414 or 0124 280 1414 and this service is available 24*7 on all days of the week.

American Express Credit Card Eligibility

Eligibility Criteria has been set by the bank in order to avail American Express Credit Card. For an identification process, the applicants are required to provide some documents as well.

In order to apply for an American Express Credit Card, the applicant must satisfy the following eligibility criteria, which are as follows:

  • The applicant must be aged above 18 years or above that
  • The applicant must have a good credit history to avail a credit card
  • He should not have had any payment defaults
  • Self – employed applicants’ companies must have been trading for at least 18 months or 12 months if he is an existing American Express credit cardholder. Depending on the type of card, the income requirement varies. Make sure you inquire with American Express before proceeding with the application process.

Documentation Requirements For American Express Credit Card

You might be asked to submit the following documents during the application process:

  • Self-Attested Passport Sized Photographs
  • Latest Salary Slips, Income Tax Returns and Form 16
  • A Valid Residence Proof Document like Ration card or Electricity bill
  • An Identity Proof like Voter’s ID or Driving License.

Insurance Facility Provided by American Express Bank

American Express offers various types of insurance facility as well. Insurance is custom made by ICICI Lombard and the Insurance Products are as follows:

Travel Insurance

American Express offers substantial and mouldable travel insurance plans which are based on the needs and requirements of the cardholders. It also offers coverage up to 85 years of age payable instantly and only for the total number of days travelled.

Motor Insurance

Under this insurance type, vehicles will get insurance coverage which is owned by the cardholders in case of accidents. It also does not require any kind of paperwork and is a digitally signed plan. It also provides roadside assistance to its customers.

Health Insurance

As the name suggests, health insurance covers all the health-related problems of the cardholder and also of their family members. It considers all the medical related needs of the cardholder and provides them with a best made – to – order plan based on their requirements.

Personal Accidental Insurance

The card holders can also opt for a far-reaching personal accidental plan that would safeguard them on every step at the time of any personal accidents. It also provides coverage of Rs. 2 crores up to the age of 65 years and no medical check-ups are needed. It also provides an easy and instantaneous claim facility.

IDBI (Industrial Development Bank of India) Bank Credit Card Customer Care

IDBI (Industrial Development Bank of India) is a government owned financial service company which was established in 1964 and it offers banking and financial solutions in the retail and corporate banking arena.

At present, IDBI is one of the most prominent Indian commercial bank which has a strong presence in asset and liability products and leading solutions. The bank is present in all the states in India with a vast network of almost 1400 branches and 2000 ATMs across 28 states.

IDBI bank offers various products and services such as:

  • Savings Accounts
  • Fixed Deposits
  • IDBI Loans
  • IDBI Credit Cards
  • IDBI Debit Cards
  • Other Value Added Services by IDBI

The bank has a dedicated customer care service department through which it addresses customer queries and grievances such as requesting for account balance, account transaction details, request for new cheque book or statement, to help with resolving any kind of complaint, the IDBI bank customer care departments handles it all. If you wish to contact the IDBI Credit Card customer care department, you can approach the general enquiry number to resolve your query.

IDBI bank offers various modes of communication through which IDBI customers can contact the banks which are; toll – free helpline numbers, SMS, emails.

Through Phone Call

  • IDBI Credit Card Customer Care Chargeable Number

To resolve your query you can call on the IDBI bank’s non toll – free number i.e. 022 – 4042 6013

  • IDBI Credit Card Customer Care Toll – Free Number (For Credit Card – Related Enquiries)

If you wish to get in touch with the bank through a phone call, you can call on the IDBI bank’s toll – free number i.e. 1800 425 7600

  • Email

If you wish to drop a mail you can do so by writing at idbicards@idbi.co.in

IDBI Bank 24 * 7 Customer Care Toll Free Number (For General Enquiries)

If you have any general enquiry you can call on the below mentioned number from any landline / mobile number and talk to a customer care representative regarding any kind of enquiry.

  • Toll – Free 24 * 7 customer care number – 1800 – 200 – 1947 / 1800 – 22 – 1070
  • IDBI Bank Non – Toll Free Number – (9122) 6693 7000

How to Hotlist Lost Credit Cards Through Toll – free customer Care Number

In case you have lost your card or it is stolen, you should simply block your card by calling on 1800 – 200 – 6999. This number can be dialled from most of the landline phones and mobile phones.

And in case you have lost your debit card, you can dial the same number immediately in order to get it blocked.

  • Debit Card Blocking – Toll Free Customer Care Number
  • By calling on the toll – free number you can also block your debit card through SMS. Follow the below mentioned way to block your Debit card through SMS:
  1. With Debit Card Number
    • SMS BLOCK (space) Customer ID (space) Card Number to 5676777
  2. If you do not remember your Card Number, you can block your card by quoting your Customer ID
    • SMS BLOCK (space) Customer ID to 5676777

IDBI Bank Credit Card Customer Care – for Customers calling from overseas

If you are overseas and wish to get in touch with a customer care representatives in the event of any emergency like a lost card or any foreign currency – related query, you should contact (91 – 22) 6693 7000 from wherever you are overseas. Call charges are applicable.

How to Register Your Feedback

If you wish to provide feedback to the bank you can do so. You can call on the IDBI Bank 24 Hours Customer Care Numbers and talk to a customer care executive regarding your feedback.

For Credit Card Grievance Redressal

For grievance redressal, the bank provides a separate link on the official website of the bank where one can file their grievance, complaints or queries related to credit cards.

If you have any grievance which you wish to file you can follow the below mentioned ways:

  • You can call on IDBI Bank 24 * 7 customer care number customer care number at 1800 425 7600 and lodge a complaint. The non toll – free number is 91 22 – 4042 6013.
  • You can also drop a mail to the customer care department describing your complaint / query in details at idbicards@idbi.co.in . You will also have to provide complaint ID, your credit card number, and contact numbers in the subject line
  • If you don’t receive any response within 8 working days or the resolution provided through the above channel is not satisfactory, you can escalate the issue to the Head – Credit Cards. Also make sure that you provide your complaint ID at the time you approach the concerned person. You can also contact the Head – Credit Cards between 10 am to 6 pm from Monday to Friday and between 10 am to 2 pm on Saturday. Read below to know the details:
Designation Contact Details Office Jurisdiction
Head – Credit Cards Tel no: 022 – 6655 2263 FAX no: 022 – 6655 2676 IDBI Bank Ltd. Customer Care Centre, 13th Floor, A Wing, IDBI Tower, WTC Complex, Cuffe Parade, Mumbai – 400 005
  • If you didn’t receive any response within 8 working days or the resolution provided through the above mentioned ways are not satisfactory to you, you can escalate the issue to the Head Credit Cards. Ensure that you quote your complaint ID while approaching the concerned person. You can contact the Chief Grievance Redressal Officer between 10 am to 6 pm from Monday to Friday between 10 am to 2 pm on Saturday. Following are the details:
Designation Contact Details Office Jurisdiction
Chief Grievance Redressal Officer (CGRO) Tel no: 022 – 6655 2141, 6655 2143

FAX no: 022 -2216 5195

IDBI Bank Ltd. Customer Care Centre, 13th Floor, A Wing, IDBI Tower, WTC Complex, Cuffe Parade, Mumbai – 400 005 Pan India
  • If you still do not receive any response from the Chief Grievance Redressal Officer, you can escalate your concern to the Chief Customer Service Officer (CCSO). Also make sure to provide complaint ID when contacting the officer. Following are the contact details:
Designation Contact Details Office Jurisdiction
Chief Customer Service Officer (CCSO) Tel no: 022 – 22153979 E – mail: ccso@idbi.co.in IDBI Bank Ltd. Customer Care Centre, 13th Floor, A Wing, IDBI Tower, WTC Complex, Cuffe Parade, Mumbai – 400 005 Pan India
  • If you still haven’t received any response within a month, you may get in touch with the Banking ombudsman appointed by the Reserve Bank of India (RBI).

How to Locate IDBI Bank

You can locate your nearest IDBI bank on the official website of IDBI bank. For that you will have to just log on to the IDBI website and head to the “Branch Locator” link, from which you could search and refine to find the address of your desired IDBI bank branch. Following is the registered address of the bank:

Address

Registered Office, IDBI Bank Ltd. IDBI Tower, WTC Complex, Cuffe Road, Mumbai 400005

IDBI Bank Credit Card Customer Care

S.No. Name & Contact Details Office Zonal Office Jurisdiction
1 General Manager & GRO
Tel no: 011-6608 3096
Email-Id: gronorth1[at]idbi[dot]co[dot]in
Delhi Zone
1st Floor, Videocon Tower, E-1, Jhandewalan Extension, New Delhi Pin :110055
Delhi (UT – NCT)
Delhi Delhi & NCR, Rajasthan, Uttar Pradesh, Uttarakhand
2 General Manager & GRO
Tel No: 0172-5059302
Email-Id: gronorth2[at]idbi[dot]co[dot]in
Chandigarh Zone
SCO 72-73,
Sector 17 – B,
Chandigarh
Pin: 160017
Chandigarh Chandigarh (UT), Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir
3 General Manager & GRO
Tel No: 033 – 22806780
Email-Id: groeast1[at]idbi[dot]co[dot]in
Kolkata Zone
44, Shakespeare Sarani, PB No 16102, Kolkata, West Bengal
Pin: 700017
Kolkata West Bengal, Bihar, North East States
4 General Manager & GRO
Tel No: 0674-2541655
Email-Id: groeast2[at]idbi[dot]co[dot]in
Bhubaneswar Zone
IDBI House, Janpath
Ground Floor,
Unit -IX
Bhubaneshwar, Odisha
Pin: 751022
Bhubaneswar Odhisa, Jharkhand, Chhattisgarh
5 General Manager & GRO
Tel No: 022 – 61279262
Email-Id: growest1[at]idbi[dot]co[dot]in
Mumbai Zone
4th Floor, IDBI Tower, Plot No C-7, G Block, Opp NSE, Next To SBI, BKC, Bandra (E), Mumbai
Pin: 400051
Mumbai Mumbai, Nashik
6 General Manager & GRO
Tel No: 0712-6605119
Email-Id: growest2[at]idbi[dot]co[dot]in
Nagpur Zone
Gupta House,
Plot no 1,
Ravindra Nath Tagore Marg, Civil Lines, Nagpur
Pin: 440001
Nagpur Eastern Maharashtra
7 General Manager & GRO
Tel No: 079-66072806
Email-Id: growest3[at]idbi[dot]co[dot]in
Ahmedabad Zone
IDBI Complex,
Lal Bungalows,
Off CG Road,
Ahmedabad
Pin: 380006
Ahmedabad Gujarat, Madhya Pradesh, Dadra & Nagar Haveli and Daman & Diu
8 General Manager & GRO
Tel No: 020 – 66421641
Email-Id:growest4[at]idbi[dot]co[dot]in
Pune Zone
IDBI House, Fourth Floor
Dynaneshwar Paduka Chowk
Fergusson College Road, Shivaji Nagar
Pune Pin :411004
Pune Pune, Satara, Kolhapur, Sangli Districts & State of Goa
9 General Manager & GRO
Tel No: 044 – 22202124
EmailId:grosouth1[at]idbi[dot]co[dot]in
Chennai Zone
3rd Floor, Khivraj Complex – I, 480, Anna Salai, Nandanam, Chennai,
Tamil Nadu
Pin: 600035
Chennai Tamil Nadu, Puducherry and Andaman & Nicobar
10 General Manager & GRO
Tel No: 080-67990050
EmailId:grosouth2[at]idbi[dot]co[dot]in
Bengaluru Zone
IDBI House,
58 Mission Road,
Bangalore, Karnataka
Pin: 560027
Bengaluru Karnataka, Kerala
11 General Manager & GRO
Tel No: 040- 2323 5466
EmailId:grosouth3[at]idbi[dot]co[dot]in
Hyderabad Zone
D. Num 5-9-89/1 and 2,
Chapel Road,
P. B. Num 370,
Hyderabad Pin :500001
Hyderabad Telangana, Andhra Pradesh

 

Citi Bank Credit Cards – Eligibility, Apply, Features, Types

A Credit Card is a card which is provided by a financial institution to its customers who fulfil the eligibility criteria. With a credit card, you can borrow money from your bank to make your purchase, as long as you pay back the money you borrowed within the “Grace Period” of 25–30 days and you are not required to pay anything extra. However, if you fail to pay back the money you have borrowed, you will have to pay interest.

There are many advantages of a Credit Cardas in if you make a large purchase now you get the option to pay it off in smaller chunks later. Your credit card statement will also help you to make your budgeting easier. Also with a credit card, you don’t have to carry around a wad of cash; you can just swipe and pay for your purchase and with every swipe, you can build up your credit score, which will be useful later on.

CitiBank also offers credit cards to its customers. The bank started its banking operations in1902. Citibank is a significant financial institution in the Indian financial market. It has 2,649 branches in 19 countries, including 723 branches in the United States (US) and 1,494 branches in Mexico. It offers a wide range of products and services to its customers like Citigold Private Client, Citi Priority, Citi Gold, Citi Bank Savings Account, Preferential Banking Account, Citibank Suvidha Account, Citibank Senior Citizen Account, Citibank Junior Account.

Some Relevant Links
Citi Bank Saving Account Click Here
Citit Bank Credit Card Customer Care Number Click Here
Link Aadhaar Card With Citit Bank Account  Click Here
Citi Bank IFSC Code Click Here

Citibank offers special credit cards for travel, lifestyle, shopping, and corporate use. It offers great benefits and a discount to the cardholders depends on the spending they make on the card. The cards also come with a lot of benefits and it also offers rewards with every swipe. Read below to know the Citibank cards:

Card Name Fees and Charge Features Suitable For
Citi Rewards Annual Fee: Rs. 1,000 Interest rate: 39% per annum Reward points for shopping at apparel and departmental stores and with select partners. Individuals who are seeking benefits from their shopping expenses
Citi Premier Miles Annual Fee: Rs. 3,000
Interest rate: 37.2% – 42% per annum
Airmiles for all airline transactions, redeemable across over a 100 domestic and international airlines. A regular traveller who wishes to get rewarded for travelling near and far.
Indian Oil Platinum Annual Fee: Rs.1,000( for the ones who spend less than Rs. 30,000 )
Interest rate: 39% per annum
 4X turbo points for fuel purchases at Indian Oil outlets.
2X turbo points for grocery shopping.
Individuals seeking best possible benefits from day to day expenses like fuel and groceries
Citi Cash Back Annual Fee: Rs. 500
Interest rate: 37.2% – 42% per annum
5% cash back on movie ticket purchases and phone bill payments.
0.5 % cash back on other expenses.
People who want a credit card for their day to day expenses with a benefit of converting reward points into cash.
First Citizen Citi credit card Annual Fee: Rs. 500( for the ones who spend less than Rs. 30,000 )
Interest rate: 39% per annum
Accelerated Reward points for shopping at select apparel stores like Shoppers stop, and reward points for all other expenses. For shopaholics who wish to earn while they spend.

 

Why Choose Citibank Credit Cards

Citibank provides numerous benefits like attractive Reward Schemes, International Recognition and Wide acceptance. It also provides Insurance benefit credit cards which include travel accident coverage, lost luggage insurance and health insurance. Also with every purchase, the cardholders can earn reward points at an accelerated rate and compensate for exclusive vouchers, special deals and merchandise. Citibank credit cards are designed keeping every class in mind; hence everyone can find a card which is suitable for their lifestyle.

How To Apply for Citibank Credit Cards

Credit card offers a lot of benefits to the customers and it plays a big role in the economy as well. However, if not used wisely, an individual can be under huge debt and will have to pay a hefty amount in interest. This is because unless individuals pay their credit card bill in full, for every subsequent payment an interest will be charged.

Hence, one requires using credit card sensibly to avail the benefits of the product. With every swipe customers get reward points, AirMiles or other discounts. Besides that, other discounts can also be enjoyed, such as a waiver of fuel surcharge upon spending a certain minimum amount.

There are two ways to apply for Citibank credit card such as online and offline.

Apply Offline for Citibank Credit Card

If a customer wants to apply for a Citibank Credit Card going offline way, they can do so by just following the below-mentioned procedure:

  1. Pay a visit to your nearest bank branch ask to apply for a credit card.
  2. The bank official will hand over a form to you
  3. Fill in the application form properly with details such as your income, personal information, and so on
  4. After that the bank official will match your documents with the eligibility criteria. And if you fulfil the eligibility criteria, the application will be taken forward

For further query you can contact the Citibank Customer Care number at 1860 210 2484 at any given point of time as it is available 24 / 7.

Apply Online for Citibank Credit Card

Online method is one of the most convenient methods to function a task as one can do that anytime and anywhere they wish to. Follow the below mentioned procedure to apply for a credit card in Citi bank:

  1. Visit the official website of Citibank – www.online.citibank.co.in
  2. Go to the home page of the website and choose ‘Credit Card’ which you can find under the section ‘What are you looking for’.
  3. Select ‘Apply’ from the options ‘Know More’ or ‘Apply
  4. Fill in your personal details carefully along with the details of your income
  5. Click on ‘Submit’ button

You are also required to provide some documents such as proof of address and proof of identity. The customers will get the option to track their application online as well.

Citibank Credit Cards Eligibility Criteria

  • Applicants are required to be between 18 to 70 years of age
  • He must have a sterling CIBIL (Credit Information Bureau India Limited) score
  • The applicants must have a fixed monthly income
  • And they are also required to be the residents of India

Also note that an income requirement varies depending on the card. Also every type of credit card has their different criterion. Hence, get in touch with the bank before proceeding with the application.

Citibank Credit Card Documentation Requirement

Keep the below-mentioned documents handy as you have to submit these at the time of applying for a Citibank Credit Card:

  • One Passport size colour photograph
  • Address proof like ration card, electricity bill etc
  • Photo identity proof like Voter ID Card, driving license
  • Signature on a consent form

Citibank offers Various Reward Cards for Shoppers

You can earn attractive reward points on spends with various merchant establishments in India and abroad with

  • Citibank Rewards Card
  • Citibank Rewards Domestic Credit Card
  • First Citizen Titanium Credit Card
  • Citibank Platinum Credit Card

Can Citibank Credit Cards Use Internationally

Citibank India offers Credit cards which can be used internationally, that is it can be used in India and abroad. Credit Cards however cannot be used to make foreign currency transactions in Nepal and Bhutan.
There are also domestic only cards available with Citibank which can only be used in India and at Indian web portals like the ‘Citibank Rewards Domestic Card’

Validity Period of Credit Cards

The credit cards are valid for 3 years. This is also applicable for Citibank add-on credit card. Post 3 years both cards are dispatched in the month prior to card expiry. This is at the sole discretion of the bank whatsoever. The card would bear the same number with a different CVV number.

Fees and Charges Applicable on Citibank Credit Cards

Cash withdrawal fees 2% of the amount withdrawn subject to a minimum of Rs. 300
Over Limit Charges Current balance up to Rs. 10000 – Rs. 300 current balance from Rs. 10001 – 25000 – Rs. 600 current balance above Rs. 25000 – Rs. 700
Late Payment Charges Current balance up to Rs.10000 – Rs.300 Current balance from Rs. 10001 – 25000 – Rs. 600 Current balance above Rs.25000 – Rs.700
Cheque Bounce / ECS (Electronic Clearance Service) return Rs. 350 per return
Fuel Surcharge 2.5% of the transaction amount subject to a minimum of Rs. 10

In addition to the above, there are fees are charges levied on a range of transactions. For further details you can visit the official website of Citibank.

UPTET Admit Card Railway Result