Are you looking for an easy and convenient way to pay your AmEx credit card bill? You should always strive to pay your credit card dues on time. It keeps your credit record in good shape and your financial life in the correct order. However, while juggling daily tasks and responsibilities, finding the time for bill payments becomes challenging. Thankfully, with AmEx credit card online payment, you can pay your credit card bills right from the comfort of your home. It only takes a few minutes!
American Express is known for providing world-class financial products that offer a ton of perks. Their credit card brand is one of the best in the world with several options to choose from. No matter what your needs are, you are sure to find a suitable Amex credit card. The company has also introduced several rewards and benefits program that allows you to collect and redeem points just for using your card. With such user-friendly features in place, it is only natural that the company will also make bill payment easy.
Net banking – AmEx Credit Card Payment
If you have a current or savings account with American Express, you can register for the net banking facility. Remember, you cannot avail this feature without registering first. You can also link your AmEx credit card with this account, for which you will need the ATM pin. Net banking also allows you to check unbilled/billed transactions, credit card statements, due dates, credit limit, outstanding dues and earned reward points.
In the event of a theft or loss of your credit card, you can also use net banking to block the card and request a replacement. For this, American Express will levy a charge of Rs. 100. To pay your credit card bill through net banking, you have to log into your account and select the option “Credit Card Payment.” The money will be deducted from your AmEx savings account.
AutoPay – AmEx Credit Card Payment
If you have multiple credit cards, it might be especially difficult for you to keep track of all the different due dates. If you are worried that you might forget to pay your AmEx credit card bill, AutoPay will be the perfect solution for you! You can configure AutoPay settings to fit your needs. You can either pay the total outstanding amount or the minimum amount due through this process. Once you configure this, you will not have to worry about your bill payment. The money will be automatically deducted from your savings account.
For those without current/savings account with AmEx
The online credit card bill payment methods mentioned above require you to have a current or savings account with American Express. However, if you only have an AmEx credit card and no savings account with the bank, you can still pay your bill online. Here are some of the popular methods that you can try.
- NEFT or National Electronic Fund Transfer
- RTGS or Real Time Gross Settlement
- ECS or Electronic Clearing Service
NEFT (National Electronic Fund Transfer)
NEFT allows you to make quick payments on your outstanding credit card bill. Though the exact steps may vary from bank to bank, the overall process of fund transfer is similar. First, you need to log into your bank account and register your AmEx credit card as the payee. To complete the registration process, you would need the following details:
- Bank name
- Branch address
- Name of Payee
- Account type of Payee
- Account number of Payee
- IFSC code
If you make the payment on a weekday during business hours, the bill will be paid the same day. However, if you make the transaction after business hours or on the weekend, the sum will get delivered on the following business day.
RTGS (Real Time Gross Settlement)
If you make bulk transactions using your credit card, the RTGS method would be appropriate for you. You can pay your bill through this process even if you do not have a savings account with American Express. You would, however, need to have access to net banking on your non-AmEx bank account. RTGS allows you to pay Rs. 2 lakhs and even more. Unlike NEFT, where transactions get processed in batches, RTGS executes one transaction at a time.
American Express also offers a Recurring Direct Debit option that allows cardholders to pay their credit card bills online. You can submit the direct debit enrolment form for the credit card to avail the ECS feature. You would need to decide whether you want to pay the total amount due or the minimum amount due. The money will get debited from your account every month on time.
How to pay AmEx credit card bill offline?
If you like to manage your finances using traditional means, you can choose any of the offline payment methods. American Express allows multiple ways of bill payment that do not require you to use your computer. Here are some of these ways:
Courier or post
You can write drafts or cheques to your credit card company with your card details and drop it off at the American Express branch near you. You must provide the cheque or the draft four days or more prior to the actual due date. This way, you can avoid fines related to late payments.
Remember, if you courier the cheque or draft, the same will reach the company’s office in Gurgaon. On the other hand, if you send it through the post, it will reach the company’s office in New Delhi. Therefore, you need to consider the time it will take for the cheque or draft to reach its respective destination before it can get processed for payment.
Another offline method of paying credit card bill is to use the bank’s drop box. You can deposit a draft or cheque to the nearest American Express drop box.
FAQ – AmEx Credit Card Bill Payment
If this is your first time using an American Express credit card, and if this is your first month of using it, you must have a lot of questions related to bill payment. Here are some of the most common questions that people have about credit card bill payment and the answers.
1. What details do you need to provide when making bill payments online?
To make bill payments online, you need to provide basic information such as your AmEx credit card number, bank account and the amount you want to transfer.
2. Can you deposit cash payment to the drop boxes?
You can only deposit drafts or cheques at the drop boxes. You cannot deposit cash as payment.
3. Which cities offer the ECS or Electronic Clearing Service?
Cardholders residing in Kolkata, Chennai, Bangalore and New Delhi have access to ECS payment modes.
4. Can you pay your AmEx credit card bill even if/when you are abroad?
You can use online banking to pay your AmEx credit card bill from anywhere in the world.
5. Is there a limit for recurring direct debit payments?
When paying through recurring direct debits, you can either pay the total amount due or the minimum amount due.
6. Do you get credit card statements from American Express?
American Express urges its users to “Go Paperless”. That means you get online statements every month. You get regular reminders every month whenever a new statement gets generated. You can also access the statements of the last 6 months from any corner of the globe. However, you cannot enjoy the “Go Paperless” feature without registering for it first.