CREDIT CARD DETAIL Indian Airlines American Express Credit Card Card Highlights Card Class Standard Card Type Airline Issuer American Express Offered Type American Express Rewards Airline Main Features Enjoy 15% discount on Economy and 10% discount on Business Class tickets 5 % off even on Easy Fares and Super Saver Fares Free Return Ticket Free Business Class Upgrades Flexibility of easy payments Card 'free for life' Accident Insurance up to 50 lakhs Special travel privileges Convert everyday purchases into air-miles Free Supplementary Card American Express® Service Worldwide  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 3.5% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month (N.A.}  Fees & charges   Fees & charges Annual Fee Rs.5900 (inclusive of One Supplementary Card). Spend as you normally do. However, if your annual spend on the Card exceeds Rs. 1,50,000 we will waive 50% off your Card’s annual fee for the next year. And a spend of Rs. 2,50,000 will get you a full fee waiver! Add On Card Fee Rs 2000 Cash Advance Transaction Fee 3.5% or Rs. 100, whichever is higher Finance charges on cash advances /extended credit 1.9% Late Payment 3.5% or Rs. 100 whichever is higher Over Limit Charges Min.: Rs 500 Cheque Bounce Fee Min.: Rs 250 Return of Cheque Fee Min.: Rs 250 Outstation Cheque Processing Fee Rs 75 2.5% Dial a Draft Fee 2.5% Min.: Rs 75 Duplicate Statement Request Charges Rs 100 Railway Booking Surcharge (Online) 1.8% Air/Railway Booking Comment 1.8% of the transaction value if booked on the internet Fuel Surcharge 2.5% Foreign Currency Conversion Charges 3% Foreign Currency Transaction Charges 2% Retrieval Fee/Copy Request Fee Rs 100 Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Earn Double Membership Rewards points - (5 points for every Rs. 100) on your regular purchases on the Card, with TURBO - the unique points accelerator programme. These points can be freely transferred to your Flying Returns account as add on mileage points (AOMPs), so you can redeem your free flights faster. Special Rewards Program: Now get 1000 bonus membership rewards points on every Indian Airlines 8 coupon ticket and 200 bonus membership reward points on every subsequent 2 coupon Indian Airlines tickets purchased on the card.  Airline   Airline: Full Fare Business Discount 10 on any Indian or International Indian Airlines sector. % Full Fare Economy Discount 15 on any Indian or International Indian Airlines sector. % Easy Fare/Check Fare 5 % Upgrade Vouchers Get 1 free upgrade voucher to Business Class in the first year and one more each year on renewal. Airline Travel Benefits Get a complimentary Economy Class return ticket* every time you charge Rs. 75,000 worth of Indian Airlines tickets on your Card. This ticket can be redeemed on any Indian Airlines sector - including international sectors! As a Cardmember, enjoy special privileges from Indian Airlines including: * Free FFP membership (for non Flying Returns members) * Extra-baggage Allowance, Priority confirmations, Tele check-in * Global Calling Card and Global Assist  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility Yes Rewards Programme Yes Global Emergency Assistance Service Yes Insurance: Air Accident upto 50 lakhs. Hospitalization Benefits No  Special Offers   Special Offers Travel and Leisure Dining Shopping Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS A chronicle of excesses by loan recovery... Credit profile and its effect on loan... Benefits and drawbacks of personal loans... Carnival of Indian Personal Finance Blogs #6 Utilise credit card reward points