Get the Finance Charges and Interest rates on American Express Credit Card – The finance charges on your American Express Credit Cards are depend on the type of card you have and how you use it. For credit card usage in India, you may come across the following types of charges. The finance charges on the Amex Credit Card are varied as per different type of the cards and charged between NIL to 3.5%. The NIL charges are generally on the charge card.
Interest rates on American Express Credit Card
The following table gives you an overview of the various credit cards offered by Amex and the interest rates and fees associated with them.
| Card Name | Finance Charges Per Month | Cash Advance Fees |
| Amex Platinum Card | NIL | 3.5% |
| Amex Platinum Reserve | 3.5% | 3.5% |
| Smart Earn | 3.5% | 3.5% |
| Amex Travel | 3.5% | 3.5% |
| Amex MRCC | 3.5% | 3.5% |
| Amex Gold Card | NIL | 3.5% |
How to Avoid Credit Card Finance Charges ?
Save your finance charges on higher interest rate and go with EMI option at 12% with AMEX Smart Earn Credit Card. Here are some tips to help you avoid additional charges:
1. Pay your outstanding balance in full
2. Convert the higher outstanding amount to EMI
3. Don’t exceed the credit limit.
Also Find – Cheapest Credit Card Interest Rate in India
