Amex India changes Membership Rewards and late fees from 15 Nov 2026

American Express India is moving its cards to a new technology platform on 15 November 2026, and several card benefits change with it. Membership Rewards points will be kept separately for each Basic Card. The 50% annual fee waiver on the Membership Rewards Credit Card for spends of Rs 90,000 or more in a card membership year ends on 15 November 2026. Late payment fees will be based on the Total Amount Due instead of the Minimum Amount Due, at Rs 500 to Rs 1,250.

All of this is on the Amex India consumer experience updates page.

Points. A cardmember with two or more Basic Cards will have Membership Rewards points held separately for each card. If a payment is still due when the next statement is generated, the cardmember temporarily stops earning and redeeming points until the outstanding balance is paid.

Milestones. On the Platinum Reserve, Platinum Travel, Gold Card, Membership Rewards Credit Card and SmartEarn, eligible spends will be counted by the date a transaction posts to the card, not the date it was made. The voucher or bonus points are awarded at the end of the calendar month in which the milestone is reached. The Platinum Card renewal vouchers continue when the spend criteria and renewal fee are met.

Other benefits. The complimentary Ace by Times Prime membership on the Centurion and Platinum Card is no longer available from 20 October 2026; memberships already active run to the end of their validity. New Account Cards are no longer issued, and new Supplementary Card applications are paused from 27 October 2026. Existing Account Cards keep working.

Payments. Eligible refunds and reversals received by the payment due date will be adjusted towards both the Minimum Amount Due and the Total Amount Due, including those received after the statement is generated. Amex says the interest illustrations in its MITC will be updated to match.

Service gaps. Between 11 and 18 November 2026 some services pause: new EMI requests are processed after 16 November, contact details, transaction settings and PIN cannot be changed from 11 to 16 November, and website card cancellation is off from 12 to 15 November. Amex says no late payment charges will arise from the posting delay. Statements generated between the 12th and 17th will be available by 18 November.

Cards on our site: Amex Membership Rewards Credit Card, Platinum Travel, Platinum Reserve, Gold Card, SmartEarn, Platinum Card and Centurion. See all American Express cards.