How to use american express card online

American Express Credit Cards offer you opportunities to earn a variety of rewards with Membership Rewards® points that you can redeem for flights, holidays, hotel stays, and gift vouchers.

The rewards don't stop there. Our Credit Cards offer you a range of movie, dining and golf privileges as well as shopping protections like Refund Protection, Purchase Protection, Online Fraud Protection, as well as inclusive insurance benefits, and 24/7 customer support. Find all our latest Credit Card promotions.

Unless you have requested a new PIN, your existing PIN is still valid for this Card. However, you need to ACTIVATE your Card before the first use through any of the following methods:

1. American Express App
- Download the American Express® App
 - If you already have the Amex App, log in and go to ‘Account’ tab and select ‘Activate and Add Card to your Account’ option

2. American Express Online Services
- Register for Online services and activate your Card at americanexpress.com/in/activate

3. American Express helpline
- Call the helpline number and follow the prompts to activate your Card
- Register for Online Services at americanexpress.co.in. or via the App

If your Card is a Replacement Card and you have requested for a new PIN along with the replacement request, then please select a 4-digit PIN of your choice and ACTIVATE your card before first use using the above channels.

‡Instant Card Number eligibility is based on our ability to instantly authenticate you. If you are eligible for Instant Card Number, you will receive an Instant Card Number that you may be able to use virtually anywhere American Express is accepted and a physical Card will not be required. In certain instances (for example, if we cannot instantly authenticate you) you may only be able to use your Instant Card Number at a select merchant until you receive your physical Card. You may not have access to your full credit line until after you confirm receipt of your physical Card. We will mail your physical Card within 3-5 days of account approval.

1Digital wallets are Apple Pay™, Samsung Pay, Google Pay™, Fitbit Pay™, PayPal or Amazon Pay.

To create an online account or link a Card to your existing online account, go to americanexpress.com/register.

If you're an Additional Card Member, when you're setting up your online account, you'll need the Basic Card Member's date of birth as well as your own personal information. Your registration will allow you access to your Card information only.

American Express Go is an expense solution that compliments your Corporate Card program and adds to your convenience. It's a faster, more flexible way for your contractors, freelancers, recruits, and infrequent travelers to pay on-the-go.

American Express Go is an expense solution that compliments your Corporate Card program and adds to your convenience. It's a faster, more flexible way for your contractors, freelancers, recruits, and infrequent travelers to pay on-the-go.

For a CD account, rates are subject to change at any time without notice before the account is funded. The rate received will either be (i) the rate reflected during your application process or (ii) the rate being offered when your CD is funded, whichever is higher. All CDs must be funded within 60 calendar days from the time we approve your application or will be subject to closure. The interest rate and Annual Percentage Yield (APY) will be disclosed in your account-opening documents, which you will receive after completing your account-opening deposit. After a CD is opened, additional deposits to the account are not permitted. Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. Please see the Deposit Account Agreement for additional terms and conditions and Truth-in-Savings disclosures.

**The national rate referenced is from the FDIC's published Monthly Rate Cap Information for Savings deposit products. Visit the FDIC website for details.

‡For purposes of transferring funds, business days are Monday through Friday, excluding holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Deposit Account Agreement for more information.

♢Calculations are estimates of expected interest earned. Actual results may vary, based on various factors such as leap years, timing of deposits, rounding, and variation in interest rates. The first recurring deposit is assumed to begin in the second period after any initial deposit.

§IRA Contributions are subject to aggregate annual limits across all IRA plans held at American Express or other institutions. IRA distributions may be taxed and subject to penalties based on IRS guidelines. Required minimum distribution, if applicable, is only relevant to this IRA plan and does not take into consideration other IRA plans held at American Express or other institutions. Please see IRS.gov for more information. We recommend you consult with a financial or tax advisor when making contributions to and distributions from an IRA plan account.

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