Get the Amex Best Credit Cards For EMI Interest Rate in India with  lower charges. American Express Credit Card holders can convert the purchases in to EMI of 3,6,9,12and 24 months after or before the purchase. The EMI facilities is available for both online and offline purchases. American Express® Charge Cards are not eligible for EMI Conversion. American Express doesn’t ask for pre closure charges on EMI.

Amex Best Credit Card with EMI Interest Rate

EMI Details	Pre Purchase	Post Purchase
Interest Rate	14% or 1.17% per month	16% or 1.33% per month
Processing Fees	NIL	2% of transaction amount

Amex Best Credit Cards For EMI in India for 2023

The following American express credit cards are eligible for the EMI facility :

• American Express SmartEarn™ Credit Card
• American Express Membership Rewards® Credit Card
• American Express® Platinum ReserveSM Credit Card
• American Express® Platinum Travel Credit Card

Amex EMI Conversion eligible criteria :

• The transaction amount must be Rs. 5,000 or above.
• In case of Amazon online purchase, Rs. 3,000 can also be converted to EMIs.
• The EMI conversion can only be opted before the payment due date of the card statement
• Transaction categories like gold and jewelry are not eligible for EMI conversion.
• The eligible cardmembers can avail EMI conversion for up to 6 transactions at any point within their credit limit.

Amex Credit Card EMI Calculator 

Follow the below sample transaction to know the EMI on Amex Credit Card per Rs 10,000/- for Six Months.

Transaction Amount : Rs. 10,000

Processing Fee:Rs. 200 (2% of Rs. 10,000) plus 18% GST

Interest Rate: 16% p.a. (1.33% p.m.)

EMI Tenure:6 months

EMI will be Rs. 1,745 per month, plus GST at 18% on the transaction amount.

Click for Credit Card EMI Calculator

AMEX Smart Earn credit card Reviews

American Express Credit Card with Cheapest Annual Fees and nice reward. The best feature of AMEX Smart Earn credit card is EMI conversion at flat 12% rate of interest during offer. Additionally there is an annual fees waiver option on total billing of Rs 40,000 per year.

Pros : 

1. Lowest EMI Interest Rate of 14% plus GST
2. Processing charge is 2% of purchase amount
3. The repayment period are flexible in 3,6,9,12,18, 24 months
4. Annual Fees waiver on Credit Card with total billing of Rs 40,000 in a year
5. Easy EMI conversion through AMEX App or Customer Care
6. No pre closure charges on pre payment of loan

Cons :

1. The physical acceptance at merchant location is very less, Majorly in the Metros or tier I cities. 
2. As compare to AMEX MRCC, the reward rate is not that good

Check Review of Amex Smart Earn Card