American Express Credit Card Bill payment - Pay Online & Offline

Once you make purchases using your AMERICAN EXPRESS credit card, you have got to pay the used amount back to the bank. This must be done once your AMERICAN EXPRESS credit card statement is generated for a particular period.  AMERICAN EXPRESS credit card offers a few ways, each online and offline, to pay your credit card bill quickly and conveniently. Each method features a totally different payment processing time, that you need to be aware before initiating credit card bill payment.


Payment Method

These are the widely used methods for online payment of credit card bill. You can follow the underwritten steps for making the payment.

  • UPI

Processing time- Instant

  • Login into the Mobile Banking app
  • Choose and Click on Pay, Click-on UPI Payment box, Then Select ‘Send Money’
  • Choose between Pay via UPI ID or Account number and AMERICAN EXPRESS credit card payment IFSC Code.
  • Then enter the details like amount, Remarks, and pay the amount



AMERICAN EXPRESS offers a few other methods of Online Bill Payment.

  • NEFT
  • National Automated Clearing House
  • Bill Desk


People who are not comfortable with online bill payment can opt for offline payment of bills. AMERICAN EXPRESS offers a few other methods of Offline Bill Payment.

  • Draft/ Cheque
  • Customer Care

Moratorium on AMERICAN EXPRESS Credit Card Bill Payment under RBI’s COVID-19 regulatory

Following the guidelines mentioned in RBI’s COVID-19 regulative Package, AMERICAN EXPRESS Card is permitting its cardholders the facility to avail moratorium on bill payments. Here are the necessary highlights of this facility:

  • All credit card holders who are making bill payments frequently and don't have any overdue are eligible for the moratorium
  • Interest charges are going to be applicable on the outstanding amount even during the moratorium period
  • Late payment charges won't be applicable
  • To opt for a moratorium, you need to place a letter of invitation with the bank five days before the payment due date
  • This is not a discharge of the outstanding amount or EMI, simply a deferment till August 2020
  • Cardholders will need to pay the whole outstanding amount along with the accumulated interest charges on the next due date after August 2020
  • Opting for the moratorium period won't have an effect on your credit score


For more details related to the COVID-19 Moratorium period.



These are some of the frequently asked questions (FAQs) by customers related to AMERICAN EXPRESS Credit Card.