Missing things in app
This app is poorly designed when it comes to user experience.
1. Even though the credit card is already registered and linked to mobile number, the card number has to be inputted twice while bill payment.
2.Secondly, the phone keypad stays as text input although card number is always numeric. Email and mobile number are also not defaulted although already submitted.
3. After entering the card number, due amount is not shown there. The amount needs to be memorised. If the amount is forgot, then need to go back to home screen and start from card number again.
1. Even though the credit card is already registered and linked to mobile number, the card number has to be inputted twice while bill payment.
2.Secondly, the phone keypad stays as text input although card number is always numeric. Email and mobile number are also not defaulted although already submitted.
3. After entering the card number, due amount is not shown there. The amount needs to be memorised. If the amount is forgot, then need to go back to home screen and start from card number again.
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Amex don’t support and help in EMI conversions
They create some policy and say that sometimes the emi conversions possible and when they don’t wish they say emi conversions not possible. End of the day I am going to pay them whatever it is and it’s not that I missed any payments these many years but people just simply ignore and don’t take any value add for lifetime customers. I am sure I will throw the Amex cards once I am complete the ongoing payments and never use the same and never recommend anyone to get the same from Amex. There are many other banking service who always help their customers with emi options even they have many exiting emi running on the same card and never said the second emi conversion is not possible
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REQUEST TO PROVIDE THE OPTIONS FOR CC PAYMENTS
For making the Payments of the Monthly Credit Card Bills through your APP, presently the Card Holders are provided with 3 Channels viz.
1) RUPAY Debit Cards ONLY or 2) Internet Banking or UPI ID. I use MasterCard and VISA
Cards and always Avoid UPI Id Payments. So,
I’ve to Opt for Internet Banking Channels. Why
you’re not including the Payment OPTIONS through ‘MasterCards’ & ‘VISA DEBIT CARDS’
as well ?? Please arrange to INCLUDE such
Debit Card Variants too for the Benefits of your
Credit Card Holders.
Further, please encourage your Card Holders to OPT for PAPERLESS Monthly Statements to
SAVE the Greeneries. To help the Card Holders,
you must also Provide a ‘LINK’ through your ‘APP’ to ‘SHARE’ the respective Statements
to ENABLE them to ‘PRINT’ or ‘UPLOAD’ in
their MOBILE ‘Folder’ or ‘WhatsApp’. Please
Consider my above-mentioned Suggestions
for “HAPPY BANKING” by your Credit Card/s
Holder/s. With Thanks and Regards,
- Ashok Kumar Bhattacharyya.
10 APRIL 2024
1) RUPAY Debit Cards ONLY or 2) Internet Banking or UPI ID. I use MasterCard and VISA
Cards and always Avoid UPI Id Payments. So,
I’ve to Opt for Internet Banking Channels. Why
you’re not including the Payment OPTIONS through ‘MasterCards’ & ‘VISA DEBIT CARDS’
as well ?? Please arrange to INCLUDE such
Debit Card Variants too for the Benefits of your
Credit Card Holders.
Further, please encourage your Card Holders to OPT for PAPERLESS Monthly Statements to
SAVE the Greeneries. To help the Card Holders,
you must also Provide a ‘LINK’ through your ‘APP’ to ‘SHARE’ the respective Statements
to ENABLE them to ‘PRINT’ or ‘UPLOAD’ in
their MOBILE ‘Folder’ or ‘WhatsApp’. Please
Consider my above-mentioned Suggestions
for “HAPPY BANKING” by your Credit Card/s
Holder/s. With Thanks and Regards,
- Ashok Kumar Bhattacharyya.
10 APRIL 2024
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Always the best!!!
I have been a loyal American Express credit card holder for several years, and I have always been impressed with their exceptional services and kindness. The customer service representatives are always courteous, helpful, and efficient whenever I need assistance. Additionally, the rewards program and benefits that come with the card are truly valuable. The peace of mind and security that American Express provides are unparalleled, and I feel confident using my card for both everyday purchases and travel. I highly recommend American Express to anyone looking for a credit card with outstanding services and genuine kindness.
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Your New Update is almost perfect 😱👍
Latest Review: Brilliant Guys, The new update is smart, no more otp no more pass. simple touch id and logged in. easy to fetch statements, wow... keep it up. 🫠🤩 New Feedback: Your rewards & offers section wont work on MDM devices where Javascript is turned off" Web3 users do inbuilt in their browser. So dont make any changes to this app. your product team can rest this is great. but only rewards section needs to be opened from pc if script for java is disabled by mdm or security. Old Review: Especially to Product & Security Team You guys, in the name of security are use extra otp & password to login to the app. arre idiots, why the hell one will use the app then if they have to enter pasword & otp. stupid designs in over protecting the user you lost the smooth process of customer easy of using the app. its better we use website to login through browser.
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With new features frequently introduced and UI look and feel simplified dashboard view is helpful.
Constant upgrades to app and the new look has made it very easy to navigate, dashboard view is unique point amongst other apps. Amex needs to add additional functionality like raise ticket/ complaint, dispute charges, expense trend, menu listing all offers, etc
One feedback - with added security verification the card no should be displayed on app like some other banks do on mobile app
One feedback - with added security verification the card no should be displayed on app like some other banks do on mobile app
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PK Saini
Unmatched services along with unparalleled customer assistance since I am associated with Amex. Seven Happy and fully satisfied years. Whenever and wherever need arises Amex is there. My son was going abroad in 2019, and at the eleventh hour I was short of more than ten lakh rupees. Within a few minutes Amex increased limit of my card there my son goes to Southampton. All the tele-executives are keen in providing you solutions to your queries, are very well behaved, passionate, knowledgeable and their command over Hindi and regional languages is in no way less than their flawless English language.
My all family is enjoying privileges extended by Amex. Actually we love Amex and this is a reality that We can’t live without Amex.
Keep the good work up Amex.
My all family is enjoying privileges extended by Amex. Actually we love Amex and this is a reality that We can’t live without Amex.
Keep the good work up Amex.
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Worst User Interface and experience
At a time when making payment has become a swift process by simply using a customer id and a password or a PIN, this is the only age old app that requires me to take out my card, enter card number and if I am using my mobile, then the hassle is much more. What’s the point of being a premium financial services company when you can’t make the payment experience little easy and hassle free to people. Not everyone is carrying wallet all the time and May choose to make payment .. say sitting on a toilet seat. This is unbelievable and every time I make a payment, I curse this company and it’s age old pathetic user interface on the app or website for payments.
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Unavailable features on Amex
Though overall good card, but application is a bit backward. Now a days on payment gateway why details of card is required. Many cards just ask you to pay and payment gets linked. It’s kind of hassle to enter entire card details. I am using Amex less because of this.
Also payments made doesn’t get updated on card in real time. Many other cards get updated real time.
I expected Amex to be front leader rather than laggard.
Also payments made doesn’t get updated on card in real time. Many other cards get updated real time.
I expected Amex to be front leader rather than laggard.
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Extra payment taken wrongly
On thé 6th of Nov , I tried to make a purchase from Marks and spencer and the payment was just not going through and the page was blank after putting in the OTP after card details . Then a flash showed to cancel transaction and I clicked yes and this happened over 3 tries - it also flashed on my phone that no payment has been taken , hence I tried 3 times then stopped. I went onto my Amex site and saw the payment showed pending 3 times . Clearly felt this was an error and that payment would reflect cancelled later Next day I added an item to my order and placed it with another bank card.
I hot my delivery from marks and spencer and did not place an order after that. Today I got messages from marks and spencer about an order being shipped so wondered which one and checked - it was for the one that showed cancelled . 1 time order of ₹2322 approx. Then we checked their website and saw that order went through and then checked my Amex site and all 3 payment which reflected cancelled and pending , have been taken by you. WRONG WRONG WRONG. Please did this and cancel these payment transactions . Very upset .
I hot my delivery from marks and spencer and did not place an order after that. Today I got messages from marks and spencer about an order being shipped so wondered which one and checked - it was for the one that showed cancelled . 1 time order of ₹2322 approx. Then we checked their website and saw that order went through and then checked my Amex site and all 3 payment which reflected cancelled and pending , have been taken by you. WRONG WRONG WRONG. Please did this and cancel these payment transactions . Very upset .
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Do not buy Third party services offered by Amex
Any services from Amex is good apart from services involving 3rd party services provided.
I had purchased a term plan in PnB MetLife via Amex, and there was a lot of promises made by Amex itself (Best offer, dedicated helpline and customer care number for Amex user , and so on)
Following up on a matter for past 4 weeks and making 8 calls, finally got a call saying you have to check with PnB for this issue . When call PnB customer care they informed that you have to check with Amex team as they have provided you this offer. (In my term plan it mentions that I will never get my premium amount back even after the maturity of the term plan- I’m paying around 60k per year and they say there is no refund if I surrender or end maturity)
Request you to read the fine lines of these documents very carefully or you will be cheated.
I had purchased a term plan in PnB MetLife via Amex, and there was a lot of promises made by Amex itself (Best offer, dedicated helpline and customer care number for Amex user , and so on)
Following up on a matter for past 4 weeks and making 8 calls, finally got a call saying you have to check with PnB for this issue . When call PnB customer care they informed that you have to check with Amex team as they have provided you this offer. (In my term plan it mentions that I will never get my premium amount back even after the maturity of the term plan- I’m paying around 60k per year and they say there is no refund if I surrender or end maturity)
Request you to read the fine lines of these documents very carefully or you will be cheated.
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Chat agents and customer service on call
The agents are really well trained to provide excellent customer service experience to its customers
The last agent was very friendly and to the point and answered all the queries well on time the next part was the system is so up to date that there is no delay in response he was in touch with me all through out even when he was looking for the information I should really give ur training to other bank customer service specially sbi
Even when I was about to deactivate the Amex card as I cudnt pay the fees still the agent spoke so nicely to me I will never forget that he was simple the best and u need to give him some allowance he changed my mind and as u see I still have the card
The last agent was very friendly and to the point and answered all the queries well on time the next part was the system is so up to date that there is no delay in response he was in touch with me all through out even when he was looking for the information I should really give ur training to other bank customer service specially sbi
Even when I was about to deactivate the Amex card as I cudnt pay the fees still the agent spoke so nicely to me I will never forget that he was simple the best and u need to give him some allowance he changed my mind and as u see I still have the card
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Worst credit card company. Wort experience. Big manipulators.
This company only tricks and loot you by all means possible unless you are capable of paying out your all amount of bill within the same month. Otherwise you are hugely trapped. Don’t even think about paying in instalments, your 1 product bought will become double the cost or more.
You keep paying finance charges but the amount will never come down. That’s where u are trapped. Now you are paying around 5000 or more with 4-5 types of GST’s every month only interest including your monthly instalment but your bill is still intact. It’s clearly a trap with stupid logics they give.
And logically people who can afford to easily pay it by the same month would use a debit card instead.
They lure their customers about gaining points which is like gaining peanuts after spending thousands or lakhs. Not worth it. I highly recommend not to own this card. Otherwise good luck being trapped even after being a loyal customer for years. They don’t care at all about their customers.
You keep paying finance charges but the amount will never come down. That’s where u are trapped. Now you are paying around 5000 or more with 4-5 types of GST’s every month only interest including your monthly instalment but your bill is still intact. It’s clearly a trap with stupid logics they give.
And logically people who can afford to easily pay it by the same month would use a debit card instead.
They lure their customers about gaining points which is like gaining peanuts after spending thousands or lakhs. Not worth it. I highly recommend not to own this card. Otherwise good luck being trapped even after being a loyal customer for years. They don’t care at all about their customers.
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Best Credit card app among peers
I am using almost all credit cards. Amex mobile app is really good in all ways. Recently it introduced notification based in app approval for online purchase. Its nice idea. There is some issue which need to improve with this feature It does not pop up notification approval screen on iphone x (ios) if app does not have active session and already opened.
Also It should provide Amex running offers in app itself with separate tab or somewhere on screen to easily check and utilise.
Happy with Amex services and really appreciate customer care quick response on issues. Keep it up good work
Also It should provide Amex running offers in app itself with separate tab or somewhere on screen to easily check and utilise.
Happy with Amex services and really appreciate customer care quick response on issues. Keep it up good work
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Not the best as the claim
1. Had bad experience when a fraudulent transaction occurred there fraud team without contacting closed ticket.
2. SpiceJet vouchers issues as bouns is only 10k for domestic travel. How is some one going to use all the amount for one passenger within India?
3. No option to choose spice max seat which is available on all other portal. So essential I lost 3k out of the 10k on buying economy class ticket with Spice Jet. ( What type of deal is this-forced to choose economy and then forfeit the voucher). All other major portal allows to book spice max seats but not American Express portal.
4. No option to buy domestic travel insurance. Now how it works in India is that you can’t buy domestic insurance from out side and can only be brought at the time of Booking air ticket. All major portal allows it but not American Express portal.
The only pro I see is their customer care executive can talk better and are available 24*7.
But that’s doesn’t come before service. The services are pathetic and designed in a way to eyewash offers which are difficult to redeem and used only as marketing gimmicks.
I would rather use a card that provides me better benefits with a little inferior customer care services than vice versa.
I had escalated it to there grievance team as well as head team. But yeah only the assurance for incorporating in future came as a reply.
Improve your game Amex.
2. SpiceJet vouchers issues as bouns is only 10k for domestic travel. How is some one going to use all the amount for one passenger within India?
3. No option to choose spice max seat which is available on all other portal. So essential I lost 3k out of the 10k on buying economy class ticket with Spice Jet. ( What type of deal is this-forced to choose economy and then forfeit the voucher). All other major portal allows to book spice max seats but not American Express portal.
4. No option to buy domestic travel insurance. Now how it works in India is that you can’t buy domestic insurance from out side and can only be brought at the time of Booking air ticket. All major portal allows it but not American Express portal.
The only pro I see is their customer care executive can talk better and are available 24*7.
But that’s doesn’t come before service. The services are pathetic and designed in a way to eyewash offers which are difficult to redeem and used only as marketing gimmicks.
I would rather use a card that provides me better benefits with a little inferior customer care services than vice versa.
I had escalated it to there grievance team as well as head team. But yeah only the assurance for incorporating in future came as a reply.
Improve your game Amex.
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Rectified: Amex app not working with iOS 13.3
My earlier feedback about app not working on 13.3. I have solve the problem by uninstalling & reinstalling the app !!!
However, I am not sure why it happened, happy to see that it is working now😀
I regularly update the iOS and app versions when they arrive. And so recently, I have updated iOS 13.3. For some reason and from my observation the Amex app doesn’t stay online, it just closes once I open the app after OS upgrade. Not sure whether it is known bug, need to check & fix if any such issues. Now, I can’t use the app. Please do the needful.
However, I am not sure why it happened, happy to see that it is working now😀
I regularly update the iOS and app versions when they arrive. And so recently, I have updated iOS 13.3. For some reason and from my observation the Amex app doesn’t stay online, it just closes once I open the app after OS upgrade. Not sure whether it is known bug, need to check & fix if any such issues. Now, I can’t use the app. Please do the needful.
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Very High Financial Charges
Amex financial charges are very high around 3.5% plus GST. Minimum payment is also high but the best part is that if you don’t pay full outstanding amount they will charge 3.5% on total outstanding and not on reduced amount. For example: bill outstanding INR 5 lakhs and minimum payment paid INR 2 lakhs so they have to charge financial charges on balance 3 lakhs but they charge on total 5 lakhs. They claim it is as per their company policy but can’t do anything about it. They have to reasonable and charge on the balance amount.
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Very ethical and professional services
I’ve been using their credit card for almost 7 years now and they have come a long way since they started offering credit cards India. Their business practices are ethical and professional. No nonsense and always available for help. Back end people are highly polished and professional in responding to queries and extremely polite. Perhaps the best credit card services being offered in India so far. Excellent rewards program and referral benefits. Good luck!
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Very Poor Acceptability
Have been raising this concern over Last two years but no one is bothered & standard answer is Sir we are on the job and situation will be better in 2-3 months, come on Guys stop fooling customers & make your services better by doing your job & simplify things for your customers by reducing 6 transactions back to 4 for bonus points. There is no point in increasing the swipes if it is not even accepted at over 50% places I transact at. I am watching services for some more time before I and my friends opt out of Amex card.
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Pathetic Customer Service and Unsecured Cards
AMEX claims to be one of the best in the industry but seems it is not true, they are among the worst. Recently exploring a booking on a travel portal and found card is registered on the app of travel portal. Just to check the security of card processed the transaction with wrong CVV and to my surprise transaction gone through. I have contacted AMEX multiple times and executive keep assuring transaction is not valid as CVV is wrong but surprisingly found charges initiated against the transaction. I have the raise the concern again with CC team and found AMEX doesn’t validate the CVV or anything other than Card number and Expiry date. Executive tells to contact seller as it is up to seller. Please don’t use AMEX cards, it is not safe at all and AMEX expect customer to know the details which their own executives don’t know.
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