Amex Customer Care India: American Express Credit Card Complaint Number, Email and Grievance Redressal Steps (2026)
News
by
Wisor
A charge on your American Express card you don't recognise. Membership Rewards points that didn't credit, a fee you weren't expecting, or a dispute that's been open too long. You've called Amex customer care, and it's still not fixed.
American Express cards in India are issued by American Express Banking Corp., a foreign bank regulated by the RBI. Its grievance process has five levels inside the bank, more than most Indian banks, and every level has its own email and phone number. Here's how to raise an Amex credit card complaint and escalate it.
Amex customer care India: quick contacts
Level | Who | Phone | |
|---|---|---|---|
1 | American Express Helpline | Online complaint form, or chat in the Amex App | 1800 419 3646 (24x7, toll-free) |
2 | Manager – Executive Correspondence Unit | Manager-Customerservicesindia@aexp.com | +91 124 6702523 |
3 | Head of Customer Service | Head-Customerservicesindia@aexp.com | +91 124 6702527 |
4 | Nodal Officer | AEBCNodalOfficer@aexp.com | +91 124 6702386 |
5 | Principal Nodal Officer | pnoindia@aexp.com | +91 124 6702638 |
6 | RBI Ombudsman | crpc@rbi.org.in | 14448 (help only) |
– | Insurance complaints | Insurance.complaints@aexp.com | – |
The phone lines for Levels 2 to 5 are open Monday to Friday, 8:30 am to 5:00 pm. All details are from American Express India's customer complaint and grievance redressal policy.
For card fraud, call the helpline straight away to block your card, then also report it on the National Cyber Crime Helpline, 1930.
How to raise an Amex credit card complaint: step by step
Level 1: American Express Helpline
Call: 1800 419 3646, 24x7 and toll-free (also printed on the back of your card)
Chat: Mobile Messaging in the Amex App, available 24x7
Online: the complaint form on Amex's website
Branch: the complaint register at an Amex branch
Note down your complaint reference number.
Level 2: Manager – Executive Correspondence Unit
If you're not satisfied with the helpline's response, escalate to the Manager – Executive Correspondence Unit:
Email: Manager-Customerservicesindia@aexp.com
Phone: +91 124 6702523 (Monday to Friday, 8:30 am to 5:00 pm)
Amex says these escalation contacts are only for grievances. For general queries, use the helpline.
Level 3: Head of Customer Service
For further escalation:
Email: Head-Customerservicesindia@aexp.com
Phone: +91 124 6702527 (Monday to Friday, 8:30 am to 5:00 pm)
Level 4: Nodal Officer
If you're still not satisfied:
Email: AEBCNodalOfficer@aexp.com
Phone: +91 124 6702386 (Monday to Friday, 8:30 am to 5:00 pm)
Level 5: Principal Nodal Officer
The final level inside American Express:
Email: pnoindia@aexp.com
Phone: +91 124 6702638 (Monday to Friday, 8:30 am to 5:00 pm)
Postal address for Levels 2 to 5: American Express Banking Corp., Cyber City, Tower C, DLF Bldg. No. 8, Sector 25, DLF City Phase II, Gurgaon – 122002 (Haryana). Address your letter to the right level.
If Amex decides to reject your complaint fully or partly, RBI rules require its Internal Ombudsman to review it before the final reply. That happens inside the bank; you don't need to apply for it.
Level 6: RBI Ombudsman
Amex's policy says that if you're not satisfied with its resolution, or you haven't had a response within 30 days of logging your complaint, you can approach the RBI Ombudsman:
Online: cms.rbi.org.in, where you can also track your complaint
Email: crpc@rbi.org.in
Help line (not for filing): 14448
Post: Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017
You must file within 90 days of the bank's timeline expiring or its last reply, whichever is later. It's free, and you don't need a lawyer or an agent.
Insurance and credit report complaints
Insurance bought through Amex: email Insurance.complaints@aexp.com. Amex says these are resolved within 14 days, as IRDAI requires.
Errors on your credit report: under RBI's rules, if a credit report complaint isn't resolved within 30 calendar days, you're entitled to compensation for the delay. Amex's policy says it credits any such compensation to your bank account or card account within 5 working days of resolving the complaint.
What changed with the RBI Ombudsman in July 2026
The Reserve Bank – Integrated Ombudsman Scheme, 2026 replaced the 2021 scheme from 1 July 2026:
2021 scheme | 2026 scheme | |
|---|---|---|
Deadline to go to the Ombudsman | Within a year | Within 90 days of the bank's timeline expiring or its last reply, whichever is later |
Compensation for consequential loss | Up to ₹20 lakh | Up to ₹30 lakh |
Compensation for time, expenses and harassment | Up to ₹1 lakh | Up to ₹3 lakh |
Your rights on common Amex credit card complaints
Problem | What the RBI rules say |
|---|---|
Card not closed after you asked | The bank must close it within 7 working days of your request (once dues are cleared), or pay you ₹500 a day until it's closed |
Unauthorised transaction | Report it within 3 working days of the alert and your liability is zero |
Card charged but merchant not paid | POS and online card payments must be reversed within T+5 days, or the bank pays ₹100 for every day of delay |
Changes to charges | The bank must tell you at least 30 days before a change in charges takes effect |
How to write an Amex complaint that gets resolved
Your name, registered mobile number and email
The last few digits of your Amex card (never the full card number)
Transaction date, amount and reference number
Every earlier complaint number, with copies of Amex's replies
What went wrong, and the exact fix you want ("credit the 5,000 Membership Rewards points missing from my September statement", not "fix my points")
Statements, SMS alerts and screenshots as proof
FAQs
What is the American Express customer care number in India?
1800 419 3646. It's toll-free and available 24x7, and it's also printed on the back of your card.
Is Amex customer care available 24x7?
Yes. The helpline (1800 419 3646) and chat in the Amex App are both available 24x7. The escalation phone lines for Levels 2 to 5 are open Monday to Friday, 8:30 am to 5:00 pm.
What is the American Express complaint email ID in India?
To escalate a complaint, email Manager-Customerservicesindia@aexp.com (Level 2), then Head-Customerservicesindia@aexp.com (Level 3), AEBCNodalOfficer@aexp.com (Level 4) and pnoindia@aexp.com (Level 5).
What is the email ID of American Express's Principal Nodal Officer?
pnoindia@aexp.com. You can also call +91 124 6702638 (Monday to Friday, 8:30 am to 5:00 pm).
How many escalation levels does American Express have?
Five inside the bank (helpline, Executive Correspondence Unit, Head of Customer Service, Nodal Officer and Principal Nodal Officer), plus the RBI Ombudsman as Level 6.
How long do I have to go to the RBI Ombudsman?
You can go if Amex hasn't responded within 30 days. You must file within 90 days of the bank's timeline expiring or its last reply, whichever is later.
