The festive season is here. The Government has played its role by reducing the GST rate on many products. Brands and marketplaces are showering customers with discounts and cashback offers. Banks are sweetening the deals by offering instant discounts and spend-based offers on credit cards.
In this article, we will examine the festive spend-based offers that American Express has rolled out to its credit cardholders.
American Express festive offers
The American Express spend-based credit card offer is one of the most highly anticipated offers that many of their credit cardholders eagerly await. American Express rolls out spend-based credit card offers during the festive season, usually in September or October every year.
For 2025 also, American Express has rolled out credit card spend-based offers before the start of festive sales by marketplaces like Amazon, Flipkart, etc. Eligible credit cardholders have received one of the nine offers. Every eligible credit cardholder has been given a choice of two offers. A cardholder can choose to qualify for any one of the two offers, based on the amount spent during the offer period.
Spend-based offers
The following is a list of the nine spend-based credit card offers that American Express has rolled out to its cardholders.
|
Offer No. |
Eligible spends |
Reward amount |
Reward rate |
|---|---|---|---|
|
1 |
Rs. 25,000 |
Rs. 1,000 |
4% |
|
Rs. 50,000 |
Rs. 1,500 |
3% |
|
|
2 |
Rs. 50,000 |
Rs. 1,500 |
3% |
|
Rs. 1,00,000 |
Rs. 3,000 |
3% |
|
|
3 |
Rs. 1,00,000 |
Rs. 3,000 |
3% |
|
Rs. 2,00,000 |
Rs. 6,000 |
3% |
|
|
4 |
Rs. 2,00,000 |
Rs. 6,000 |
3% |
|
Rs. 3,00,000 |
Rs. 10,000 |
3.33% |
|
|
5 |
Rs. 3,00,000 |
Rs. 10,000 |
3.33% |
|
Rs. 4,00,000 |
Rs. 12,000 |
3% |
|
|
6 |
Rs. 4,00,000 |
Rs. 12,000 |
3% |
|
Rs. 5,00,000 |
Rs. 15,000 |
3% |
|
|
7 |
Rs. 5,00,000 |
Rs. 15,000 |
3% |
|
Rs. 7,00,000 |
Rs. 20,000 |
2.86% |
|
|
8 |
Rs. 7,00,000 |
Rs. 20,000 |
2.86% |
|
Rs. 10,00,000 |
Rs. 30,000 |
3% |
|
|
9 |
Rs. 10,00,000 |
Rs. 30,000 |
3% |
|
Rs. 15,00,000 |
Rs. 35,000 |
2.33% |
(Source: American Express India website)
The table above shows that, based on the offer received, a cardholder can earn a reward rate of 2.33% to 4% by making the required spends during the offer period.
For example, one American Express credit cardholder received the following spend-based offer.
The above image shows, the cardholder can qualify for one of the two offers:
- Spend Rs. 50,000 and earn gift vouchers worth Rs. 1,500, or
- Spend Rs. 1,00,000 and earn gift vouchers worth Rs. 3,000
The above offer provides the cardholder with an additional 3% reward rate, in addition to the regular rewards they receive on the card.
Redemption options
On fulfilling the required spends during the offer period, as a reward, the cardholder will get a promo code. The promocode can be redeemed against gift vouchers of specified brands for a specified amount (offer reward amount). The cardholder can choose from the following gift voucher brands to redeem the promo code:
- Amazon
- Flipkart
- Reliance Smart
- Bigbasket
- Zepto
- Swiggy
- Zomato
- Blinkit
- Uber
- Air India
- Cleartrip
- MakeMyTrip
- ITC Hotels
- Reliance Digital
- Croma
- Vijay Sales
- Tata CliQ
- Nykaa
- Lifestyle
- BookMyShow
The above list of redemption options shows that the user has enough options spread across various categories for redeeming the promo code. The categories include marketplaces, groceries, food delivery, travel, electronics and consumer durables, fashion, movies, etc.
Offer duration
The spends required for fulfilling the offer must be completed between 15th September to 25th October 2025. Every cardholder has been sent two offers, out of which they can choose to fulfil any one offer. Offer registration is mandatory.
A participating cardholder can register for the offer using the enrolment link communicated directly by American Express through any of its marketing channels, such as email. Post enrolment, you will get an email with a confirmation. Keep the email as a record of your enrolment. All spends made after enrolment will be counted towards the fulfilment of the spend-based offer.
Customised offer
The offer does not apply to all American Express credit cardholders. The offer is customised for every credit cardholder and communicated to them. Only those credit cardholders who have received the offer communication from American Express and have enrolled for it are eligible for the offer.
Some American Express customers hold multiple credit cards. In such a scenario, the offer email communication from American Express will mention the last five digits of the credit card for which the offer is applicable. The cardholder must enrol for the offer using the details of the card eligible for the offer. The spends made from the eligible and enrolled credit card will be considered. The spends made with the add-on or supplementary card(s) linked to the eligible primary card will be counted.
Offer fulfilment
American Express credit cardholders who have successfully made the offer-required spends will receive the promo code by 15th December 2025. American Express will send the promo code to the cardholder’s registered email address. The promocode will have a validity of 25 days from the date of issuance. The cardholder can redeem the promo code for gift vouchers of their choice from the list of brand gift vouchers listed in the above section.
Participation in the spend-based offer is voluntary, and cardholders are not bound in any manner to participate in it.
Have you received your offer?
As every year, American Express has rolled out its much-anticipated spend-based offer to its credit cardholders. The offer is customised and sent to eligible cardholders. If you are an American Express credit cardholder, check your email for your customised spend-based offer. Ensure that you enrol for the offer before you start spending to fulfil the offer.
The offer can help you earn an additional 2.3% to 4% in value back, depending on the amount you spend and the reward amount you receive. The value back will be in the form of a promo code that can be redeemed for a gift voucher(s) of choice from the list of specified brands.
Gopal Gidwani is a freelance personal finance content writer with 15+ years of experience. He can be reached on LinkedIn.
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