Amex Corporate Purchasing Card Review: Fees, Features & Benefits

Explore the American Express Corporate Purchasing Card for India. Learn about its ₹2,100 annual fee, 51-day credit period, and procurement management features.

Vyaya Team · Mar 2026

5 min read

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Value Score

6.5 / 10

Annual Fee

₹2,100

Best For

Procurement Managers, Large Enterprises

Network

American Express

Expert Verdict

REWARD SUMMARY

1% Base Rewards
Streamline your procurement process with greater control and savings.

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The Bottom Line

The American Express Corporate Purchasing Card is a specialized tool for B2B procurement rather than a traditional reward-earning credit card. It excels in spend visibility and control but offers zero reward value for individual users. With a ₹2,100 annual fee, it offers spend control and solid everyday value. For anyone researching amex corporate purchasing card, the verdict is simple: conditional.

It earns a base reward rate of 1% and stacks best when your spending lines up with Procurement Managers, Large Enterprises.

What we like

+Up to 51 days of interest-free credit period for better cash flow management.

+Detailed itemized transaction reporting for simplified reconciliation.

+Customizable spending limits and merchant-specific controls.

+Integration with Corporate Account Reconciliation (CAR) tools.

+24/7 Global Assist Hotline for emergency medical and legal referrals.

What we don't

–Not eligible for the Membership Rewards program.

–No complimentary airport lounge access.

–High foreign currency markup of 3.5%.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Procurement Managers

Designed to consolidate supplier payments and automate the reconciliation process.

Best value above ₹5,00,000/month

Large Enterprises

Ideal for companies with high annual revenue (>₹2.75cr) looking to decentralize purchasing while maintaining control.

Best value above ₹10,00,000/month

Probably not for

Skip

–

Reward Seekers

This card is a procurement tool and does not earn Membership Rewards points.

–

Frequent Business Travelers

Lacks travel perks like lounge access or accelerated travel rewards.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Reward Rates

American Express Corporate Purchasing Card offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Where

Amount

₹

Flat 1% on all spends

Fees & Charges

Joining fee₹0

Annual fee₹2,100

Fee waiverN/A

Eligibility

Min Credit Score: 700
Company annual revenue must be more than ₹2.75 crore. Business must be operational in serviceable cities. Typically requires a minimum of 15 active cardholders for the program.

Exclusions & Terms

All spends (Purchasing Card is ineligible for MR program)

Frequently Asked Questions

3 data-backed answers from our card database

Does the Amex Corporate Purchasing Card earn reward points?+

No, the Corporate Purchasing Card is specifically excluded from the American Express Membership Rewards program in India.

What is the annual fee for this card?+

The standard annual fee is ₹2,100 plus GST, though this may vary based on the corporate agreement between the company and American Express.

What is the interest-free period?+

The card offers an interest-free credit period of up to 51 days.

Ready to apply?

₹2,100 fee. Excellent rewards. Apply now securely.

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