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I hereby notify you of my decision to terminate the contract relating to the American Express service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation American Express: Easy Method
What is American Express (India)
Overview
American Express (India) issues charge and credit cards that offer rewards, travel perks and lifestyle benefits to cardholders in India.
Cards carry annual membership fees for most products and are governed by Amex India terms, EMI rules and applicable RBI directions.
Who this guide is for
This guide explains how to cancel an Amex card in India, what to expect about balances, EMIs, rewards and refunds, and how to escalate unresolved issues.
It is based on Amex India customer-service and EMI terms and public user reports current at the time of writing.
How to cancel American Express (India)
Preparation steps
- Clear all outstanding card balances before requesting cancellation.
- Foreclose any active EMI facility during the cancellation request; EMI must be closed as part of cancellation.
- Redeem Membership Rewards points within 30 days of cancellation; unredeemed points are forfeited after that window.
How to place the cancellation request
- Call Amex customer service or use the Amex online account portal to submit a cancellation request.
- Confirm EMI foreclosure and any remaining dues with the agent or via the online workflow before finalising cancellation.
- Ask for a written confirmation (email or message) that the account is closed and request the closure reference number.
What happens when you cancel
Access and account status
Once closed, you will no longer be able to use the card for transactions; recurring charges should stop but verify with merchants.
Amex will record the account as closed; retain confirmation for future reference and credit-report checks.
Rewards, EMIs and balances
Membership Rewards points must be redeemed within 30 days of cancellation or they will be forfeited.
Any active EMI must be foreclosed during cancellation; unresolved EMIs may delay or prevent completion of closure.
Will I get a refund?
General refund policy
There is no universal 14-day money-back right for Amex card issuance in India; refunds depend on merchant policies and specific product terms.
Annual fees already charged are normally governed by the card terms and Amex policies; request fee reversal explicitly if you believe a refund is due.
EMI and merchant refunds
- If a merchant issues a full refund for an EMI transaction, processing and foreclosure fees will be reversed only if you request foreclosure within 30 days.
- Refunds from merchants should be adjusted against outstanding dues first according to RBI master directions; monitor your statement and raise disputes promptly.
American Express plans and pricing
Annual membership fees (selected cards)
| Plan | Price | Period | Features |
|---|---|---|---|
| Platinum Charge Card | ₹66,000 + GST (~₹77,880 total annually) | Annual | Ultra premium card; high lifestyle & hotel benefits |
| Membership Rewards® Credit Card | ₹1,000 (1st year), ₹4,500 thereafter | Annual | Rewards card with point-earn and fee-waiver options |
| SmartEarn™ Credit Card | ₹495 | Annual | Accessible rewards card; fee waived on ₹40K spend |
| Platinum Reserve Credit Card | ₹5,000 (1st year), ₹10,000 thereafter | Annual | Travel perks, airport lounge access |
| Gold Credit Card | ₹4,500 | Annual | Everyday spend rewards, mid-tier perks |
| Platinum Travel Credit Card | ₹3,500 (1st year), ₹5,000 thereafter | Annual | Travel-focused rewards and point accumulation |
Notes on pricing
These are published annual membership fees for selected Amex cards in India as documented by Amex and expert sources.
Mobile apps are free to download; there is no separate app-store subscription pricing for card membership.
Your consumer rights in India
Regulatory framework
RBI master directions require refunds to be adjusted against outstanding dues before levying further charges in many cases.
If Amex does not resolve a complaint within the prescribed timeline, customers can escalate to the appropriate RBI Ombudsman.
Practical rights and escalation
- Raise the issue with Amex customer service and keep written records of communications.
- If unresolved, use Amex's grievance-redressal process; escalate to the RBI Ombudsman after 30 days per standard banking dispute procedure.
Customer experiences
Positive reports
Some customers report smooth and prompt cancellation experiences with no retention attempts for certain cards.
Other users note the card's value for rewards or as a financial backup despite costs in some years.
Negative reports
- Complaints include difficult customer service interactions, unexpected fees, and problems with EMI reversals after merchant refunds.
- Users have reported abrupt cancellations after fee charges and limited merchant acceptance in some locations.
Documentation checklist
Identity and account info
- Registered mobile number and email used on the account.
- Card number (last 4 digits) and account/customer ID if available.
Proofs and confirmations
- Clearance of outstanding balance or settlement receipt if you paid any dues.
- Written confirmation of EMI foreclosure (if applicable) and cancellation reference number from Amex.
Common mistakes
Forgetting EMIs or balances
Attempting to cancel without foreclosing EMIs or clearing balances can delay closure and lead to continued charges.
Always confirm EMI foreclosure during the cancellation request to avoid residual obligations.
Not redeeming rewards or getting written confirmation
Failing to redeem Membership Rewards within 30 days of cancellation leads to forfeiture of points.
Not obtaining written confirmation of cancellation can make future disputes harder to resolve.
Comparative recap
Quick comparison
| Item | How Amex (India) handles it | Key note |
|---|---|---|
| Cancellation method | Via customer service or online account portal | Not handled through App Store / Google Play subscriptions |
| EMI on cancellation | Must be foreclosed during closure | Foreclosure required to reverse some fees and finish closure |
| Rewards | Redeem within 30 days of cancellation | Unredeemed points are forfeited after 30 days |
| Refunds | Dependent on merchant / product terms | No blanket 14-day refund right; check merchant policy |
Final takeaway
Prepare by clearing balances, foreclosing EMIs and redeeming rewards before you cancel to avoid common problems.
Keep written confirmations and escalate via Amex grievance policy or RBI Ombudsman if needed.
After cancelling
What to check immediately
- Confirm account closure reference and keep the email/SMS confirmation.
- Monitor statements for any residual charges or refunds and raise disputes promptly.
Useful official links
Amex cancellation instructions and guidance: American Express - Card cancellation (India)
EMI terms and conditions: American Express - EMI terms (India)
Amex customer complaint & grievance policy: American Express - Grievance redressal (India)
Address
Registered / operations contact
American Express Banking Corporation
MGF Metropolitan, 7th Floor, Office Block, District Center, Saket, New Delhi 110017, India
Notes
Use the official customer-service channels and the grievance process for written escalation. Retain receipts and confirmation numbers for any future dispute.