americanexpress.co.

in
American Express Banking
American Express® Platinum Travel Credit Card Corp.
Cyber City, Tower C
Statement of Account DLF Bldg No. 8, Sector - 25
Gurgaon - 122002
For any queries, please call us
on: +91-124-670-2929
Page 1 of 5 (Toll Free): 1800 419 2122
Prepared for Membership Number Date
KASA KISHORE KUMAR XXXX-XXXXXX-01007 14/01/2024
11164055403
Opening Balance Rs New Credits Rs New Debits Rs Closing Balance Rs Min Payment Due Rs

40,803.31 - 40,804.00 + 56,857.18 = 56,856.49 41,609.78

Minimum Payment Due

Statement includes payments and charges received by January 14, 2024
February 1, 2024
Making only the minimum payment every month would result in the repayment stretching over months/years with consequential compounded interest payment on your outstanding
balance. For more details on this refer to the Most Important Terms & Conditions (MITC).
1 The Minimum Payment Due on the Card includes the installment(s) amount due from any installment plans, minimum amount payable on regular Card charges & 100% of all fees & interest
along with applicable GST.
2 The New Debits is the sum of all installments due and the new debits in the current statement period.
3 The closing balance is the sum total of all installments due and the ending balance of all regular charges as on the statement date

Thank you for using the American Express Card. We would appreciate receiving your payment of Rs. 41,609.78 by
01/02/2024.

Statement Period From December 15 to January 14, 2024

Credit Summary Credit Limit Rs Available Credit Limit Rs

At January 14, 2024 470,000.00 257,545.52

Current Rates of Interest Monthly Rate Goods And Services 3.50%

Monthly Rate Installment Sweep Plan 0.00%
Monthly Rate Cash Transactions 3.50%
Monthly Rate Balance Transfer 3.50%

Installment Plan Summary Original Interest Current Installment Installment Made up of: GST/IGST
Amount Rs Rate(PM) Balance Rs Number Amount Rs Principal Interest (@18%)
AMERICAN EXPRESS EMI 233,509.10 1.17% 155,597.99 2 of 6 40,523.00 38,946.46 1,576.54 283.78
Summary 233,509.10 155,597.99 40,523.00 38,946.46 1,576.54 283.78

Details Foreign Spending Amount Rs

December 24 PAYMENT RECEIVED. THANK YOU 40,804.00

Card Number XXXX-XXXXXX-01007 CR
New domestic transactions for KASA KISHORE KUMAR 0.00
December 15 AMERICAN HEALTH INFORMA CHICAGO 185.30 16,050.40
UNITED STATES DOLLAR

New overseas transactions for KASA KISHORE KUMAR 16,050.40

......
Please return this advice
Payment Advice with your payment.

Make a crossed cheque payable to "AEBC Card # Minimum Payment: Rs 41,609.78 Please do not send
<enter your 15-digit Card number beginning with 37 or Due by February 1, 2024 postdated cheques.
34>."
Enter amount enclosed Rs

KASA KISHORE KUMAR

Ë%%Ì

H NO 4-38/5/D,ROAD NO 3 DUBEY CLY Send payment to:

SERILINGAMPALLY OPP LINGAMPALLY
RAILYWAY STN LINGAMPALLI K V RANGAR AMERICAN EXPRESS BANKING CORP.
HYDERABAD TG 500019 CYBER CITY, TOWER C, DLF BLDG NO.8
SECTOR-25, DLF CITY PH II
GURGAON - 122002

Incorporated with limited liability in the USA

 American Express® Platinum Travel Credit Card
Statement of Account .

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Details Foreign Spending Amount Rs

Installment Plan Transactions

January 14 INSTALLMENT PRINCIPAL AMOUNT 38,946.46
January 14 FINANCE CHARGES 1,576.54
January 14 GST/IGST@18% 283.78
Total of Installments (includes GST levied) 40,806.78

TOTAL OVERSEAS SPEND IN CURRENT MONTH 16,050.40

Payment Information - Payment for the minimum due must be Drop Boxes - For locations, please visit americanexpress.co.in.
received, in Indian Rupees, by the due date. UPI (Unified Payment Interface) - American Express UPI VPA is
Payment Methods - You can pay by any of these convenient methods. AEBC3XXXXXXXXXXXXXX@SC (please ensure to include your
National Electronic Funds Transfer (NEFT) complete 15-digit Card number beginning with 37 or 34).
The NEFT details are as follows: Direct Debit - You may also enroll for direct debit each month from
Payee Name - American Express your Bank account and credit the Card Account with the total amount
Payee Account No - 3XXXXXXXXXXXXXX (please ensure to include due in the monthly statement through the National Automated
your complete 15-digit Card number beginning with 37 or 34). Clearing House(NACH) introduced by the Reserve Bank of India (RBI).
IFSC Code - SCBL0036020 Mailing Preference - If you do not wish to be contacted for
Name of Bank & Branch - Standard Chartered Bank; Narain Manzil, promotional or marketing offers, or wish to change the address or
23 Barakhamba Road, New Delhi 110001 phone number on your account, please call us at the numbers
Payee Account Type - Current mentioned on the back of your Card.
Online - Pay your Card bill, online anywhere anytime in three simple Foreign Exchange Currency Charges The total amount of Foreign
steps. Just log on to americanexpress.co.in. Click on 'Pay your bill Currency charges shown include the Currency Conversion Factor
now'. Then fill in your Card details and the bank account from which Assessment of 3.5% plus applicable GST.
you would like to make the payment. Permanent Account Number (PAN) - AAGCA9055N
We also accept payments through following electronic modes: GSTIN - 06AAGCA9055N1Z8
(i) Debit Card powered by RuPay; Category: Credit-granting services including stand-by commitment,
(ii) UPI/BHIM-UPI Quick Response Code (QR Code) guarantees & securities (SAC - 997113). Due to system limitation,
Important note : In case you are making a payment via Standard GST/IGST is being charged at consolidated amount @18%. Where the
Chartered Online Banking, the IFSC code is not required. You may place of supply is in Haryana GST comprises of Central Goods and
select the option 'Transfer to another SCB bank account' to process Services Tax (CGST) @9% + Haryana State Goods and Services Tax
the payment. Simply initiate your funds transfer before 5:00 pm for (SGST) @9%; where the place of supply is outside of Haryana GST
next day credit to your American Express Card excluding Sunday and comprises of Integrated Goods and Services Tax (IGST) @18%.
banking holidays. Also please make sure to put in the correct Card We are here to help - For any additional information or assistance,
number to avoid a transaction failure. please call our helpline number updated on americanexpress.co.in
 American Express® Platinum Travel Credit Card
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CardMember Offers and Information

Grievances Redressal Escalation:

In the event that you are not satisfied with our services, you may register your grievance to:
First Level Escalation:
Manager - Executive Correspondence Unit
American Express Banking Corp.
Cyber City, Tower C, DLF Bldg No.8
Sector 25, DLF City Ph II
Gurgaon – 122002 (Haryana)
Telephone No. 0124-670 2523 (Monday to Friday 8:30 to 5:00 pm) / E-mail: Manager-Customerservicesindia@aexp.com

For further escalation of grievances, the same can be addressed to:

Ms. Priyameet Kaur
Head of Customer Service
American Express Banking Corp.
Cyber City, Tower C, DLF Bldg No.8
Sector 25, DLF City Ph II
Gurgaon – 122002 (Haryana)
Telephone No. 0124-670 2527
(Monday to Friday 8:30 to 5:00 pm)
Email: Head-Customerservicesindia@aexp.com

Nodal Officer
Name: Mr. Ashish Pandey
E-mail ID: AEBCNodalOfficer@aexp.com
Telephone no: 0124-670 2638
(Monday to Friday 8:30 to 5:00 pm)
Address: American Express Banking Corp.
Cyber City, Tower "C", DLF Bldg. No.8, Sector - 25, DLF City Phase - II,
Gurgaon - 122002 (Haryana)

Banking Ombudsman Scheme

If you are not satisfied with redressal of the complaint provided by Bank or if you have not received a response from Bank
within one month i.e., 30 days of logging a complaint with us, you may approach the Office of Banking Ombudsman for
Grievance Redressal. The complaint can be made to the Office of Banking Ombudsman with the complete transaction and
other requisite details. (The 30-day period will be reckoned after all the necessary information sought from the customer is
received) Click here for salient features / details on the Integrated Banking Ombudsman Scheme.

Integrated Banking Ombudsman Contact Details

Link to log a complaint: https://cms.rbi.org.in
E-mail ID: crpc@rbi.org.in
Address: Centralised receipt and Processing Center (CRPC), Reserve Bank of India, 4th Floor, Sector 17, Chandigarh 160017
Toll Free Number: 14448 (9:30 am to 5:15 pm)

Payment FAQ Information:

Payments to the Card account can only be made from a bank account in the primary Card Member's name. Please refer to
Payments FAQs at service (https://www.americanexpress.com/in/customer-service/payments-statements-and-balance/)
for more details.

Please Note: Printed copies of the Most Important Terms and Conditions and the Cardmember Agreement will no longer be
sent along with monthly statements or card welcome, replacement, renewal pack(s). You can view & download these
documents from the official webpage www.americanexpress.co.in/mitc or call on the number on the back of the card post
approval, to request for hard copies of the same.
 American Express® Platinum Travel Credit Card
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We have made changes to para d - "Recovery procedure in case of default/account overdue" of the MITC. The revised terms
and conditions under this para reference usage of WhatsApp for servicing.

Missing Payments may affect your Credit Rating

Please note that in accordance with Reserve Bank of India (RBI) guidelines, we are required to regularly report your Card
account status and balance to Credit Information Companies authorized by RBI as per CICRA, 2005. Hence, making payments
by the date specified on your monthly billing statement will keep your account in good standing. Payments made after that
date may negatively impact your credit information with the Credit Information Companies.

Procedure to be followed in case of loss/theft/misuse of Card–mode of intimation to Card issuer:

The Cardmember must notify American Express immediately if the Credit Card is lost, stolen, mutilated, not received when
due or if he suspects that the Credit Card is being used without his permission. Cardmembers can call the 24-hour Helpline
phone numbers to inform about this loss or theft. In the case of loss or theft of the Card, the Cardmember must file
immediately a First Information Report (FIR) with the police station nearest to the place of occurrence and file a detailed
report with American Express enclosing a copy of the FIR. If the lost Credit Card is subsequently received, it must not be used.
The Replacement Credit Card and subsequent renewals of it must be used instead. The retrieval of the original Credit Card
must immediately be reported to American Express, and it must be cut in half and the pieces returned to American Express.

Annual Fee

Standard Annual Fee*: First Year INR 3,500+ applicable taxes; Second Year Onwards: INR 5,000+ applicable taxes
Standard Add-on Card Annual Fee (Where Applicable) **: INR 1,500+ applicable taxes
*Annual Fee reductions may be offered by American Express Banking Corp. ("American Express") at its sole discretion.
**Up to 2 Complimentary Supplementary Cards

Interest Free Grace Period and Illustrations

Interest free (grace) period will not be applicable if any balance of the previous month's bill is outstanding, even if the Minimum
Payment Due has been paid.

Interest Illustration

Sample Interest Illustration 1: Assume that you have an American Express Credit Card, have paid the balance on your
previous statement in full and do not have any amount outstanding on your Card Account. Your statement date is the 1st of
every month. You made a purchase on 15th July for Rs.20,000 and on 19th July for Rs. 7,000. Your statement generated 1st
Aug will have a total outstanding of Rs. 27,000, with a minimum due of Rs.1,350. Assume that you have paid the Minimum Due
of Rs 1,350 on the Due Date of 22nd Aug and have made an additional purchase of Rs. 4000 on 28th Aug. In the statement
generated 1st Sep, the total outstanding will be Rs.29,650. With an illustrative interest rate of 3.5% p.m., the interest
calculation will be as follows:

1. Interest on Rs. 20,000, from 15th July – 18th July (4 days) = Rs. 92.05
2. Interest on Rs.27,000 from 19th July – 1st Aug (14 days) = Rs.434.96
3. Interest on Rs.27,000 from 2nd Aug – 21st Aug (20 days) = Rs. 621.37
4. Interest on Rs.25,650 from 22nd Aug – 27th Aug (6 days) = Rs. 177.09
5. Interest on Rs. 29,650 from 28th Aug – 1st Sep (5 days) = Rs. 170.59

Thus, the total interest charged will be Rs.1496 (exclusive of applicable taxes).

Sample Interest Illustration 2: Assume that you have an American Express Credit Card, have paid the balance on your
previous statement in full and do not have any amount outstanding on your Card Account. Your statement date is the 1st of
every month. You have been charged the Annual Fee on your card of Rs.5000 on 1st May and applicable taxes of Rs.900 on 1st
May. Your statement generated on 1st May will have a total outstanding of Rs.5,900 and a minimum due amount of Rs.5,900.
Assume you have not paid the Minimum Due by 22nd May, and made another purchase on 29th May for Rs. 2,000. With an
illustrative interest rate of 3.5% p.m., the interest calculation for the statement generated 1st June will be as follows:

1. Interest on Rs. 2,000, from 29th May – 1st June (4 days) = Rs. 9.21
2. LPC @ 30% of Rs. 5900 (subject to a minimum of Rs. 500 and maximum of Rs. 1000) = Rs.1000

Thus, the total interest charged will be Rs. 9.21 (exclusive of applicable taxes).
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*Sample Interest Illustration 3: *Assume that you have an American Express Credit Card and the Minimum Payment Due
has not been paid by the due date thrice in last 12-month period. Hence, your interest rate will be revised from regular 3.5%
p.m. to the interest rate in case of Default of 3.99% p.m. You paid the balance on your previous statement in full and do not
have any amount outstanding on your Card Account. Your statement date is the 1st of every month. You made a purchase on
20th April for Rs.5,000 and another purchase on 25th April for Rs. 10,000. Your statement generated 1st May will have a total
outstanding of Rs.15,000 and a minimum due amount of Rs. 750. Assume you paid Rs.1,000 on 28th May 2022 and then
made another purchase on 29th May 2022 for Rs.2,000. Interest calculation for the statement generated 1st June 2022 will be
as follows:

1. Interest on Rs. 5,000 from 20th April – 24th April (5 days) = Rs. 32.79
2. Interest on Rs.15,000 from 25th April – 1st May (7 days) = Rs. 137.74
3. Interest on Rs. 15,000 from 2nd May – 27th May (26 days) = Rs. 511.59
4. Interest on Rs. 14,000 from 28th May – 28th May (1 day) = Rs. 18.36
5. Interest on Rs. 16,000 from 29th May – 1st June (4 days) = Rs. 83.95

Thus, the total interest charged will be Rs.784.44 (exclusive of applicable taxes).

For more details, please refer to the Most Important Terms and Conditions.

Note: In all the illustrations shared above:

• For every billing period the due date is the 22nd of that month.
• Actual interest may vary if the minimum amount due or part amount less than the total amount due is paid.
• Interest charges are applicable (including fresh purchases, if any) on an average daily reducing balance method.