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How to Make an Amex Card Payment Through NEFT

Wondering how to make Amex card payment through NEFT? Drawing on my expertise in digital banking solutions, I’ve focused on this convenient payment option. This article will guide you through the process of making an Amex card payment via NEFT, offering step-by-step instructions and essential tips to ensure a smooth transaction.

How to Make an Amex Card Payment Through NEFT

For U.S. residents dealing with financial transactions in India, making an Amex card payment through NEFT can be a necessary process to efficiently manage credit card dues across borders. It’s a process I’ve used before, and it’s pretty efficient. Let me break it down for you:

A woman focused on her laptop, sitting at a desk while holding a credit card

Step 1: Add Your American Express Credit Card as a Payee

First things first, you need to add your Amex card as a payee in your bank account. This is a one-time setup, and here’s what you’ll need:

  • Payee Name: American Express
  • Payee Account Number: This is your complete 15-digit card number, starting with 37.
  • Bank Name: Standard Chartered Bank
  • Payee Account Type: Current
  • IFSC Code: SCBL0036020
  • Branch Address: Standard Chartered Bank, Narain Manzil, 23 Barakhamba Road, New Delhi 110001

This step is crucial because it’s like telling your bank, “Hey, this is where I want my money to go.” Make sure the details are accurate to avoid any hiccups.

Step 2: Select the Payee and Enter the Amount

Once you’ve got your card set up as a payee, the next time you log into your bank account, you’ll see it listed there. Now, it’s just a matter of selecting American Express from your list of payees and entering the amount you want to pay. It’s as simple as that.

Step 3: Authorize the Fund Transfer

After entering the amount, you’ll proceed with the fund transfer. Depending on your bank, you might need to authorize the transaction, often with an OTP (One Time Password) sent to your phone or email. It’s an extra layer of security, and while it might seem like a hassle, it’s there to protect your money.

Note: If you’re using Standard Chartered Online Banking, you can skip entering the IFSC Code. Just select the option ‘Transfer to another SCB bank account’, and you’re good to go.

Payments made via NEFT are typically credited within the next 24 hours. So, if you’re paying close to your due date, keep this timeline in mind to avoid late fees.

What Are the Other Alternative Online Payment Methods for Your American Express Card?

If you’re juggling multiple payment methods for your American Express card and looking for alternatives that fit your lifestyle, you’re in luck. There are several convenient online options available, each with its own perks. Let’s dive into them:

Paying via UPI

Using UPI (Unified Payments Interface) is like the Swiss Army knife of digital payments – versatile and handy. For your Amex card, you can use any UPI-enabled app like BHIM-UPI. Here’s how it goes:

  • Log in to your UPI app: Choose your preferred UPI-enabled app and log in.
  • Use the American Express UPI VPA: The Virtual Payment Address for Amex is AEBC37XXXXXXXXXXXXX@SC. Just replace the ‘X’s with your card number.
  • Timing is Key: Make sure to complete the payment before 5 pm for it to be credited to your card within a day.
A woman in a kitchen, holding a cell phone and a credit card

Online Payment via Amex BillDesk

For those who prefer a straightforward, no-fuss method, paying through the Amex Card BillDesk is a solid choice. Here’s your game plan:

  • Visit the Amex BillDesk: Head over to their website.
  • Enter Your Details: You’ll need to input your card number (twice for confirmation), mobile number, email, and the payment amount.
  • Select Your Bank and Pay: Choose your bank, click on ‘Proceed to Pay’, and follow the prompts.
  • Confirmation: You’ll get an online confirmation once the payment is successful.

Direct Debit/NACH

If you’re more of a “set it and forget it” person, Direct Debit or NACH (National Automated Clearing House) is your go-to. Initially, there’s a bit of setup involved, yet it’s smooth sailing afterward. Here’s how to get started:

Online Enrollment

  • Visit the e-Mandate Debit Enrollment Page: Enter your card details, mobile number, and email.
  • Submit: After filling in the details, hit ‘Submit’ to enroll.

Paper-based Enrollment:

  • Download the Form: Depending on your card type (Charge or Credit), download the respective enrollment form.
  • Fill and Send: Complete the form and mail it to American Express Banking Corp., Cyber City, Tower C, DLF City, Phase-II, Gurgaon- 122002.

How Can You Make an Amex Card Payment Offline?

In today’s digital rush, it’s nice to have traditional options for your Amex bill payment. If online methods aren’t your thing or you prefer writing a check, here’s a quick guide.

When it comes to paying via courier, it’s as simple as writing a check or draft made out to “AEBC Card No. 37XX XXXXXX XXXXX” (fill in your card number in place of the X’s) and sending it over to American Express Banking Corp. at their Gurgaon address. Just keep in mind that your payment will only show up in your account after the bank has confirmed the funds. 

If you’re more of a drop-and-go person, the drop box method is your ally. Locate a nearby drop box, drop in your check (same payee details as above), and you’re done. Remember, no cash in these boxes, and your payment will be processed once the bank gives the green light.

A mobile phone, two credit cards and a laptop on a table

Related Questions

Can I Pay My Amex Card Bill Through Any Bank’s NEFT Service?

Yes, you can use the NEFT service of any bank in India to pay your Amex card bill. Just ensure you use the correct Amex IFSC code (SCBL0036020) and your 15-digit card number as the payee account number.

How Long Does It Take for an NEFT Payment to Reflect in My Amex Account?

NEFT payments are usually credited within 24 hours. However, it’s advisable to make the payment a few days before the due date to avoid any last-minute issues.

Is There a Fee for Paying Amex Bills Through NEFT?

Generally, banks do not charge a fee for NEFT transactions. However, it’s always a good idea to check with your bank for any applicable charges or fees.


In this article, I’ve laid out a straightforward guide on making Amex card payments through NEFT, a method I’ve found quite handy. I’ve also touched on other payment options like UPI, Amex BillDesk, and Direct Debit, plus some offline methods for those who prefer them.