American Express


KF Rookie
Is there any way to get Amex cards when youre not from one of the cities theyve rolled them out in?

I stay in Mumbai, but since I dont have an address from Mumbai on my Aadhar, im not eligible they say.

Any way to work around this?
Getting an Amex card when you don't have an address from the rollout city on your Aadhar can be tricky, but there might be some options to explore:
Official Channels:
  1. Pre-approved Offers: Check your email and online banking platforms for pre-approved Amex card offers. These offers are tailored to your creditworthiness and spending habits, and sometimes they may bypass the city restriction. Contact the bank offering the card and clarify if it's available in Mumbai even without a local Aadhar address.
  2. Alternative Proof of Address: Reach out to Amex customer service directly and explain your situation. They might consider alternative proof of address documents like your bank statement, utility bills, or employer verification letter (all with a Mumbai address).
  3. Partner Banks: Some banks like ICICI and Axis Bank offer co-branded Amex cards. Consider applying for those through your existing account with those banks. They might have more flexible address requirements.
Unofficial Solutions (Proceed with caution):
  1. Temporary Address Change: This involves temporarily modifying your Aadhar address to a Mumbai address with the help of Aadhar Seva Kendra staff. However, this isn't an official solution and carries potential risks with legal ramifications. Consider this carefully and at your own risk.
  2. Friend/Family Address: If you have a trusted friend or family member in Mumbai, you could consider using their address on your application. But remember, you'll be responsible for the card payments, and any delinquencies could affect their credit score too.
Additional Tips:
  • Build a strong credit score. A good credit score can increase your chances of approval even with address limitations.
  • Consider alternative credit cards not specific to Mumbai. Explore other popular cards from different banks that might better suit your needs and accept your address proof.
Remember, it's important to be honest and transparent when applying for any credit card. Lying or misrepresenting information can have serious consequences. Ultimately, the best approach is to consult Amex customer service directly and explore their official options for your situation.
I hope this information helps!