How to Avail the British Airways American Express Credit Card?
Refrain from paying a significant annual fee. The British Airways American Express Credit Card is a good reward credit card for someone who can use a Companion Voucher and accumulate Avios.
With this card, 1 Avios are earned for every £1 spent. Then, Avios can be used to pay for travel, auto rentals, Disneyland Paris, etc. Simply there are multiple benefits of using the British Airways American Express card. So if you're considering one, here is everything you need to know.
Step-by-Step Guide to Apply for the British Airways American Express Credit Card?
Planning to avail of the British Airways American Express credit card? Wondering how? Basically applying can be done both offline as well as online. For offline, You can request a credit card application form by going to the American Express branch that is most convenient for you. Completely fill out the application for a credit card, present the required documentation, and submit it to the branch. For more information, the executive will be in touch with you.
Besides, for online application of the British Airways American Express credit card here are the procedures to follow :
Step 1- The very first step is to visit the American Express website.
Step 2- Once you visit, you can apply online through its online portal.
Step 3- To complete the form-filling procedure, you'll be asked to provide your information such as :
Personal Information- Name, date of birth, email address, phone number, and your address.
Financial Details- Employment status, annual personal income, source of annual personal income, and other household income if any.
Step 4- Then you'll also be asked to provide all necessary information about your documents. Be sure to provide valid and genuine information related to identity proof, income proof, and residence proof.
Step 5- Once you fulfilled all the information for your BA Amex premium card, go through it again to avoid mistakes. Once done submit your form online and you'll be informed of further details.
Also, make sure to keep a copy or printout of all the documents or forms before you submit them for further evidence.
What Are the Eligibility Criteria Requirements?
To avail of the British Airways American Express credit card one must meet the following eligibility criteria :
•The applicant/cardholder must be a resident of the United Kingdom.
•The applicant must be 18 years old.
•A personal annual income of at least Rs. 6 lakhs is required for cardholders.
•The cardholder must have a savings or current account with an Indian or foreign bank in India.
Detailed Information about the Documents Required
While applying for the British Airways Amex it is very important to fulfill all criteria and provide valid documentation. This is because a minor mistake can take a long process and also cancel your request. So to save you from such a situation, here are the details of the document you may need to submit for your BA Amex card application:
•Identity Proof- Voter ID, Aadhaar Card, Pan Card, Driving License, and Passport.
•Residence Proof- Aadhaar Card, Driving License, Utility Bills, Passport, and Voter ID.
•Income Proof- Income Tax Return of 2-3 years (self-employed) and latest salary slips (salaried).
How to Get the Most Out of your British Airways American Express Credit Card?
To help get the most out of your British Airways American Express card, here is what you need to know:
•The highest of £25 (or the amount owing if less); or any interest or fees + 2% of the outstanding balance will be the minimum monthly payment.
•Remember this credit card is not meant for long-term borrowing. This means the minimum payment will cost more and take longer to pay off your balance.
•Missing a payment results in fees that can negatively affect your credit rating, which as a result can make obtaining credit in the future more complicated or expensive.
•Failure to make payments on time could have several consequences, including an increase in the cost of your debt, legal action, or a charging order leading to the seizure of your property.
•Keep payments current and adhere to the credit limit to maintain any promotional interest rates.
•Be it interest rates, costs, or fees, all can go up (if there are changes in your circumstances or the costs).
