How to pay American Express with a credit card?

Paying Your American Express Card with Another Credit Card: A Simple Guide

Paying bills, especially credit card bills, can sometimes feel like a chore. But what if you could settle your American Express balance using another credit card? While you can’t directly link one credit card to another for payment in the traditional sense, there are convenient workarounds that offer the same result. The most common, and often the easiest method, involves using a UPI (Unified Payments Interface) enabled banking app.

This method is particularly useful if you’re aiming to consolidate debt, take advantage of a reward program on another card, or simply prefer managing all your payments through a single app.

Here’s how to pay your American Express card using another credit card via a UPI app:

1. Choose a UPI-Enabled Banking App: Many banks in India offer UPI services integrated into their mobile banking apps. Popular options include PhonePe, Google Pay, Paytm, and others. Ensure you have a working account and are logged in.

2. Locate the “Fund Transfer” or “Pay Bills” Feature: Most UPI apps will have a clearly labelled section for transferring funds or paying bills. Navigate to this section.

3. Enter Your American Express Card Number as the UPI ID: This is the crucial step. Instead of selecting a bank account or a beneficiary, you’ll typically enter the American Express card number as the UPI ID. Think of this as the payment recipient’s identifier. Double-check the number to ensure accuracy.

4. Enter the Payment Amount: Input the exact amount you wish to pay towards your American Express balance. Make sure this aligns with the outstanding amount you need to cover.

5. Verify and Complete the Transaction: The app will likely present a summary of the transaction details before confirming. Review this carefully to avoid errors. Once you’ve verified the information, proceed to complete the payment using your preferred authentication method (usually an MPIN or biometric verification).

6. Confirmation: After successful payment, you’ll receive a confirmation message within the app and possibly an SMS notification. Keep a record of this confirmation for future reference.

Important Considerations:

• Fees: While this method is generally convenient, be aware that some UPI apps or your issuing bank might charge transaction fees. Check with your bank for details on any applicable charges.
• Processing Time: The payment might not reflect instantly on your American Express account. Allow some time for processing before assuming there’s a problem.
• UPI ID Availability: Ensure that your American Express card allows UPI payments. This might not be available in all regions or for all card types.
• Security: Always use trusted and secure UPI apps. Be vigilant against phishing scams and ensure your mobile device is protected with strong security measures.

By following these simple steps, you can leverage the power of UPI to effectively pay your American Express bill using another credit card. Remember to check your app’s specific instructions, as the process may vary slightly based on your chosen banking application. Always prioritize security and double-check all details before finalizing any payment.