I have an American express – Kingfisher card. Overall I am satisfied with the card – can’t say much about customer service since haven’t had the opportunity to use it.
Some advantages/ Positive aspects
Good online access
Bills are always in order
Points accumulated on the card can be transferred to my Kingfisher account as frequent travel files. This is ofcourse a big advantage if you travel by kingfisher regularly.
You get access to the fist class kingfisher lounge at airports (even if you are traveling economy) -> also a great boon it you travel a lot (esp on kingfisher)
Decent selection of gifts against reward points.
Some points that you need to consider before you go in for this card
Joining fee is a bit on the higher side
Not all merchants accept American express.
Interest charged is on the higher side
On joining you are given free first class upgrade vouchers for kingfisher. The deal is that you can only use these voucher 48 hours before you fly – and then too preference is given to paying customers. So this year I have taken 52 flights and on each instance tried the upgrade vouchers – but no luck. Hence do not consider this as an offset to your joining fee – it isn’t . . . . . .
Though the gift selection options are good – but ordering your gift isn’t that simple. Once an order is placed online – a letter is dispatched too – you need to further forward this letter to a specified vendor/dealer.
Overall I am satisfied with the card and would recommend that you go for it provided you fit the following profile
You fly quite often
You always fly kingfisher
You always clear your credit cards bills on a monthly basis
You generally shop in Malls / big shopping complexes