Amex India points removal: your questions answered

Screenshot your balance and points activity now. Add the points removed on 9 November to today's balance: that is the figure to expect. Check again within 72 hours of the email and take another screenshot. Keep any complaint open until the points show, and ask Amex to confirm the number in writing.

Amex's 10 November email says the points go to one of your active Card Accounts. It does not say what happens if you have none. Write to Amex now, ask where your restored points will be credited, and ask for a way to redeem them.

Amex says balances will be shown per card from 15 November, and that for cards cancelled on or after that date the existing terms apply. Expect the 30 day rule to be enforced from then on: redeem or transfer before you close a card. The email does not say how points from older closures will be treated after the split, so ask Amex in writing.

It means the 9 November 2026 adjustment was larger than the points left in your account. This is usually reported by people who had already redeemed or transferred points. Amex has not explained it publicly. Save a dated screenshot and your redemption confirmations, then ask Amex in writing which card the removed points were attributed to and which clause allows a negative balance.

Amex has made adjustments in such cases, and some cardholders now show a negative balance. Whether its terms allow that is disputed. Your redemption was accepted when you made it, and your confirmation proves the date. Ask Amex in writing how each past redemption was allocated between your cards.

Reports are mixed. At least one cardholder who downgraded in January 2026 saw no deduction as of 10 November, and a subreddit moderator says upgraders look safe so far. But one cardholder reports about 1,16,000 points removed after upgrading Platinum Travel to another card. Nobody outside Amex knows the rule. Screenshot your balance and card list now, and check again after 15 November 2026.

One cardholder reports that customer care told him future points earned would first clear the negative balance, and that nothing would be owed if he closed the card. This is one account and we cannot verify it. Ask Amex to confirm both in writing, with the clause relied on, before you act.

That is your decision. Facts to weigh: a transfer cannot be reversed, partner points have their own expiry and devaluation rules, and at least one cardholder reports a negative balance after a transfer. If you transfer, keep the confirmation.

That is your decision too. Know that closing a card is the event Amex's 30 day clause attaches to. If you close, redeem first, screenshot your balance, and get the closure confirmation in writing. A pending complaint does not require you to keep or close a card.

Take a screenshot and ask for the same promise by email with a reference number. On 10 November Amex emailed that it will restore balances within 48 to 72 hours. Until the points show, sending a written complaint does no harm, and it starts the 30 day period after which you can go to the RBI Ombudsman.

Amex has not called it an error. Its 10 November email says it decided to restore the points after considering Card Members' feedback. Its 9 November email described the earlier visibility of the points as the technical issue, not the removal. If the removal is an error, a written complaint costs you nothing. If it is not, waiting costs you time.

Possibly, but Amex has not confirmed it. Customers were shown one pooled balance, and Amex's own emails set 15 November 2026 as the start of card level balances. Ask Amex for a card wise points statement in writing. If it kept such a record, it can produce it.

Cardholders with closures that old, including some from over two years ago, report adjustments on 9 November 2026. Amex relies on its 30 day clause. The counter points are the pooled Program Account, the years in which the points were shown and redeemable, and the lack of notice. Limitation and delay arguments may also apply. A lawyer or the consumer commission can assess your dates.

Yes. State the date, the approximate time and the number you called. Ask Amex in writing to preserve the call recording and share it. A written chat is stronger evidence, but the pooled balance and notice arguments do not depend on any assurance.

On 10 November 2026 Amex said it will restore the points themselves. No cash offer or short window has been announced. If one comes, ask for the terms in writing and check whether accepting closes your complaint. You may decline in writing, without prejudice, and continue to the RBI Ombudsman or the consumer commission. The choice is yours.

Amex India has said Membership Rewards points will be maintained separately for each card from 15 November 2026, with a new digital experience. NDTV Profit reports that existing points will then be distributed by the balances tied to each card. Chat history may not carry over. Screenshot your chats, balance, points activity and card list before that date.

No. An email to Amex and a complaint to the RBI Ombudsman are both free. A consumer commission case has a small filing fee that depends on the claim value.

Unknown. Amex has published no figure. NDTV Profit, Mint and Moneycontrol have covered the story, and there are many public posts on Reddit, Technofino and X. Posts and articles are not a count.