Amex Points Vanished? Here's How to Get Them Back

American Express India accidentally deducted reward points from some cardholders' accounts. Amex has promised to restore all deducted points to their November 8 levels. If you hold an Amex card, here's what to check and do right now.

Here's what happened: American Express India erroneously deducted Membership Rewards points from certain cardholders' accounts around November 9, reducing balances without cardholders' knowledge.. Amex has officially committed to restoring all deducted points, returning each affected account to its November 8 balance level.. The error appears to have been linked to account or card cancellation processing, impacting a segment of active Amex Membership Rewards cardholders in India..

What you should do: Log into your Amex India account or the Amex app right now and compare your current Membership Rewards balance to what you held before November 9.. Screenshot your current points balance immediately — you'll need this as evidence if you need to raise a dispute or escalate the case.. Call Amex India customer care at 1800-419-1800 if your balance has not been restored within a week, quoting the November 8 restoration commitment..

Amex Membership Rewards points never expire on an active card — so even a small unexplained deduction is worth fighting for, as points can be transferred to airline miles at 1:1 ratios on select partners.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.