# Expanding merchant ties beyond metros, with American Express targeting everyday and premium spending.

*fintech · news · 2026-04-10 · CNBC TV18*

## Key points

- Indian credit card firms are expanding services to include data insights, AI, and security tools.
- Flexible payment solutions like pay-by-link are gaining traction among merchants seeking hybrid commerce models.
- American Express is prioritizing merchant onboarding in Tier 2 and Tier 3 Indian cities.
- AI is being used for fraud detection, customer experience personalization, and generative AI in support and risk.

**Companies:** American Express Banking Corp.
**Countries:** India

[Read the full story on CNBC TV18](https://www.cnbctv18.com/personal-finance/how-credit-cards-evolving-beyond-payments-in-india-american-express-ws-el-19884598.htm)

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