American Express Membership Rewards
78/100
·
₹4,500/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
American Express
American Express Membership Rewards
AMEX
Rewards
AMEX
American Express Membership Rewards
by American Express · Data verified 2 days ago
Amex MRCC: Earn 1 MR per ₹50 plus up to 2,000 bonus MR points every month (1,000 pts on ₹20k spend + 1,000 pts on 4 swipes of ₹1,500+). 4,000 welcome points. Fee waived on ₹1.5L spend.
78
Score
Based on rewards, fees, benefits & eligibility
₹4.5K
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
No Lounges
complimentary
₹4,500/yr
waiver available
78/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹4,500
Net Annual Value
You save per year!
What's Great
- Earn up to 24,000 bonus Membership Rewards points per year through monthly milestones alone
- 1,000 bonus MR points every month on simply using the card 4 times for ₹1,500+ each
- Additional 1,000 bonus MR points every month on reaching ₹20,000 monthly spend
- Membership Rewards points never expire
- Redeem points via 18 Karat and 24 Karat Gold Collection for high-value partner vouchers
- 100% annual fee waiver on spending ₹1,50,000/year (or 50% waiver on ₹90,000 spend)
Things to Consider
- Annual renewal fee of ₹4,500 + GST after year 1
- No complimentary domestic or international airport lounge access
- Offline merchant acceptance is lower in Tier 2/3 cities compared to Visa\/Mastercard
- Zero reward points earned on fuel, insurance, and utility bill transactions
Perfect For
Amex beginners
Points collectors
Reward maximizers
About This Card
Entry-level Amex with 1000 bonus points monthly on ₹20K spend
Annual Fee
₹4,500
Waiver
Full waiver on Rs. 1,50,000+ spend in preceding year; 50% waiver on Rs. 90,000 to Rs. 1,49,999 spend
Joining Fee
₹1,000
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
3.49% - 3.50%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹0/mo
Interest-Free Period
On new purchases if paid in full
20 to 55 days
Cash Advance Fee
Fee for cash withdrawal from ATM
3.5% of amount (min ₹250)
Late Payment Fee
Charged if minimum due not paid on time
₹100 for TAD up to ₹500, ₹500 for ₹500.01-₹5,000, ₹750 for ₹5,000.01-₹20,000, up to ₹1,300 for >₹50,000
Reward Points Validity
How long your earned points remain valid
Points never expire (as long as account is active)
Card Replacement Fee
Fee for lost or damaged card replacement
₹300
1
Reward Pts
₹0.50
Point Value
0.00%
Cashback
Welcome Bonus
4,000 Membership Rewards points upon spending ₹15,000 within 90 days of card issuance and payment of joining fee
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping | 2 pts/₹100 | 1 MR per Rs. 50 on all eligible spends |
| Dining | 2 pts/₹100 | 1 MR per Rs. 50 on dining |
| Fuel | — | No MR on fuel spends; 0% convenience fee at HPCL under Rs. 5,000 |
Point Value: 1 point = ₹0.50
|
Redemption Fee: ₹0 + GST per request
Fuel Savings
₹0/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •Earn 1 Membership Rewards point per ₹50 spent on dining transactions
- •Up to 20% discount across select partner restaurants with American Express dining privileges
Shopping
- •Redeem MR points for vouchers from Taj, Shoppers Stop, Amazon, Flipkart
Travel
- •Redeem points for travel vouchers or transfer to airline programs
- •Access to American Express Travel Online
Partner Benefits
- •0% fuel convenience fee at HPCL for transactions under Rs. 5,000
Reward Exclusions
- ✕ Fuel spends
- ✕ Insurance premium payments
- ✕ Utility bill payments
- ✕ Cash advances
Special Offers & Features
- •Welcome gift: 4,000 Membership Rewards points on spending ₹15,000 in first 90 days of card issuance
- •1,000 bonus Membership Rewards points each month on completing 4 transactions of ₹1,500 or more
- •1,000 bonus Membership Rewards points each month on achieving total retail spends of ₹20,000 or more
- •1 Membership Rewards point per ₹50 spent on all regular retail purchases
- •Exclusive access to 18K and 24K Gold Collection redemptions for luxury vouchers (Taj, Marriott, Amazon, Tanishq)
- •100% annual fee waiver on ₹1,50,000 annual spends (or 50% waiver on ₹90,000 annual spends)
- •0% convenience fee at HPCL fuel stations for transactions below ₹25,000
EMI Options
- •Splitpay: Convert eligible transactions into monthly EMI installments
- •Flexible tenures from 3 to 24 months with competitive interest rates
- •Instant booking via Amex mobile app or online account
Reward Transfer Partners
Singapore Airlines
Ratio: 4:1
Min: 2,000 pts
Transfer: 3-5 days
4 MR = 1 KrisFlyer mile
British Airways
Ratio: 4:1
Min: 2,000 pts
Transfer: 3-5 days
4 MR = 1 Avios
Marriott Bonvoy
Ratio: 2:1
Min: 2,000 pts
Transfer: 2-3 days
2 MR = 1 Marriott point
Hilton Honors
Ratio: 1:1
Min: 2,000 pts
Transfer: 2-3 days
1 MR = 1 Hilton point
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
78
out of 100
CardSahayak Score
"Apply Now" takes you to American Express's official website.
Eligibility
Salaried
₹37,500/mo
Self-Employed
₹50,000/mo
Age
18-60 yrs
CIBIL
700+
Employment
Salaried, Self-Employed
Card Variant
Premium
Scores
Rewards
42/100
Fees
80/100
Benefits
23/100
Access
84/100
3 Active Offers
Deals & Offers
Exclusive offers available on American Express Membership Rewards
Air India: 10X Rewards on Flight Bookings with Amex
Earn up to 10X Membership Rewards points on Air India flight bookings. Valid for Centurion and Platinum cardholders.
10
Till 31 Jul 2027
travel
Discount
10X Membership Rewards
Min Spend
No minimum
Max Savings
10X Membership Rewards points on flights
Valid Until
31 Jul 2027
How to Avail
Book flights on Air India and pay with your Amex Centurion or Platinum card.
Terms & Conditions
Valid for American Express Centurion and Platinum cardholders only. Points credited within 120 days.
MakeMyTrip
Experience luxury travel with American Express Cards on MakeMyTrip. Enjoy a flat 10% instant discount up to ₹3,000 on flights and luxury hotels with code AMEXMMT.
10
Till 31 Dec 2026
AMEXMMT
travel
Discount
Flat 10% up to ₹3,000
Min Spend
₹10,000
Max Savings
₹3,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Open MakeMyTrip app or makemytrip.com.
Step 2: Search for domestic/international flights or luxury hotels totaling ₹10,000+.
Step 3: Enter promo code AMEXMMT on payment review screen.
Step 4: Pay with American Express Card to get up to ₹3,000 instant discount.
Step 2: Search for domestic/international flights or luxury hotels totaling ₹10,000+.
Step 3: Enter promo code AMEXMMT on payment review screen.
Step 4: Pay with American Express Card to get up to ₹3,000 instant discount.
Terms & Conditions
Valid on flight and hotel bookings across India and international routes. Minimum spend of ₹10,000 required. Maximum discount of ₹3,000 per booking. Valid once per cardholder per calendar month.
Use Code:
AMEXMMT
Visit Offer
Tata CLiQ Luxury
Indulge in designer couture, luxury watches, and fine lifestyle accessories. American Express Cardholders get flat 10% instant discount up to ₹2,500 on Tata CLiQ Luxury.
10
Till 31 Dec 2026
AMEXTATACLIQ
shopping
Discount
Flat 10% up to ₹2,500
Min Spend
₹7,500
Max Savings
₹2,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit luxury.tatacliq.com or download Tata CLiQ Luxury app.
Step 2: Add designer fashion, watches, or accessories worth ₹7,500 or more.
Step 3: Enter promo code AMEXTATACLIQ at checkout.
Step 4: Pay with your American Express Card to get 10% instant discount up to ₹2,500.
Step 2: Add designer fashion, watches, or accessories worth ₹7,500 or more.
Step 3: Enter promo code AMEXTATACLIQ at checkout.
Step 4: Pay with your American Express Card to get 10% instant discount up to ₹2,500.
Terms & Conditions
Valid on eligible luxury brands on Tata CLiQ Luxury. Minimum transaction value of ₹7,500 required. Maximum instant discount is ₹2,500 per transaction. Valid once per cardholder per calendar month.
Use Code:
AMEXTATACLIQ
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about American Express Membership Rewards
To be eligible, you need:
- • Min age: 18 years
- • Salaried: ₹37,500/month min
- • Self-employed: ₹50,000/month min
- • CIBIL: 700+ recommended
The annual fee is ₹4,500.
The fee can be waived by Full waiver on Rs. 1,50,000+ spend in preceding year; 50% waiver on Rs. 90,000 to Rs. 1,49,999 spend.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.50.
Welcome bonus: 4,000 Membership Rewards points upon spending ₹15,000 within 90 days of card issuance and payment of joining fee on activation!
Redeem for flights, hotels, vouchers via American Express rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
- • Instant: Pre-approved American Express customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for American Express Membership Rewards today and unlock amazing rewards and premium experiences.
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