American Express Membership Rewards Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Reward Rate: 1 MR point per ₹50 spent, except Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at POS
Overview
The American Express Membership Rewards Credit Card is an entry-level rewards credit card offering monthly transaction bonuses, a renewal bonus, and access to the Gold Collection redemption catalogue.
Rewards
Reward Type
Reward Points
Reward Rate
Base Reward Rate: 1 MR point per ₹50 spent, except Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at POS
Welcome Benefit
Welcome Gift of 4,000 Bonus Membership Rewards Points, applicable on payment of joining fee and spending ₹15,000 within first 90 days of Cardmembership
Milestone Benefit
Earn an additional 1,000 MR points by spending INR 20,000+ in a calendar month — described as an 'enrollment based benefit' requiring sign-up
Redemption
- • Choice of: Taj ₹9,000 / Shoppers Stop ₹7,000 / Tata Cliq ₹7,000 / Myntra ₹7,000 / Amazon ₹6,000 / Flipkart ₹6,000 / Reliance Digital ₹6,000
- • Choice of: Taj ₹14,000 / Shoppers Stop ₹10,000 / Tata Cliq ₹9,000 / Tanishq ₹9,000 / Amazon ₹8,000 / Flipkart ₹8,000 / Reliance Digital ₹8,000
Benefits
- Fuel Surcharge Waiver: 0% convenience fee on fuel purchases at HPCL for transactions <₹5,000
- 1% convenience fee for transactions ≥₹5,000 (HPCL only, not BPCL/IOCL)
- Fine Dining Discount: Up to 20% discount at select restaurants
- EMI Facility: American Express EMI — split payments into monthly instalments
Things to Know Before you apply
American Express Membership Rewards Credit Card Eligibility Criteria
- Age: 18+ years
- Employed: ₹4.5 lakhs+ annual income; Self-Employed: ₹6 lakhs+ annual income (different thresholds)
- If self-employed, company must have been trading for more than 12 months
- Resident Indian; card issued only to residents of listed cities (Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru) subject to conditions
American Express Membership Rewards Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹4,500 |
| Cash Advance Fee | Not disclosed by issuer on pages captured |
Fee waiver: 100% waived if total spends in the immediately preceding membership year is ₹1,50,000 and above; 50% waived if total spends in the immediately preceding membership year is ₹90,000 to ₹1,49,999
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
A well-rounded entry-level rewards card with an achievable fee waiver and a renewal bonus, best suited to cardholders who can hit the monthly transaction-frequency bonus consistently; note the ₹20,000 monthly bonus requires separate enrollment.
Pros
- • Achievable 100% fee waiver at ₹1.5L annual spend
- • 5,000 point renewal bonus
- • Monthly transaction-frequency bonus
- • Access to Gold Collection redemption catalogue
Cons
- • ₹20,000 monthly bonus requires separate enrollment, not automatic
- • New applications currently paused by Amex in India
- • Card issuance restricted to specific cities
- • Salaried income threshold (₹4.5L) lower than self-employed (₹6L)
Compare with Similar Cards
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- • Welcome Gift of 4,000 Bonus Membership Rewards Points, applicable on payment of joining fee and spending ₹15,000 within first 90 days of Cardmembership
- • Welcome Gift of 4,000 Bonus Membership Rewards Points, available only in the 1st year on payment of annual fee and spending ₹10,000 within 90 days of Cardmembership
- • Complimentary Swiggy One and MMT Black Gold membership on spends of ₹1 lakh in the first 90 days
- • Base Reward Rate: 1 MR point per ₹50 spent, except Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at POS
- • Base Reward Rate: 1 MR Point per ₹50 spent, INCLUDING utility spend
- • Insurance and Cash Transactions excluded
- • Fuel excluded only effective 12 June 2025
- • Reward Multiplier Rate: 'Earn 5X Membership Reward points on every purchase through Reward Multiplier' — no specific partner brands named on pages captured
- • 5 Reward Points on every ₹200 spent (base)
- • 5X Reward Points on spends at Myntra, Nykaa, Reliance Digital, Pharmeasy, Apple Imagine Tresor and Jockey
- • Maximum 50,000 Reward Points per statement cycle
- • Achievable 100% fee waiver at ₹1.5L annual spend
- • 5,000 point renewal bonus
- • Monthly transaction-frequency bonus
- • Access to Gold Collection redemption catalogue
- • No pre-set spending limit
- • 5X rewards via Reward Multiplier
- • Monthly transaction bonus of 1,000 points
- • Utility spend earns Membership Rewards points (unlike most other Amex India cards)
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual across retail spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • ₹20,000 monthly bonus requires separate enrollment, not automatic
- • New applications currently paused by Amex in India
- • Card issuance restricted to specific cities
- • Salaried income threshold (₹4.5L) lower than self-employed (₹6L)
- • It's a charge card, typically requiring full monthly repayment
- • New applications currently paused by Amex in India
- • Card issuance restricted to specific cities
- • Fuel transactions excluded from rewards
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions