American Express
Amex Membership Rewards Credit Card
Best for rewards, premium
₹4,500/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹4,500/yr
Reward rate
4x
Min. income
₹6,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 700+
Reward cap
2,000 bonus MR points per month
Welcome benefit
1,000 MR pts on 4 transactions ≥ ₹1,500 in a month; additional 1,000 MR pts on ₹20,000 monthly spend
Who is this for
- Rewards optimiser
- Premium cardholder
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹1,000 late-payment fee
- 3.5% cash-advance fee
Issuer
Headquarters
Gurugram, Haryana
Established 1972
Toll-free
1800-419-3344Website
www.americanexpress.com/en-inFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,000 | Not waivable |
| Annual fee | ₹4,500 | Spend ₹1,50,000 in preceding year; 50% waiver on spends ₹90,000-₹1,49,999 |
| Late payment | ₹1,000 | Not waivable |
| Forex markup | Not published | Not waivable |
| Cash advance | 3.5% of amount | Not waivable |
| Fuel surcharge | 1% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility, insurance); 2,000 bonus MR points monthly milestones | 2,000 bonus MR points per month | 1 MR Point ≈ ₹0.50 (Taj vouchers 18k pts = ₹9,000); transfer partners: Marriott Bonvoy, KrisFlyer, Hilton, Asia Miles, BA Executive Club |
| SHOPPING | 1.00 | — | 0.50 |
| DINING | 1.00 | — | 0.50 |
Benefits
-
Domestic lounge access
None
-
International lounge access Highlight
None
-
Milestone benefits Highlight
1,000 MR pts on 4 transactions ≥ ₹1,500 in a month; additional 1,000 MR pts on ₹20,000 monthly spend
-
Fuel surcharge waiver
1% waiver on HPCL fuel transactions below ₹5,000
Eligibility
- Age
- 18–65 years
- Min. income
- ₹6,00,000
- Min. credit score
- 700+
- Score note
- Good credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, income proof (salary slips/ITR), residence proof, photo
Amex Membership Rewards Credit Card is an Amex credit card from American Express. It is best suited for rewards, premium.
Fees and rewards
- Annual fee: ₹1500
- Joining fee: Nil
- Rewards: 1000 bonus points on ₹20K monthly; 1X base
Eligibility
PAN, Aadhaar, income proof (salary slips/ITR), residence proof, photo
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for Amex Membership Rewards Credit Card
Last reviewed · How we review
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