American Express Membership Rewards® Credit Card
American Express bank American Express Bank

American Express Membership Rewards® Credit Card

cat name Shopping
cat name Reward Points

Best Suited For: Rewards & Shopping

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹4,500* Plus Applicable Taxes

cat name Shopping
cat name Reward Points

Best Suited For: Rewards & Shopping

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹4,500* Plus Applicable Taxes

Best Feature:- 1 Membership Rewards Point for every Rs. 50 spent except for selected categories

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American Express Membership Rewards® Credit Card offers amazing rewards and exclusive benefits. You earn 1 Membership Reward Point for every ₹50 spent. As a welcome bonus, you also get 4,000 bonus points and access to a wide range of offers from top brands like Taj, Flipkart, and Amazon. This card offers incredible returns and lifestyle privileges to cardholders. You can earn more by achieving monthly milestones, fuel surcharge waivers, and more. It provides great value whether you are new to credit cards or looking for great value. The card is designed to reward your everyday spending, with flexible redemption options for travel, gifts, and more.

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All You Need To Know

Card Type

Rewards & Shopping

Welcome Bonus
  • Earn 4,000 Membership Rewards Points after paying a joining fee of ₹1,000 and spending ₹15,000 within the first 90 days of activation.
Spend-Based Rewards
  • Earn 1,000 Bonus Membership Rewards Points by completing four transactions of ₹1,500 or more in a calendar month.
  • Receive 1,000 Membership Rewards Points on spending ₹20,000 or more in a calendar month (requires enrollment).
Renewal Fee Waiver
  • Spend ₹1,50,000 in a membership year to get the ₹4,500 annual fee waived.
  • For annual spends between ₹90,000 and ₹1,49,999, receive a 50% waiver on the annual fee.
Rewards Program
  • Earn 1 Membership Reward Point per ₹50 spent, excluding spends on fuel, utilities, insurance, cash transactions, and EMI conversions.
Reward Redemption Options
  • Redeem Membership Reward Points for vouchers through the 18 Karat and 24 Karat Gold Collection:
    • 18 Karat Gold Collection (18,000 Points):
      • Taj Voucher: ₹9,000
      • Amazon Voucher: ₹7,000
      • Flipkart Voucher: ₹7,000
    • 24 Karat Gold Collection (24,000 Points):
      • Taj Voucher: ₹14,000
      • Amazon Voucher: ₹9,000
      • Flipkart Voucher: ₹9,000
Dining Privileges
  • Avail up to 20% discount at select partner restaurants.
Fuel Convenience Fee Waiver
  • Enjoy a waiver on fuel convenience fees at select locations.
Flexibility in Payment
  • Split your purchases into manageable installments with the American Express EMI option.
Comprehensive Protection & Services
  • Zero Lost Card Liability: Protection against unauthorized transactions on reporting card loss.
  • 24x7 Assistance: Round-the-clock support for card-related inquiries.
  • Emergency Card Replacement: Rapid replacement in case of loss.
  • Contactless Payment: Enabled for faster and more secure transactions.

American Express Membership Rewards® Credit Card Eligibility:

Criteria Details
Minimum Age Requirement 18 years
Occupation Salaried or Self-employed
Minimum Income Requirement for Self-employed Rs. 6 Lakh p.a.
Serviceable Cities Click here to view the list

The table below shows applicable fees and charges for American Express Membership Rewards® Credit Card:

Type of Fee or Charge Amount
Joining Fee Rs. 1,000 + Applicable Taxes
Annual/Renewal Fee Rs. 4,500 + Applicable Taxes (Waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.1.5 Lakh)
Finance Charges 3.5% p.m.
Cash Advance Fee 3.5% (Minimum of Rs. 250)

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FAQs

No, you cannot earn Membership Reward Points on fuel purchases, utility bill payments, insurance, or cash transactions.

The renewal fee for the American Express Membership Rewards® Credit Card is ₹4,500 plus applicable taxes.

You will receive 5,000 Membership Reward Points after paying the first-year renewal fee of ₹4,500.

Yes, you can redeem your points for statement cash. 1 point equals ₹0.33 for the 18 Karat Gold Collection and ₹0.37 for the 24 Karat Gold Collection.

It offers a 50% renewal fee waiver if you spend ₹1,00,000 annually, but it does not offer a 100% waiver.

You can Report the loss or damage to American Express through their 24-hour helpline. You can also request a replacement card online.

You can redeem your points for gift vouchers from top brands by logging into the rewards portal and selecting a redemption option.

Yes, but a cash advance fee of 3.5% applies, along with finance charges on the withdrawn amount.

You can pay online via NEFT, UPI, or automatic bill payment. For offline payments, you can send a cheque or draft to the American Express office.

Please click the links below to find details and instructions related to American Express® Credit Cards that can help you in easily managing your card:

Check if you are eligible for the American Membership Rewards®
Credit Card on mybankingtips.com

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