American Express Membership Rewards® Credit Card

  • Joining Fee: Rs 1,000 + GST
  • Renewal Fee: Rs 4,500 + GST
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the joining fee of Rs. 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.
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American Express Membership Rewards® Credit Card(MRCC), issued by American Express offers exclusive benefits and privileges on every spending. The Membership Rewards® Credit Card charges you a joining fee of Rs 1,000 and a renewal fee of Rs 4,500. The renewal fee can be waived off on annual spending of Rs 1,50,000 or above. You can get 1 membership reward point per Rs 50 you spend, excluding fuel transactions, Utility bill payments, insurance, and cash transactions. On using your card 4 times on transactions of Rs 1,500 or more, get a bonus of 1,000 membership reward points. The Membership Rewards® Credit Card also has several other rewards and benefits, including monthly milestone rewards, fuel surcharge waiver, entertainment, and insurance benefits. Keep reading to know more about this credit card.

New Features

Spend Based Waiver

A spend-based waiver on a renewal fee of Rs 4,500 on annual spending of Rs 1,50,000. Get 50 percent waiver on the renewal fee on annual spending between Rs 90,000 to 1,49,999

Interest Rates

3.5% per month

Add-on Card Fee

Rs 1,500 (plus applicable taxes)

Rewards Redemption Fee

Rs 250 per redemption request

Fuel Surcharge

You get 0%waiver on fuel convenience fee at HPCL fuel stations on fuel transactions below Rs 5,000. You get a 1% waiver on the fuel convenience fee at all fuel stations across India.

Foreign Currency Markup

3.5% on the conversion amount

Cash Advance Charges

2.5% of the amount withdrawn subject to a minimum amount of Rs 250

Movie & Dining

Get special dining discounts up to 20% off using your American Express Reward credit card at select restaurants



International Lounge Access


Rewards Rate

1 membership reward point per Rs 50 spent excluding fuel transactions, Utility bill payments, insurance, and cash transactions



Insurance Benefits


Reward Redemption

You can redeem the membership reward points accrued with American Express 18 and 24 Karat Gold Collection

Domestic Lounge Access


Zero Liability Protection

You get liability protection assurance such as zero lost card assurance, 24×7 card assistance, emergency card replacement, Dispute resolution


Membership Reward Points do not expire. There are no reward points earned on transactions made for fuel and utilities.


This card is exclusively available to residents of specific cities (Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru).

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