American Express Membership Rewards Credit Card

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The American Express Membership Rewards Credit Card, commonly known as the Amex MRCC, is one of the most popular offerings from American Express (Amex). It plays a key role in the “Amex Trifecta,” which includes the Platinum Travel, Gold, and Membership Rewards Credit Cards—three of the most rewarding cards in the American Express lineup. The Amex MRCC is designed for those in the lower to mid-spend category, offering optimal rewards when you spend ₹20,000 each calendar month using this credit card. Therefore, if your monthly spending is ₹20,000, this is one of the most rewarding credit cards available in India.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining & Renewal Benefits

Joining Benefits

  • 4,000 Membership Rewards Points will be applicable on  payment of Joining fee and on spending INR 15,000 within first 90 days of Card membership.

Renewal Benefits

  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee.
  • The Annual Membership Renewal fee of Rs.4500 will be 100% waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.90,000 to Rs.1,49,999.

Rewards and Cashback

  • Regular Reward Points: 1 Reward Point for every Rs. 50 spent
  • Milestone Rewards:
    • 1,000 Bonus Rewards Points for simply using your card 4 times on transactions of Rs. 1,500 or above in a calendar month
    • An additional 1,000 Bonus Rewards points by spending Rs.20,000 or more in a calendar month
  • Amex Reward Multiplier Portal: Get 2x Reward Points on any spend on Amex Reward Multiplier Portal using Amex Membership Rewards Credit Card
    • Base Valueback in the form of Base Reward Points increases to 2%
    • and if you spend Rs.20,000 in a month including 4 Transactions of Rs.1,500 each on Amex Reward Multiplier Portal, total valueback becomes 6% on spend of Rs.20,000 Spend. Best way to achieve it, is to buy useful gift cards of from Amex Reward Multiplier portal and use them as and when required.
    • Amex Multiplier link: bit.ly/4d1AzI3

Reward Points never expire

 

Lifestyle Benefits

  • Get instant discounts on Restaurent payments, travel and other things: bit.ly/3UmIN5h

Fuel Surcharge Waiver

  • 0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above

Renewal Benefits

5,000 Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal

Joining & Renewal Benefits

Joining Benefits

  • 4,000 Membership Rewards Points will be applicable on  payment of Joining fee and on spending INR 15,000 within first 90 days of Card membership.

Renewal Benefits

  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee.
  • The Annual Membership Renewal fee of Rs.4500 will be 100% waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.90,000 to Rs.1,49,999.

Rewards and Cashback

  • Regular Reward Points: 1 Reward Point for every Rs. 50 spent
  • Milestone Rewards:
    • 1,000 Bonus Rewards Points for simply using your card 4 times on transactions of Rs. 1,500 or above in a calendar month
    • An additional 1,000 Bonus Rewards points by spending Rs.20,000 or more in a calendar month
  • Amex Reward Multiplier Portal: Get 2x Reward Points on any spend on Amex Reward Multiplier Portal using Amex Membership Rewards Credit Card
    • Base Valueback in the form of Base Reward Points increases to 2%
    • and if you spend Rs.20,000 in a month including 4 Transactions of Rs.1,500 each on Amex Reward Multiplier Portal, total valueback becomes 6% on spend of Rs.20,000 Spend. Best way to achieve it, is to buy useful gift cards of from Amex Reward Multiplier portal and use them as and when required.
    • Amex Multiplier link: bit.ly/4d1AzI3

Reward Points never expire

 

Lifestyle Benefits

  • Get instant discounts on Restaurent payments, travel and other things: bit.ly/3UmIN5h

Fuel Surcharge Waiver

  • 0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above

Renewal Benefits

5,000 Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal

Reward Redemption

  • Redeem Against following options if you have 24,000 Amex points. Against 24,000 Amex Points, you can get any one of the followings
    • Taj voucher worth Rs. 14,000
    • Shoppers Stop voucher worth Rs. 10,000
    • Tata Cliq voucher worth Rs. 9,000
    • Tanishq voucher worth Rs. 9,000
    • Amazon voucher worth Rs. 8,000
    • Flipkart voucher worth Rs. 8,000
    • Reliance Digital voucher worth Rs. 8,000
  • If you have 18,000 Amex points, you can get any one of the followings
    • Taj voucher worth Rs. 9,000
    • Shoppers Stop voucher worth Rs. 7,000
    • Tata Cliq voucher worth Rs. 7,000
    • Myntra voucher worth Rs. 7,000
    • Amazon voucher worth Rs. 6,000
    • Flipkart voucher worth Rs. 6,000
    • Reliance Digital voucher worth Rs. 6,000
  • Transfer to Hotel Loyalty Programs and Airmiles Program. Best option is Marriott Bonvoy Program which gives 1 Marriott Point against each Amex point. Monetary value of Marriott points can very of Rs.0.4 to Rs.1.2. But its can easily considered as 1 Marriott Point = Rs.0.50 on an average.
  • Redeem Reward Points on booking flight and hotel bit.ly/3UoSWQ8
  • Redeem Reward Points in your Amex Credit Card Statement as Real Cash at 1 Points = Rs.0.25

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 1180
Renewal fee
(INR including GST)
₹ 5310
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 150000

Pros

Aspects that make this credit card amazing.

  • Very high reward Rate considering it’s an entry level card.
  • 6% value back if redeemed points of Mariott Hotels, 4% Valueback if redeemed point on Amazon Pay Giftcard, 3% Valueback if Redeemed points as Real Cash in Statement
  • Many options to choose to redeem the reward points
  • Reward Points can be redeemed as real cash in statement although at reduced rate (1 Reward Points = Rs.0.25 if redeemed against statement balance)
  • Very attractive instant discount offers from Amex, advertised through its mobile app
  • 0% Convenience Fee at HPCL Fuel Stations

Cons

Aspects this credit card lacks.

  • Acceptability issue, specially for offline usage.
  • Relatively high renewal fee if the card hasn’t been applied through a Referral Link. However, if you can Amex customer care at the time of renewal and would request, they generally provide significant discount on renewal fee.

Spend Categories with No Cashback / Rewards

No base reward points on following. But you milestone reward points on everything, no exclusion for milestone rewards.

  • Fuel (includes petrol, diesel, CNG)
  • Insurance
  • Utility (Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.)
  • No reward points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc.
  • However, you will continue to earn Membership Rewards Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.

Add-on Cards

Upto 3 Add-on cards available for free

Eligibility Criteria

  • Age: 18 years or more
  • Income (For Salaried): Rs.6 lacs per annum
  • Income (For Self-Employed): Rs.6 lacs per annum
  • Resident Indian as defined under the Income Tax Act of India
  • residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru
  • Applicant must have an Indian or multinational bank’s savings or current account in India

Upcoming Changes

American Express has temporarily paused the acceptance of new Card applications in India as they are integrating their new platforms for their domestic Card issuing operations.

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(4.4/5)

SpendWisely’s Rating for this Credit Card

(4.4/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(5)
Lifestyle Benefits
(3)
Ease of Reward Redemption
(3)
Value for Money
(5)
Customer Service
(5)

The American Express Membership Rewards Credit Card is an excellent entry-level option, offering attractive reward rates, especially when you factor in the monthly milestone bonuses. This card provides multiple rewarding redemption options, including real cash as a statement credit. The card’s ideal sweet spot is a monthly expenditure of ₹20,000.

If you consistently spend ₹20,000 per month, you can earn an effective value back as follows:

  • 6% value back (2,400 points/₹20,000 spent) if you redeem points at Marriott Hotels (assuming 1 point = ₹0.5).
  • 4% value back if you redeem points for Amazon Pay Gift Cards.
  • 3% value back if you redeem points as a statement credit for real cash.

A value back of 3% to 6% on an entry-level credit card is quite impressive, making this card a strong choice for anyone looking to maximize rewards on everyday spending.

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(3.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
1%
Accelerated Reward Rate
7%
(3.8/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
1%
Accelerated Reward Rate
7%
Full Details
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
5%
(4/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
5%
Full Details
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 1770
Renewal fee
(INR including GST)
₹ 1770
Base Reward Rate
1%
Accelerated Reward Rate
7.5%
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 1770
Renewal fee
(INR including GST)
₹ 1770
Base Reward Rate
1%
Accelerated Reward Rate
7.5%
Full Details
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
(2.6/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.5%
Accelerated Reward Rate
6%
Full Details
(3.2/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.2%
Accelerated Reward Rate
4%
(3.2/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.2%
Accelerated Reward Rate
4%
Full Details
(3.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
0.25%
Accelerated Reward Rate
3.25%
(3.6/5)
Categories:
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 589
Renewal fee
(INR including GST)
₹ 589
Base Reward Rate
0.25%
Accelerated Reward Rate
3.25%
Full Details

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

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American Express Membership Rewards Credit Card

American Express Membership Rewards Credit Card

(4.4/5)