American Express Membership Rewards Credit Card

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American Express Membership Rewards Credit Card

(4.4/5)

Best For: Hotel Points,Online Shopping Discount Offers,Reward Points

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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

Welcome 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.

Rewards and Cashback

1 Reward Point for every Rs. 50 spent
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 Membership Rewards points by spending Rs.20,000 or more in a calendar month

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

Lifestyle Benefits

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

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
Available as First year free if applied through referral link. Click “Apply Now” on the top of this page to apply through referral link.
Many options to choose to redeem the reward points
Reward Points can be redeemed as real cash in statement
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 reward points on following

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.)
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. At the same time, 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

Important Links

Save following links to maximise your rewards with American Express Membership Rewards Credit Card.

A onetime enrolment is mandatory for Monthly Milestone Bonus Reward Points. Here is the link to enrol: bit.ly/3Q5twV2
Amex Reward Multiplier Portal: Get 2x Reward Points on any spend on Amex Reward Multiplier Portal using Amex Membership Rewards Credit Card. Here is the link: bit.ly/4d1AzI3
Amex 24k Gold Collection and 18k Gold Collection Options to Redeem Points: bit.ly/4aE0T9J
Amex Travel Portal to Redeem Points on Flights and Hotels: bit.ly/3UoSWQ8
Amex Discount Offers on Dining, Travel and other things: bit.ly/3UmIN5h
Amex Points Transfer to Airmiles and Hotel Loyalty Programs: bit.ly/3TYGXqZ

Upcoming Changes

N/A

Rating & Reviews

(4.4/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

Reward Value

(5)

Lifestyle Benefits

(3)

Ease of Reward Redemption

(4)

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.

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