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American Express Membership Rewards Credit Card

(

3.5

)

Beginner

Best For: Shopping

From

American Express Gold Corporate Card

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American Express Gold Corporate Card

American Express Membership Rewards Credit Card, or Amex MRCC, is an entry-level offering from Amex India. For referral applications, the first year is free and the annual fee is reduced to Rs 1500. However, don’t let the entry-level tag mislead you. Amex MRCC can be more rewarding than some premium credit cards if used properly. Spending Rs 20000 in a calendar month can earn us 2000 bonus MR points, making it one of the easiest ways to earn MR points. As part of the Amex MRCC, we also get access to the Gold Collection for redemption, where we can get Amazon Pay vouchers and Tanishq gift cards.

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Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Rewards

Reward %

0.02

Joining Fees

₹

1000

Renewal Fees

4500

APR

42%

Welcome Benefit

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.

Renewal Benefits

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.

USP's:

BONUS MEMBERSHIP REWARDS POINTS, Monthly Spend Milestone, ADDITIONAL REWARDS ON CARD RENEWAL, AMERICAN EXPRESS EMI

Fees & Charges

Joining & Renewal Fees

4500

Interest & Charges

Additional Charges

Rewards

Regular Rewards on Eligible Spends

Online Shopping,Wellness,Grocery,Clothing

Milestone Benefits

1000 Membership Reward Points on 4 Transactions of Min 1500 EachBonus 1000 Membership Reward Points on Spending 20000Spend 90000 to get 50% Renewal Fee WaiverSpend 150000 to Get Full Renewal Fee Waiver

Exclusions

Fuel, Insurance, Jewellery, Utilities

Rewards capping

Redemption modes

Hotel Transfer
Airline Transfer
Brand Voucher
Pay by Points
Travel Booking

Additional Features

travel-3d

Lounge Benefits

  • Domestic : No
  • International : No
cashback-3d

Insurance Benefits

  • No Insurance Benefits
3902003

Other Perks

  • Upto Rs 10000 Instant Cashback on Apple Products.
  • 20% Discount on Dining Bills at Select Partner Restaurants.

Eligibility Criteria

Age

18Y

Min

70Y

Max

Credit Score

750

Ex Min

Income

(

Self Employed

)

₹

Rs. 6 Lakhs above

Income

(

Salaried

)

₹

Rs. 6 Lakhs above

Other: Card-to-card eligibility requirements.

Pros

Annual fee waiver on meeting the spending threshold.
Points redemption options across travel, luxury brands, and Gold Collection.
Welcome bonus in the form of reward points redeemable for premium vouchers.

Cons

Limited acceptance in smaller retail stores compared to Visa/Mastercard.
No reward points on fuel, utility payments, and insurance spends.
High renewal fee if spending criteria are not met.
Base reward rate is lower compared to other premium cards.

Terms and Conditions *

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