American Express
Gold · Membership Rewards
American Express Membership Rewards Credit Card
American Express
Earn accelerated MR points on dining and shopping
Annual Fee
₹1,500
Joining Fee
₹1,500
Reward Rate
1.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹6,230
Total Annual Benefits
₹8,000
Total Annual Charges
₹1,770
ROI
452%
Fee Waiver Available
Annual fee waived on spending ₹1.25 Lakh in the preceding year — ₹1,25,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Dining Benefits (1)
2X MR on Dining
Earn 2X Membership Rewards points on all dining transactions at restaurants and cafes
- • Restaurants, cafes, and food delivery platforms
2X MR points
Shopping Benefits (1)
2X MR on Shopping
Earn 2X Membership Rewards points on all shopping spends at retail and online stores
- • Retail and online shopping stores
2X MR points
Reward Points (1)
1X MR on Other Spends
Earn 1 MR point per ₹40 spent on all other purchases
1X MR points
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹500–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
American Express Membership Rewards
1 MR per ₹40 (2X on dining & shopping)
Effective cashback: 1.25%
Points expire: Points do not expire as long as card is active
Redemption Options
- → Transfer to airline partners (1 MR = up to 1 air mile)
- → Transfer to hotel partners
- → Statement credit (1 MR = ₹0.25)
- → Gift cards and merchandise
- → Travel bookings via Amex portal
Bonus Categories
Dining
2x multiplier
2X MR on dining spends
Shopping
2x multiplier
2X MR on shopping spends
Other
1x multiplier
1X MR on all other purchases
Milestone Bonuses
5,000 bonus MR points on spending ₹1.5 Lakh annually
Spend ₹1,50,000 annually
5,000 MR Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,500 Excluding GST |
| Annual Fee | ₹1,500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,500
- Cash Advance Fee
- 3.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Subject to credit assessment and internal policies
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility 2X rewards on dining and shopping Amex membership rewards transfer partners Amex mobile app and online management
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The American Express Membership Rewards Credit Card (MRCC) offers 2X Membership Rewards points on dining and shopping categories, making it an excelle...
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