American Express Membership Rewards Credit Card
AMEX · AMEX★4.1/ 5
✓ Details last verified 1 Jan 2025
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AmEx MRCC (Membership Rewards Credit Card) is American Express's entry card in India — 1 MR point per ₹50 spend with strong redemption value via airline and hotel transfer partners. The 18,000 bonus points on joining offer is worth up to ₹9,000 redeemed at hotel partners.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2.50% | — |
| Travel | reward points | 2.50% | — |
| Fuel | reward points | 2% | — |
| Other | reward points | 0.50% | — |
Dining: 5X Membership Rewards points on dining
Travel: 5X points on travel bookings
Fuel: Earns Membership Rewards on fuel — and fuel spends count toward milestone bonuses · HPCL & select fuel merchants
Other: 1X Membership Rewards points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
18,000 bonus MR points on first 3 months + annual milestone
Who is this card for?
- 💳Mid tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Dining (2.50% back).
👍 Pros
- ✓Strong rewards that can offset the annual fee for the right spender
- ✓Simple, accessible entry/mid-tier card
👎 Cons
- ✕Annual fee applies unless the spend-based waiver is met
- ✕Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your amex membership rewards are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit — lowest value
Flights, hotels, voucher catalogue
Best value via partner programs
✈ TRANSFER PARTNERS
🔥 Live offers on this card
2 liveTransfer bonuses and promos running right now for this card's rewards.
25% bonus to Marriott Bonvoy
Festive transfer bonus: move Membership Rewards to Marriott Bonvoy with 25% extra points for free-night redemptions.
Ends 2026-07-10 · view offer ↗
30% bonus to Singapore KrisFlyer
Transfer Membership Rewards to KrisFlyer with a 30% bonus — sweet-spot redemptions on Singapore Airlines business class.
Ends 2026-07-20 · view offer ↗
Frequently asked questions
What is the annual fee for the American Express Membership Rewards Credit Card?+
The annual fee is Rs 4500.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 50000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the American Express Membership Rewards Credit Card are taken from AMEX's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📉 Reward rate changeEffective 1 Nov 2025
AmEx MRCC welcome offer bonus Membership Rewards on the first-spend milestone reduced from 4,000 to 2,000 points.
4,000 bonus Membership Rewards on spending ₹25,000 in first 90 days→2,000 bonus Membership Rewards on spending ₹25,000 in first 90 days
- 💳 Fee changeEffective 1 Jul 2025
American Express MRCC fee-waiver spend threshold increased from ₹1.5 lakh to ₹2 lakh per year. The ₹4,500 annual fee remains unchanged for those who do not meet the threshold.
Annual fee waived on ₹1.5 lakh annual spend→Annual fee waived on ₹2 lakh annual spend
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