by American Express · Updated October 2026
Earn 1,000 bonus points every month just by using the card 4 times.
You'll apply on the official American Express page. We never ask for your details.
1,000 bonus MR points on 4 transactions of ₹1,500+ a month
Extra bonus points on ₹20,000 monthly spend
Redeem via 18K/24K Gold Collection for high value
Annual fee waived on ₹1.5 lakh yearly spend
No points on fuel, insurance or utilities. Amex isn't accepted at every merchant and doesn't work on UPI.
Approximate value back on every ₹100 you spend.
The Amex Membership Rewards® Credit Card is worth it if you spend a lot on online shopping (3%) and groceries (3%). The ₹4,500 annual fee is waived when you spend ₹1,50,000 a year (about ₹12,500 a month), so it's worth it if you'll hit that. It's less suitable if no points on fuel, insurance or utilities.
Featured in: Best Credit Cards in India · Best Premium & American Express Credit Cards in India
Compare: Amex Membership Rewards vs Amex Gold · Amex Membership Rewards vs Cashback SBI Card
21–60 years (salaried), up to 65 (self-employed)
~₹6 lakh/year (approx.)
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹1,000 and the annual fee is ₹4,500 (plus GST). The annual fee is waived if you spend ₹1,50,000 or more in a year.
No. The Amex Membership Rewards® Credit Card runs on Amex, and only RuPay credit cards can be linked to UPI.
No, the Amex Membership Rewards® Credit Card doesn't include complimentary lounge access.
It's best for monthly bonus points. Earn 1,000 bonus points every month just by using the card 4 times.
Approximately ~₹6 lakh/year, though the issuer makes the final decision based on your credit profile.
American Express
American Express
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