By choosing the correct Amex card and pairing it with simple strategies like vouchers and memberships, your everyday Uber rides can turn into meaningful savings.
How Amex Cards Help You Save on Uber
Amex credit cards offer accelerated rewards through milestone spends, monthly targets, and voucher platforms like Amex Gyftr. When combined with services such as Amazon Pay, Amazon Prime, and Uber One, the reward value increases even further.
Below is a card-by-card breakdown of how you can optimise Uber spends using popular Amex credit cards.
Amex Membership Rewards Credit Card (MRCC)
The Amex MRCC is ideal for users who prefer predictable monthly spending patterns.
How to optimise:
- Complete 4 transactions of ₹1,500 each in a calendar month (₹6,000 total)
- Purchase Amazon Pay vouchers through Amex Gyftr
What you earn:
- 1,242 accelerated Membership Rewards points
- Total cost: ₹6,053.1 (including processing fees)
- Effective reward rate: 16.41%
If you have Amazon Prime, pay for Uber using Amazon Pay to earn an additional 5% Uber Cash. This increases the total reward rate to 21.41%.
If you don’t have Prime, you can buy Uber vouchers directly from Amex Gyftr instead. This gives a slightly higher reward rate of ~16.53% and saves around ₹53.1 in fees.
Amex SmartEarn Credit Card
The Amex SmartEarn card is designed for everyday services like Uber and works best when used directly on the app.
Monthly spend requirement:
- ₹2,500 on Uber (excluding Auto rides, which require cash payment)
Rewards breakdown:
- Base rewards: 1 MR point per ₹50 = 50 MR points
- Accelerated rewards: 9 MR points per ₹50 = 450 MR points
- Total: 500 MR points (valued at ₹0.8 per point)
This works out to a reward rate of 16%.
Adding an Uber One membership gives an extra 10% back as Uber credits, taking the total benefit close to 26%.
Important: Vouchers cannot be purchased via Amex Gyftr using this card. Payments must be made directly on the Uber app.
Amex Platinum Travel Credit Card
This card works on milestone spends and is best suited for users with higher annual expenses.
Strategy for ₹1,90,000 annual spend:
- Allocate ₹1,20,000 via Amazon Pay vouchers through GyftrSpend remaining ₹70,000 earning base rewards (1 MR point per ₹50)
Total rewards earned:
- 7,263 MR points from vouchers
- 1,400 MR points from base spends
- 15,000 MR milestone bonus
Total: 23,663 MR points
Effective reward rate: ~9.96%
Strategy for ₹4,00,000 annual spend:
- Base rewards: 4,200 MR points
- Milestone rewards: 15,000 + 25,000 MR points
- Other rewards: 8,663 MR points
Total rewards: 52,863 MR points + ₹10,000 Taj voucher
Effective reward rate:
Adding Uber One boosts returns by another 10%, taking total value close to 23.07%.
Amex Gold Charge Card
The Amex Gold Charge card offers one of the highest reward rates for structured monthly spending.
How to optimise:
- Complete 6 transactions of ₹1,000 each(₹6,000 total) in a calendar month
- Buy Amazon Pay vouchers through Amex Gyftr
What you earn:
- 1,605 accelerated MR points
- Total cost: ₹6,053.1 (including processing fees)
- Reward rate: Approximately 21.21%
Using Amazon Pay with Prime adds another 5% Uber Cash, taking total rewards to ~26.21%.
Without Prime, directly buying Uber vouchers gives a slightly higher reward rate of ~21.33% and saves ₹53.1.
Key Takeaways for Regular Uber Users
Any Amex card can work well for Uber spends when combined with the right setup. Pairing your card with Uber One and Amazon Prime can increase rewards by up to 15%.
If Amazon Prime isn’t available, buying Uber vouchers through Amex Gyftr and adding Uber One separately is a good alternative. In case Uber One doesn’t appear in your app, a quick email to Uber usually gets it activated.
Making the Most of Your Uber Spends
Amex cards offer multiple ways to earn strong returns on Uber, with total value going beyond 26% when used smartly. The key is understanding your card’s reward structure and using the right combination of vouchers, memberships, and milestones.
For frequent Uber users, cards like the Amex Gold Charge and SmartEarn deliver the highest returns, while milestone-based cards like Platinum Travel work well for long-term, high-spend users.
High end credit cards like American Express are often used by multiple credit card holders. For them managing loyalty programs and credit card rewards should be easy and for this purpose, the smart credit card app like SaveSage is highly recommended. This app assists you to keep everything simple with the help of an AI assistant which acts as your personal credit card manager.