Amex Membership Rewards credit card credit card
Joining Fee:

₹1000 +GST

Return Percentage:

1.5% to 3%

Credit Card Overview

A rewards-centric card offering accelerated Membership Rewards points on everyday transactions, including travel, dining, and e-commerce. Cardholders benefit from flexible redemption options and milestone rewards worth up to ₹5,000 annually.

Best Suited For: Airline Transfer, Hotel Transfer

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Fees and charges at a glance

Annual fee
₹4,500

Charged every year you keep the card

Joining fee
₹1,000

Paid once when you get the card, plus GST

Reward rate
1.5% to 3%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
42% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Amex Membership Rewards credit card — Earn Categories

Where you earn more

  • Acer via Amex Rewards MultiplierOnline · Electronics2 MRs / ₹50

    There is no minimum spend required and no maximum cap on the Membership Rewards Points you can earn under this offer, and it can be availed multiple times during the offer period.

  • Ajio via Amex Rewards MultiplierOnline · Shopping2 MRs / ₹50

    There is no minimum spend required and no maximum cap on the Membership Rewards Points you can earn under this offer, and it can be availed multiple times during the offer period.

Everyday rate

  • Base Rewards1 Membership Rewards (MRs) / ₹50

20 more earning categories on this card

We track all 23 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Utilities
  • Fuel
  • HPCL
  • Insurance
  • UPI