American Express Membership Rewards Credit Card

The American Express Membership Rewards Credit Card is designed for everyday spenders who want to turn their regular purchases into valuable rewards. With a joining fee of Rs. 1,000 and an annual fee of Rs. 4,500, the card offers meaningful fee waiver thresholds — a 100% waiver if annual spends reach Rs. 1,50,000 or above, and a 50% waiver for spends between Rs. 90,000 and Rs. 1,49,999, making it accessible for those who spend consistently. Cardmembers earn 1 Membership Rewards Point for every Rs. 50 spent, with bonus earning opportunities built in throughout the year. Spending four times on transactions of Rs. 1,500 or more in a calendar month earns 1,000 bonus points, while monthly spends of Rs. 20,000 or above unlock an additional 1,000 points. Upon card renewal, members receive 5,000 Membership Rewards Points, and new cardmembers enjoy a welcome gift of 4,000 bonus points on meeting initial spend criteria. Points can be redeemed through the Gold Collection, offering vouchers from brands like Taj, Shoppers Stop, Tanishq, Amazon, Flipkart, and Myntra. Additional perks include dining discounts at select restaurants, a fuel convenience fee waiver at HPCL, EMI flexibility, and 24x7 card assistance — making this card a well-rounded rewards option for lifestyle-focused spenders.