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American Express Membership Rewards Credit Card
American Express
A genuine credit card (not a charge card) at a similar fee to Gold, with a real partial-waiver tier most cards don't offer.
₹1,000
Joining fee
₹4,500, waived at ₹1.5L spend
Annual fee
100% renewal fee waiver if annual spend >= Rs 1,50,000 in the preceding year; 50% waiver if spend is Rs 90,000-Rs 1,49,999 (official).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Minimum income: ₹37,500/month
Estimated minimum CIBIL score: 760+
Estimated — not officially confirmed by the bank.
Age: 18+
Resident Indian, age 18+, active Indian bank account, good credit history required (official); income Rs 4.5 lakh+ p.a. salaried, Rs 6 lakh+ p.a. self-employed.
Available only in select cities (official page notes 'select cities only,' specific list not given on this page).
Lounge access
0 domestic / 0 international visits per year
Key features
- 100% fee waiver at ₹1.5L preceding-year spend, 50% waiver at ₹90k–₹1.49L
- 1,000 bonus points for four ₹1,500+ transactions/month
Reward details
1 Membership Rewards Point per Rs 50 spent
Welcome bonus: 4,000 points after spending Rs 15,000 within 90 days of card issuance
- 4 transactions of Rs 1,500+ each in a month: 1,000 points
- monthly spend exceeding Rs 20,000: 1,000 points
- first renewal: 5,000 points
Redemption
Gold Collection catalogue (18,000/24,000-point tiers).
Excluded from rewards: fuel, insurance, utilities, cash transactions, EMI conversions at point of sale
Real-world feedback
Not found in a form specific to this card; TechnoFino forum discusses Amex India cards generally but no card-specific thread was isolated.
Sources
- Official — fees, eligibility, rewards, lounge
- Aggregator — forex rate context only