American Express
American Express Membership Rewards Credit Card
Data Verified
Last checked: 25 Feb 2026Best for those who spend regularly and want to maximize bonus reward milestones.
Earn 1 Membership Rewards point for every ₹50 spent. Includes monthly bonus of 1,000 points on 6 transactions of ₹1,000+ each, and 1,000 bonus points on ₹20,000 monthly spend.
RewardsLifestyleShopping
Annual Fee
₹4500
Fee waived on ₹1.5 lakh annual spend
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"The American Express Membership Rewards Credit Card (MRCC) is a points machine for consistent spenders. The monthly bonus point milestones are the easiest way to rack up Amex MR points, which can be transferred to Marriott, Hilton, Vistara, and more. Excellent customer service and protection. Verdict: The gateway card to the Amex ecosystem."
Key Privileges
Welcome Benefit4,000 bonus Membership Rewards points
Fee WaiverFee waived on ₹1.5 lakh annual spend
Interest Rate (APR)42%
Min. Income₹6 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹6 lakh per annum
- EmploymentSalaried/Self