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⚖ Add to comparisonAmerican Express · Amex
American Express Membership Rewards Credit Card
This Amex is a milestone game, not a flat earner: hit six Rs.1,000+ transactions and Rs.20,000 monthly spend and the bonus points can be worth several times the Rs.1,500 fee. The base of 1 point per Rs.50 is mediocre on its own, so the value lives entirely in discipline; miss the milestones and it's a poor card. There's no lounge access, and Amex acceptance still thins out at smaller Indian merchants as of 2026, so keep a Visa or Mastercard alongside it. Skip it if your spending is lumpy or you forget monthly targets. Confirm milestone terms on americanexpress.com/in.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Earn 1 Membership Rewards point for each Rs.50 you spend
- ✓Get 1,000 bonus points for each of 6 transactions of Rs.1,000+ in a month
- ✓Add another 1,000 bonus points when monthly spending reaches Rs.20,000+
- ✓Redeem through the 18-for-18 program and gift vouchers
- ✓Welcome bonus of 4,000 points on your early spending
👍 Pros
- + Value is excellent once you meet the monthly milestones
- + Annual fee is low relative to the points on offer
- + Amex customer service and offers are strong
- + Redemption is flexible across vouchers and the catalogue
👎 Cons
- – No airport lounge access
- – Acceptance is limited at smaller merchants
- – Returns hinge on hitting the milestones consistently
Can you get it?
- ▸Indian resident aged 18 or older
- ▸A solid credit history, with a CIBIL score of 750+ recommended
- ▸Minimum annual income of about Rs.4.5 lakh per Amex
- ▸Valid PAN, address proof and KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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