1. Please note that your expenses made on fuel*, insurance, utility^ payments and cash transactions will not earn you Membership Rewards Points.
*Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs)
^Utility services include providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organisations; public housing societies and apartment associations
Please note: Effective March 15, 2020, you will not earn Membership Rewards Points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you will continue to earn Membership Rewards® Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.