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American Express Membership Rewards® Credit Card

Welcome Gift of 4,000 Bonus Membership Rewards® Points
First Year Fee: Rs. 1,000 plus applicable taxes (Second Year onwards: Rs. 4,500 plus applicable taxes)

Card Type
Annual fee
First Year fee : Rs. 1,000 plus applicable taxes
Second Year onwards : Rs. 4,500 plus applicable taxes
Reward Earn Rate
Earn 1 Membership Rewards® Point for every2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale2.
Fee Waiver
The Annual Membership Renewal fee of Rs.4500 will be 100% waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.90,000 to Rs.1,49,999.

Key Benefits


Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month


Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of annual membership fee. Points to be credited within 90 days of Card renewal


Redeem your Points from the fabulous 18 and 24 Karat Gold Collection


Split the payment and not the joy. Use your American Express Credit Card for your next big purchase & pay in EMI
Rewards Programme
1,000 Bonus Membership Reward Points for the first Standing Instruction registered within 5 months of Cardmembership

Earn 1 Membership Rewards® Point for every2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale2.
Get any one of the fabulous reward options from the stunning new 18 and 24 Karat Gold Collection4, specially chosen for you.
24,000 MR points / 24 Karat Gold Collection: (you can choose any of them)
  • Taj voucher worth Rs. 14,000
  • Tanishq voucher worth Rs. 10,000
  • Statement Credit worth Rs. 9,000
18,000 MR points / 18 Karat Gold Collection: (you can choose any of them)
  • Taj Voucher worth Rs. 9,000
  • American Express Domestic Travel e-voucher worth Rs. 7,0005
  • Amazon e-voucher worth Rs. 7,000
  • Statement Credit worth Rs. 6,000
Offers and Privileges
Enjoy convenience, exclusive benefits, assistance at any hour and much more. Your American Express Membership Rewards®Credit Card brings a host of special privileges, only for you.
Enjoy freedom and convenience
Enjoy the flexibility and convenience to pay your Credit Card bill, fully or partially. You can also convert your spends into easy monthly instalments with the American Express EMI
Fuel Convenience Fee Waiver
Enjoy exciting discounts of up to 20% every time you dine at select restaurants.Click here
Amex Pay
Services on your Card
  • 24X7 Card Related Assistance
  • Dispute Resolution
  • Zero lost Card liability
  • Emergency Card Replacement
  • Two Supplementary Membership Rewards® Credit Cards at no additional cost
Contactless Payment
Your American Express Card may be enabled for contactless payments. To see if your Card is contactless, look for the contactless symbol network on the front and back of your Card.
To save time before you apply for your Card, it’s best to make sure you can say yes to the following:
  • I/We confirm that I / supplementary card applicant/s is a Resident Indian as defined under the Income Tax Act of India and hereby declare that I/We will notify American Express Banking Corp. if there is a change in the residential status.
  • I understand American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat & Vadodra subject to conditions.
  • I have a Personal Annual Income of Rs. 6 Lakhs and above (in case of Self Employed or Salaried).
  • I am over 18 years of age
  • I have an Indian or multinational bank’s savings or current account in India
  • I have a good credit history and no payment defaults
  • I have a current/permanent residential address in India
  • If self-employed: My company has been trading for more than 12 months

Ready to Apply

Welcome Gift1 of 4,000 Bonus Membership Rewards® Points
    1.Welcome Gift is available only in the 1styear on payment of the annual fee and on spending INR 2,000 within 60 days of cardmembership.

    2.You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.

    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.

    3. 0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 25,000 and 0.3% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 25,000 and above

    4. For latest options available under Gold collection please check here.

    5. American Express Domestic Travel Online Voucher availed under 18K Gold collection must be redeemed by 31st December 2020.