How are the points I earn calculated?

Subject to the terms and conditions of the Membership Rewards Program, Cardmembers will earn Membership Rewards Points, as mentioned below:

Personal Cards:

• On the American Express Platinum Card, you earn 5 Membership Rewards Points for every Rs. 100 spent on Fuel* (capped at a maximum of 5000 Points every calendar month), and No Membership Rewards Points on spends at Insurance and Other Utility Services^. You also earn 1 Membership Rewards Point for every Rs. 40 on all other spends.

• On the American Express Gold Card, you earn 1 Membership Rewards Point for every Rs.50 spent on Fuel* (capped at a maximum of 5000 Points every calendar month) and on Other Utility Services^ (capped to a maximum of 10000 Points every calendar month), and No Membership Rewards Points on spends at Insurance^. You also earn 1 Membership Rewards Point for every Rs. 50 on all other spends.

• On all other Personal Cards, you earn 1 Membership Rewards Point for every Rs. 50 spent on all purchases, except Fuel*, Insurance and Other Utility Services^, where you earn No Membership Rewards Points.

• On all Personal Credit Cards, Cardmembers will not earn Membership Rewards Points on any EMI option selected from a merchant's website (e.g. online shopping with Amazon or Flipkart) and on any EMI option selected at a merchant's terminal (e.g. a Chip and PIN transaction at a Croma store).


Corporate Cards:

• On the American Express Platinum Corporate Card, you earn 1 Membership Rewards Point for every Rs. 40 spent on all purchases, except on Telecommunications#, Insurance, Fuel* and Other Utility Services^, where you earn 1 Membership Rewards Point for every Rs. 100 spent.

• On the American Express Corporate Card, you earn 1 Membership Rewards Point for every Rs. 50 spent on all purchases, except on Telecommunications#, Insurance, Fuel* and Other Utility Services^, where you earn 1 Membership Rewards Point for every Rs. 100 spent.

* Fuel includes spends on petrol, diesel, CNG, other products from Oil Marketing Companies (OMCs) .

^ Other Utility Services include 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.

Telecommunications includes providers of landline phones, mobile phones, cable and other pay TV services, and calling cards.