Amex Membership Rewards Credit Card
Amex · Premium · Amex
Annual Fee
₹3,500
Fee Waiver
₹4L annual spend
Lounge Access
8/year
Best Rate
2%
Network
Amex
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
2%
✈️Travel
2%
🛒Online Shopping
2%
🥦Groceries
2%
💡Utilities
2%
🎬Entertainment
2%
🛍️Shopping
2%
⛽Fuel
0%
How Points Work
2 MR pts/₹50 on select (~2%), 1 pt/₹50 other (~1%) · 1pt = ₹0.20-0.50 · 1,000 bonus pts for 4 txns of ₹1,500+/month · Transferable to hotel/airline partners
💡
Redemption matters
MR points best redeemed via hotel/airline transfers (₹0.30-0.50/point). Catalog redemption gives only ₹0.20/point. Monthly milestone of 4 transactions of ₹1,500+ gives 1,000 bonus points.
🚀 Boosted Rates (Partners & SmartBuy)
Taj HotelsUp to 20% discount
Marriott BonvoyMR point transfers
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
~2% on broad categoriesTransferable MR pointsMonthly milestone bonus₹10K welcome benefitTaj hotel discounts
PROS
✅ Excellent rewards with milestone bonus
✅ Transferable points to airlines/hotels
✅ Premium Amex experience
CONS
⚠️ Limited Amex acceptance in India
⚠️ ₹3,500 joining + ₹5,000 annual from year 2
⚠️ Fuel stations rarely accept Amex
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