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American Express Membership Rewards Credit Card (MRCC)
By American Express
4.0Editorial Rating
Joining Fee₹1,000 + GST
Annual Fee₹4,500 + GSTWaiver: 100% above 1.5L and 50% above 90K
Reward TypeRewardPoints
NetworkAmex
⭐️
Base Reward Rate
0.4%
⚡
Accelerated Reward Rate
1,000 Bonus Points for 4 txns of ₹1,500+ and Additional 1,000 Points for ₹20,000 monthly spend
Editorial Review
A precise milestone-driven card rewarding users who can optimize monthly transaction counts and volumes
Pros
Points never expire
Powerful monthly milestone system
Access to high-value Gold Collection redemptions
Cons
Lower merchant acceptance in tier-2/3 cities
No lounge access
High annual fee if spend threshold is missed
Eligibility Criteria
Annual income >₹4.5 Lakh (Salaried) or >₹6 Lakh (Self-employed)
Reside in specific Amex-serviced cities