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    The American Express Membership Rewards Credit Card

    We found 1 The American Express Membership Rewards Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    1000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free Instant Decision
    Pros
    Documents
    Nitty Gritty
    Cons
    Fee Details

    The American Express Membership Rewards Credit Card

    Fees & Charges

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    Credit Card BYTES FROM OUR KITCHEN

    Overview on American Express Membership Rewards Credit Card

    If you want a credit card with an amazing rewards programme, then you should check out The American Express Membership Rewards Card. The rewards can be redeemed to avail attractive gifts and benefits.

    Key Points of American Express Membership Rewards CC

    • Bonus Membership Rewards Points.
    • 5,000 Membership Rewards Points on card renewal.
    • Redeem points for 24 carat and 18 carat Gold Collection.
    • Exclusive offers on travel and dining.

    Features and Benefits of American Express Membership Rewards Credit Card

    • Get 3% cash back at leading fuel stations across India exclusively with your AMEX Card.
    • 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 points to get 18 carat and 24 carat Gold Collection
    • If you lose your Card, your liability is nil after reporting the loss, and is limited to a maximum of only 1,000 before reporting.
    • Enjoy benefits on your travel bookings with MakeMyTrip.com

    Eligibility and documentation of American Express Membership Rewards Credit Card

    Eligibility Criteria of American Express Membership Rewards Credit Card are as follows

    • The applicant must be a resident of India.
    • Applicants should be a minimum of 18 years old.
    • The minimum annual income of the applicant has to be Rs.6 Lakhs if he or she is self-employed or is a salaried individual aged above 32 years.
    • The income requirement is Rs4.5 lakhs for salaried applicants aged below 32 years.
    • Applicants must have a good credit history.
    • Applicants should not have a history of default payments.

    At present, this card is issued to people staying in Delhi (NCR), Bangalore, Mumbai, Pune, Chennai, Jaipur, Hyderabad, Coimbatore, Indore, Ahmedabad, Chandigarh, Vadodara and Surat.

    The documents required for applying for this American Express card are as follows

    • KYC documents such as ID Proof, Address Proof and PAN
    • One recent photograph
    • Form 16/ Salary slip

    At present, this card is issued to people staying in Delhi (NCR), Bangalore, Mumbai, Pune, Chennai, Jaipur, Hyderabad, Coimbatore, Indore, Ahmedabad, Chandigarh, Vadodara and Surat.

    Fees and Charges of American Express Membership Rewards Credit Card

    American Express Membership Rewards Credit Card Fees and Charges
    Type of Fees and Charges Amount
    Fee for the first year Rs.1,000 + Tax
    Fee from the second year Rs.4,500 + Tax
    Finance charges for cash and balance transfer, goods and services 3.5% per month
    Cash advance fee 3.5% of the amount (Minimum – Rs.250)
    Fee for duplicate statement Rs.100 for each statement that a minimum of 3 months old
    Fee for ECS/Cheque/NACH return Rs.250 for each return
    Over limit fee Rs.500
    Summary of fee for charge retrieval or record of charge Rs.100 for each retrieval
    Surcharge on railway tickets 1.8% of the booking amount (if using IRCTC website to book). Minimum – Rs.10
    Fuel Surcharge 2.5% of the transacted amount (except at HPCL stations). At HPCL Stations, the following rates will apply:
    • 0% for transactions that are below or equal to Rs.25,000.
    • 0.3% for transactions that are above Rs.25,000.
    Fee for miles or points reinstatement Rs.200 for each reinstatement
    Convenience fee for payment gas, electricity and water bills It is applicable if payments are made through American Express EPAY or Billdesk standing instructions.
    • Rs.50 for each transaction of up to Rs.15,000.
    • Rs.100 for each transaction ranging from Rs.15,001 to Rs.1,00,000.
    • 1.95% for each transaction that is more than Rs.1,00,000.
    Fee for transactions made in foreign currency Currency conversion factor assessment – 3.5%
    Interest free credit period Up to 52 days
    Late payment charge 30% of the minimum due amount (Minimum – Rs.500, Maximum – Rs.1,000)
    Minimum amount due 5% of the pending account (Minimum – Rs.100)

    The above mentioned rates/fees and charges can be changed at any time at the bank’s discretion.

    How to apply for the American Express Membership Rewards Credit Card?

    You can instantly apply for the card online by visiting BankBazaar.com. On the website, access the credit cards section, look for American Express Credit Cards and then select this card. After that, fill in your personal details and click “Apply” to instantly apply for the card.

    FAQs on American Express Membership Rewards Credit Card

    1. Does the American Express Membership Rewards Card offer emergency card replacement facility?

      Yes, The American Express Membership Rewards Card offers emergency card replacement facility.

    2. I have lost my American Express Membership Rewards Card. What do I do?

      If you have lost your American Express Membership Rewards Card, you should report about the loss immediately to American Express. Also, inform the police and get a copy of the FIR. Send the FIR to American Express along with a detailed report about the incident. The company will replace your card, which you can use after that. The company will cover the cost of any fraudulent transactions that were made using your card after you reported the loss.

    3. Will I earn Membership Rewards Points on the amount that I spend on fuel using my American Express Membership Rewards Card?

      No, you will not earn Membership Rewards Points on the amount that you spend on fuel using your American Express Membership Rewards Card.

    4. How can I pay the bill of my American Express Membership Rewards Card?

      You can pay the bill of your American Express Membership Rewards Card in one of the following ways:

      • NEFT.
      • Direct Debit Facility.
      • Electronic Bill Payment Facility.
      • Cheque or Draft.
    5. Where can I get more details about The American Express Membership Rewards Card?

      You can get more details about The American Express Membership Rewards Card from the website of American Express. You can also contact on the customer care number to get the required information.

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