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    We found 1 The American Express Membership Rewards Credit Card
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    The American Express Membership Rewards Credit Card is Rated as "Excellent!" by 71 Users

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    The 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

    • 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
    • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs.1,000 and above every month
    • Option to convert the big purchases into EMIs
    • Earn 1 Membership Rewards Point for every Rs.50 spent except for spends at Fuel, Insurance, Utilities and Cash Transactions.
    • 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
    • Cardholders can avail up to 20% off each time they dine at selected partner restaurants.

    Eligibility and documentation of American Express Membership Rewards Credit Card

    Eligibility Criteria of American Express Membership Rewards Credit Card

    • 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 salaried.
    • 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

    • 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.0
    Fee from the second year Rs.4,500 + Tax
    Finance charges for cash withdrawal and balance transfer 42% per annum
    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
    Miles or points reinstatement fee Rs. 250 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?
    2. Yes, The American Express Membership Rewards Card offers emergency card replacement facility.

    3. I have lost my American Express Membership Rewards Card. What do I do?
    4. 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.

    5. How can I pay the bill of my American Express Membership Rewards Card?
    6. 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.
    7. Where can I get more details about The American Express Membership Rewards Card?
    8. 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.

    Credit Card Reviews

    • American Express Credit Card
      "Cashback benefit offer"
      0.5 4.0/5 "Great!"
      In Amex their is annual charges of Rs. 1000 in first year. For the 2nd year they are charging for Rs. 3000. IT can be redeemable through cashback. Otherwise it will get waived off i use some amount. They used to give some rewards points, i will redeemed points towards the annual fee. If i swipe of Rs. 1000 minimum of 4 times, then i will get Rs. 1000. If i get 18000 points, if i redeem the same then i will get Rs. 7800
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Amex Membership Rewards card for a while. The limit is good, they also provided reward points and offers. I've never come across any issues with their services. I am happy with their services so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I was looking for a card which is suitable for on-line shopping and it as good with it. There has also been good offers with the card as well. The process in getting the card has been very smooth and easy and the card has reached on time as well. I have started using the card for shipping and other on-line purchases as well. The only issue was that they had provided me with a less credit limit with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • American Express Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have chosen to go with this card since it has been recommended and it has been a good experience with the card so far. First year there has not been any annual fee but from the next year it will be an annual fee of 4000. I have used the card for purchasing and some other purposes as well. The process in getting the card has been easy and it has taken less time in getting it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • American Express Credit Card
      "Its not a worth card to use"
      0.5 3.0/5 "Satisfactory"
      For the first they have waived off my annual fee. From the second year, they are charging Rs. 3500 as annual fee. In most of the merchants the card is not accepted by them. I'm not happy with the card. I don't receive any offer so far. I have been using this card for 1 month.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • American Express Credit Card
      "Good Card to Use"
      0.5 4.0/5 "Great!"
      The American express is mainly for the flight ticket booking. This card using as rewards points. Actually some offer is there. If i spend Rs. 1000 then i will get some rewards points. I haven't use this card much. It is a life time credit card. They have offered me a credit limit of Rs. 50000 and i was expected more than this.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • American Express Credit Card
      "Good Service and rewards"
      0.5 4.0/5 "Great!"
      The Amex Membership rewards credit card is a very useful card. They offer More reward points and offers, The limit is fair. The only drawback with the card is that it is not accepted everywhere. The Amex machine is not available with all the merchants. Other than that it has been a great experience with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • American Express Credit Card
      "Basic But Good Card"
      0.5 4.0/5 "Great!"
      I used to get offers regarding the rewards points. They are charging a annual fee of Rs. 5500. I haven't checked the interest rates and EMI conversion charges. Their is no much offers in this available. If I'm using this card 1000+ more by using this card for a single swipe then i will more rewards points. Annual fee waiver should be there in this card in future
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 10, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have chosen this card since the card has been having good offers compared with the other cards. The credit limit which they had provided with the card has been good and satisfactory. The process in getting this card has been good and the card has reached on time. I have started using the card for shopping and other on-line purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2018
    • American Express Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have chosen this card since because of the reward point system which is having with this card. The process in getting this card has been easy and went smooth,and the card had reached on time. But the credit limit with the card has been less than i expected. Apart from that there has not been any kind of issues faced so far.There has been an annual fee with the card which has been nominal.
      Was this review helpful? 0
      , surat
      Reviewed on Jun 05, 2018
    • American Express Credit Card
      "Status Symbol Card"
      0.5 5.0/5 "Blown Away!"
      Rewards points are very good. I have to pay Rs. 1000 as annual fee from the 2nd year. I took this card because of the brand value of American express card. Just now i started using this card, i cannot say more about it now. Regularly I'm receiving a notification about the offer like 2 to 3 mails on week. So far i have done only 2 transactions. I can use this card only in premium places
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 03, 2018
    • American Express Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      It is good to use the American express membership rewards credit card and I use it for more than a year. They have offered me 1000 for the cash back and I get the returns on the same. The customer support service and the response is good with the AMEX.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 31, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the THE AMERICAN EXPRESS® MEMBERSHIP REWARDS CREDIT CARDbecause they got best rewards and Cash back offers. The limit is very low than I expected, which might be increased based upon my usage. As of now I never faced any difficulty with their services.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have selected this card since the card was offering good offers in rewards. There has been bonus points in the transactions, even we are able to earn back 15-20% of our money. There has been no joining fee but the annual fee has been a little high. Other than that all the features has been great with it. The customer service of them had been outstanding and the card has reached on time and the process has been easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 21, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have been holding this card for almost 4 months, it has been a very good service which they ahve provided so far. Even the annual fee will be waved off as per the usage, and we will be able to get good points out of the purchases we make online. I have been using this card for my online purchases, hotel booking and also for travel purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Even though the credit limit of Amex Membership Rewards Card's Credit is very good, the charges associated with the card are really high. They offer 2 reward points for every 100 rupees spent which is a coll feature. I never had any issues with the card and its features.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 15, 2018
    • American Express Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      The services which they have been providing has been good. even the credit limit which they have provided with the card is also good. the reward points has been less compared with the other cards, and also the annual fee had been a little less. I have been using the card for most of my online purchases.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 15, 2018
    • American Express Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The only drawback with the Amex Memebership Rewardz credit card is that the annual fee is very high when compared to other cards. They offered me a fair limit of 2 lacs but not all the departmental stores are accepting this credit card as a mode of payment which was disappointing.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 09, 2018
    • American Express Credit Card
      "Good Service, Not accepting everywhere"
      0.5 2.0/5 "Expected more"
      The most of the merchants are not accepting the Amex membership reward card, because of the charges 3% charges levied to the merchants even in petrol bunks. The offers are good, 250 cash back which is difficult to spend the desired limit. Overall I never had any issues with the Card.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 05, 2018
    • American Express Credit Card
      "Good Card with low limit"
      0.5 4.0/5 "Great!"
      I've been using the Amex membership reward card for few months now. The card has a very low limit which is the only issue I've with this card. Other than that the service is good and customer support is also very good. Overall I never had any issues with the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 04, 2018
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