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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 23 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 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 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 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.0
    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
    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?
    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
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using AMEX credit card from more than 1 year, the credit card services are pretty good when compared to all other credit cards. There is no annual fee charged for this credit card. I get offers like reward points on all transactions. I use net banking for making payments and i have a credit limit of Rs 1 lakh in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • American Express Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      It was a good experience with Amex Bank for the platinum travel card. There were no documents collected physically, I had to upload it online. The process was on time. The credit limit is also good. There are good rewards on the card if I spend to a certain limit. I would get travel vouchers. There are no annual charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • American Express Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      It was a nice experience with Amex Bank. The customer services are good and they were responsive too. The process was also good. I have taken a Gold card. The best is the rewards point system. I can redeem the points online for shopping or I can pay my bill. There are charges for the card. The limit is satisfactory. I got 4,000 Bonus Membership Rewards Points as a joining perk.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 22, 2018
    • American Express Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      The process was smooth at Amex Bank and there was a proper response from them. There are no hassles I received the card on time. The credit limit is good and there are no charges for the credit card. It is a membership rewards card and in all a good experience.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • American Express Credit Card
      "Looking for good offers"
      0.5 3.0/5 "Satisfactory"
      My credit card application was approved with AMEX and the experience was average. The process was quite long and it took 20-25 days to receive the credit card. I have a credit limit of Rs 2 lakhs which is sufficient for this credit card. There is no annual fee charged for the first year and from second year Rs 4000 has to be paid. I submitted my documents online and the customer service was good. I did not find any offers in this card and i use this card for shopping purpose.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 22, 2018
    • American Express Credit Card
      "Looking for Credit Limit"
      0.5 3.0/5 "Satisfactory"
      On Amex credit limit is very low, infact four year back itself I got best credit limit in other bank. But Amex gave me lower limit I reach their customer service to enhance the limit. They told will upgrade the limit after six months. Many time I heard about their customer service is doing good job, hence I took credit card from Amex.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 22, 2018
    • American Express Credit Card
      "Excellent bank"
      0.5 5.0/5 "Blown Away!"
      I hold a platinum travel credit card with Amex Bank. The customer services are good and it is a free card for the first year. The credit limit is good and the process was also on time. There are airport lounges which I can use through this card. Good overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • American Express Credit Card
      "Descent"
      0.5 2.0/5 "Expected more"
      I am having the American express credit card and it contains unlimited credit limit. I would like to say that the customer service is good one with the American express credit card. Online services are also better one for me with the Amex credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 21, 2018
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with AMEX with a limit of 4.5 lakhs. I am satisfied with the limit. I am not sure about the reward points and cash back with the card. There is no annual charge with the card. The net banking facility with the card is good.The customer service and response with the bank is fine.
      Was this review helpful? 0
      , surat
      Reviewed on Feb 21, 2018
    • American Express Credit Card
      "Good for Online shopping"
      0.5 5.0/5 "Blown Away!"
      AMEX customer care is very responsive, if I call them any time, they immediately pick up and resolve my queries. But interest rate is higher than CITI or SBI. Its a good card but all the merchandiser wont accept this card. But I can purchase anything through online.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Good for Online shopping"
      0.5 5.0/5 "Blown Away!"
      AMEX customer care is very responsive, if I call them any time, they immediately pick up and resolve my queries. But interest rate is higher than CITI or SBI. Its a good card but all the merchandiser wont accept this card. But I can purchase anything through online.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with AMEX with a limit of 50000. I am not satisfied with the limit. I have not yet received any cash back or reward points with the card. They do provide air ticket benefits with the card.Annual charge is free for 1st year. Customer service is not up to the mark.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Can be more clear in charges."
      0.5 5.0/5 "Blown Away!"
      It was a great experience with Amex Bank for the gold credit card, and it was hassle free too. I have not faced any problem. There is no preset credit limit. In other cards they have a preset limit. But here it depends on the payment patterns and the limit is enhanced. There are features of airport lounges. The annual fee is okay for me. But there is a fee called Conveyance fee on fuel. On every transaction of fuel I am charged that fee. For example, if I have put fuel for 2k, the charges are of 25 to 30rs plus GST. I was informed about all the other charges but I am not aware of this conveyance fee. The other banks do not charge this.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Good card to use"
      0.5 4.5/5 "Excellent!"
      I have got THE AMERICAN EXPRESS® PLATINUM TRAVEL CREDIT CARD within 10 days of time. The customer support service was prompt with the American express, their executives came to my place to collect the documents on time. I am not satisfied with the credit limit value, they have offered me the low credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It is a best experience with Amex credit card team. The offers and benefits are good with Amex every month they provide me with 1000 reward points and each point is worth of 25 paise at the end of the month I will be getting rs.300 from those 1000 reward points. I use to get 4500 cash back for 18 k points and also 7500 cash prize which is not available with other credit cards. The customer support is good, I am happy with the service of Amex credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Not bad"
      0.5 3.0/5 "Satisfactory"
      I have taken my credit card with AMERICAN EXPRESS Bank. The credit limit was 5 lakhs which is satisfactory . The customer service and responses was good . The fees and charges are bit high .I am getting reward points benefits . My overall experience was not good.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Better Credit Card"
      0.5 5.0/5 "Blown Away!"
      The American Express membership rewards Credit card Is A better credit card to use I have not yet used much with this credit card since I am using it for few days , I have done bill payments, On line Transactions, bookings on on line, The credit limit which I expected was not given but It was satisfied to make commitments with this limit , May be In future the credit limit can be High in future and fees also, Rather than that the credit card is good to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Good services and features"
      0.5 4.0/5 "Great!"
      I hold a membership rewards credit card with Amex Bank. I am happy with the process as I got the card on time. I was informed about the charges for the card so I am okay with it. If I use my card for four transactions in a month and each transaction should be of 1K. I would get 1000 points which I can redeem for my bill payment.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • American Express Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The AMERICAN EXPRESS PLATINUM CREDIT CARD is used by me more than a month. The customer support service is good with the American express. I credit limit value is low with the AMERICAN EXPRESS PLATINUM CREDIT CARD , the annual fee of Rs,3500 I need to pay to this AMERICAN EXPRESS PLATINUM CREDIT CARD.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 19, 2018
    • American Express Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with AMERICAN EXPRESS BANKING CORPORATION with a limit of 40000. I am satisfied with the limit. I have not received any cash back or reward points since i have not started using the card. There is no annual charge for 1 years with AMEX.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 17, 2018
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