American Express Membership Rewards Credit Card
American Express Membership Rewards Credit Card from American Express is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 4,500 | Reward type: Reward Points | Best for: Shopping, Partner Brands
Estimated value per Rs 100 of eligible spend.
American Express Membership Rewards Credit Card Overview
American Express Membership Rewards Credit Card is an American Express credit card. Base reward value is about Rs 0.66 per Rs 100 of eligible spend. Zlash checks boosted categories like partner brands along with caps and exclusions.
Best For
American Express Membership Rewards Credit Card is most useful when your spends regularly fall into partner brands.
Rewards
partner brands
2x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, utility bills, insurance.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 15,000.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
0% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 6,000 in a monthly period for benefit value around Rs 330.
- Spend Rs 20,000 in a monthly period for benefit value around Rs 330.
Zlash Verdict
Choose this card when shopping, partner brands match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of American Express Membership Rewards Credit Card?
The listed annual fee is Rs 4,500.
What is American Express Membership Rewards Credit Card best used for?
American Express Membership Rewards Credit Card is most useful when your spends regularly fall into partner brands.
Does American Express Membership Rewards Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, utility bills, insurance.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.