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AMERICAN EXPRESS BANKING CORPORATION
American Express Membership Rewards Credit Card
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Verified Catalog
Source: AMERICAN EXPRESS BANKING CORPORATION Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
4,000 Bonus Membership Reward Points as a welcome benefit. 1 Membership Reward Point per ₹ 50 spent. 2X Membership Rewards on all spends through Rewards Multiplier portal. 1,000 Membership Reward Points on the spending of ₹ 20,000 in a calendar month 5,000 Membership Reward Points on paying the 1st-year renewal fee of ₹ 4,500 A spend-based waiver on a renewal fee 1% waiver on fuel surcharge at all HPCL fuel stations Get special dining discounts up to 20% off
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
4,000 Bonus Membership Reward Points as a welcome benefit.
Highlight 2
1 Membership Reward Point per ₹ 50 spent.
Highlight 3
2X Membership Rewards on all spends through Rewards Multiplier portal.
Highlight 4
1,000 Membership Reward Points on the spending of ₹ 20,000 in a calendar month
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹1,000
The front-loaded charge when you apply.
Annual fee
₹4,500
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹1,350
Cashback/Reward Points value at ~₹0.25 per point.
Annual Fee: ₹4,50030% Offset
Earns back 30% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"2 Domestic Lounge Access Every Quarter (8 Each Year)"
Hotel Privileges
"10X Reward Points on spends on Uber (max cap of 500 Points)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Redeem your membership reward points accrued with American Express 18 and 24 Karat Gold Collection"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Pros Membership Reward Points do not expire. There are no reward points earned on transactions made for fuel and utilities. Cons This card is exclusively available to residents of specific cities (Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru)."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- APR: 3.5% per month
- Rewards Type: Cashback/Reward Points
- Welcome Offer: 4,000 Bonus Membership Reward Points as a welcome benefit.
- 1 Membership Reward Point per ₹ 50 spent.
Cons
- 5,000 Membership Reward Points on paying the 1st-year renewal fee of ₹ 4,500
- A spend-based waiver on a renewal fee
- 1% waiver on fuel surcharge at all HPCL fuel stations
- Get special dining discounts up to 20% off
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