{"id":86326,"date":"2026-04-14T16:23:21","date_gmt":"2026-04-14T10:53:21","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86326"},"modified":"2026-04-14T16:23:29","modified_gmt":"2026-04-14T10:53:29","slug":"american-express-membership-rewards-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/american-express-membership-rewards-credit-card\/","title":{"rendered":"Earn Easy Rewards with the American Express Membership Rewards Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 1 point for every \u20b950 spent on eligible purchases.<\/li>\n\n\n\n<li>Get 4,000 welcome points after initial card usage.<\/li>\n\n\n\n<li>Explore Gold Collection rewards at 18,000 or 24,000 MR points.<\/li>\n\n\n\n<li>Renewal bonus gives 5,000 points after the first year.<\/li>\n\n\n\n<li>Annual fee waived on spending \u20b91,50,000.<\/li>\n\n\n\n<li>A partial fee waiver applies to spending above \u20b990,000.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The American Express Membership Rewards Credit Card offers simple rewards on everyday spending. You earn 1 Membership Rewards Point for every \u20b950 spent, except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale.<\/p>\n\n\n\n<p>It comes with a welcome gift of 4,000 points when the card is used at least 4 times. The joining fee is \u20b91,000+taxes, while the annual fee is \u20b94,500+taxes. The card also offers 2 supplementary cards at no extra cost.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#american-express-membership-rewards-credit-card-benefits\">American Express Membership Rewards Credit Card Benefits<\/a><\/li><li><a href=\"#american-express-membership-rewards-programme\">American Express Membership Rewards Programme<\/a><\/li><li><a href=\"#how-to-apply-for-the-american-express-membership-rewards-credit-card-emi\">How to Apply for the American Express Membership Rewards Credit Card EMI?<\/a><\/li><li><a href=\"#american-express-membership-rewards-credit-card-charges\">American Express Membership Rewards Credit Card Charges<\/a><\/li><li><a href=\"#american-express-membership-rewards-credit-card-eligibility\">American Express Membership Rewards Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"american-express-membership-rewards-credit-card-benefits\"><strong>American Express Membership Rewards Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Amex-Membership-Rewards-Benefits-1024x683.png\" alt=\"American Express Membership Rewards Credit Card Benefits\" class=\"wp-image-86328\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Amex-Membership-Rewards-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Amex-Membership-Rewards-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Amex-Membership-Rewards-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Amex-Membership-Rewards-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Amex-Membership-Rewards-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Earn 1,000 Membership Rewards Points on monthly spends of \u20b920,000 or more. This benefit needs enrollment and adds extra value on regular usage.<\/p>\n\n\n\n<p>Want to explore more features of the American Express Membership Rewards Credit Card?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Additional Rewards on Renewal:<\/strong> Earn 5,000 Membership Rewards Points after the first year of renewal on annual fee payment. Points reflect within 90 days.&nbsp;<\/li>\n\n\n\n<li><strong>Fine Dining Benefits:<\/strong> Enjoy dining offers at select restaurants with up to 20% savings or complimentary benefits on every eligible visit.<\/li>\n\n\n\n<li><strong>Fuel Waiver Benefit:<\/strong> Get 0% fee on HPCL fuel spends below \u20b95,000. A 1% fee applies to higher transactions.<\/li>\n\n\n\n<li><strong>Zero Lost Card Liability:<\/strong> Stay secure from unauthorised use. Report within 3 days for zero liability, else maximum liability stays at \u20b91,000.<\/li>\n\n\n\n<li><strong>Contactless Payment Feature:<\/strong> Make quick payments up to \u20b95,000 with contactless features. Check the card front or back for the contactless symbol before use.<\/li>\n\n\n\n<li><strong>American Express EMI Option:<\/strong> Convert large purchases into easy EMIs with your card. Pay in parts without heavy financial pressure.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"american-express-membership-rewards-programme\"><strong>American Express Membership Rewards Programme<\/strong><\/h2>\n\n\n\n<p>Collect 18,000 or 24,000 <a href=\"https:\/\/www.americanexpress.com\/in\/benefits\/membership-rewards-card\/index.html\" target=\"_blank\" rel=\"noopener\">Membership Rewards<\/a> Points to unlock Gold Collection rewards. Choose one option from the 18 Karat or 24 Karat collections with premium voucher benefits.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>24,000 MR Points: 24 Karat Gold Collection(Choose any 1)<\/td><td>18,000 MR Points: 18 Karat Gold Collection(Choose any 1)<\/td><\/tr><tr><td>Taj voucher worth \u20b914,000<\/td><td>Taj voucher worth \u20b99,000<\/td><\/tr><tr><td>Shoppers Stop voucher worth \u20b910,000<\/td><td>Shoppers Stop voucher worth \u20b97,000<\/td><\/tr><tr><td>Tata Cliq voucher worth \u20b99,000<\/td><td>Tata Cliq voucher worth \u20b97,000<\/td><\/tr><tr><td>Tanishq voucher worth \u20b99,000<\/td><td>Myntra voucher worth \u20b97,000<\/td><\/tr><tr><td>Amazon voucher worth \u20b98,000<\/td><td>Amazon voucher worth \u20b96,000<\/td><\/tr><tr><td>Flipkart voucher worth \u20b98,000<\/td><td>Flipkart voucher worth \u20b96,000<\/td><\/tr><tr><td>Reliance Digital voucher worth \u20b98,000<\/td><td>Reliance Digital voucher worth \u20b96,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1While you unlock Gold Collection benefits, stay updated on credit card bill payments with timely reminders and track every bill through one simple dashboard on the <a href=\"https:\/\/piceapp.com\/\">Pice App<\/a><em>!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-apply-for-the-american-express-membership-rewards-credit-card-emi\"><strong>How to Apply for the American Express Membership Rewards Credit Card EMI?<\/strong><\/h2>\n\n\n\n<p>You can convert purchases of \u20b95,000 or more into easy EMIs with flexible repayment options.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Choose Pre-Purchase EMI at checkout with tenures of 3, 6, 9, 12, 18, or 24 months at 1.17% monthly interest.<\/li>\n\n\n\n<li>For completed transactions, use Post-Purchase EMI with tenures from 3 to 24 months at 1.33% monthly interest.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note:<\/strong> Apply through SMS, online form, or Amex app chat with ease for Post-Purchase EMI.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"american-express-membership-rewards-credit-card-charges\"><strong>American Express Membership Rewards Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.americanexpress.com\/content\/dam\/amex\/in\/legal-disclosures\/Schedule-of-Fee-and-Charges.pdf?inav=en_in_legalfooter_schedule_of_fees_and_charges\" target=\"_blank\" rel=\"noopener\">Amex Membership Rewards Card charges<\/a> an interest of 3.50% per month. However, in case of default, the interest amount increases to 3.99%<\/p>\n\n\n\n<p>Other key charges levied on this card are:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Add-on Card Charges<\/td><td>\u20b91,500 (3rd card onwards)<\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>3.5% or min. \u20b9250<\/td><\/tr><tr><td>Cheque\/ECS\/NACH Return Fee<\/td><td>\u20b9250<\/td><\/tr><tr><td>Foreign Currency Transactions<\/td><td>3.50%<\/td><\/tr><tr><td>Duplicate Statement Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cash Withdrawal Limit<\/td><td>$333 or 20% of credit limit, whichever is lower; every 14 days.<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>30% of MAD.Min. \u20b9500 and max. \u20b91,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"american-express-membership-rewards-credit-card-eligibility\"><strong>American Express Membership Rewards Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>You must be a resident of India as per the Income Tax Act with a valid residential address in India. Inform the bank if your residential status changes at any time.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Minimum age requirement is 18 years.<\/li>\n\n\n\n<li>A savings or current account with an Indian or multinational bank is required.<\/li>\n\n\n\n<li>A strong credit history with no payment defaults is necessary.<\/li>\n\n\n\n<li>Employment with an annual income of \u20b94.5 lakh or more is required.<\/li>\n\n\n\n<li>Self-employed applicants must have an annual income of \u20b96 lakh or more.<\/li>\n\n\n\n<li>Businesses must operate for more than 12 months in the case of self-employed applicants.<\/li>\n\n\n\n<li>Card availability stays limited to residents of select cities across India.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1Take control of your card experience from day one. Link your American Express card with <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> for a smooth and secure way to manage credit card bill payments. The platform is secure and GST-compliant and helps you pay bills without stress or delay!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You will receive the welcome gift after paying the joining fee and spending \u20b915,000 within the first 90 days.<\/li>\n\n\n\n<li>Fuel charges include 1% fee at BPCL and IOCL, 2.5% fee at other stations except HPCL.<\/li>\n\n\n\n<li>Amex cards are currently issued only to residents of Surat, Chennai, Pune, Indore, Mumbai, Mysuru, Delhi\/NCR, Nagpur, Ahmedabad, Jaipur, Hyderabad, Ludhiana, Nasik, Coimbatore, Lucknow, Chandigarh, Trivandrum, Vadodara, and Bangalore.<\/li>\n\n\n\n<li>A one-time processing fee of 2%+ taxes applies to post-purchase EMI conversions.<\/li>\n\n\n\n<li>Membership Rewards Points do not expire and remain valid as long as the card account stays active.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1776163474710\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the annual fee waiver condition?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The American Express Membership Rewards Credit Card annual fee gets a full waiver on spending above \u20b91,50,000. A 50% waiver applies when spending stays between \u20b990,000 &#8211; \u20b91,49,999.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776163495124\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I contact the American Express Membership Rewards Credit Card support team?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Call 1800 419 0167 from India via mobile or landline. For international calls, dial +91 0124 673 6900. You can also message through the Amex app.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776163514076\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to convert transactions into EMI via SMS?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Send SMS in format EMINOW &lt;Amount&gt; Transaction Date &lt;DDMMYY&gt;\u00a0 Merchant Name &lt;XXXX&gt;\u00a0 EMI Tenure &lt;3\/6\/9\/12\/18\/24&gt; to 5616166 from your registered mobile number to convert eligible transactions into EMI.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776163528208\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How long does it take for points to transfer to partner accounts?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Points transfer usually completes within 3 to 5 working days. Ensure your airline or hotel membership number stays registered before you initiate the request.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776163541685\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I redeem Membership Rewards points easily?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Redeem points for vouchers, travel bookings, statement payments, or partner transfers. Visit the official American Express rewards page to explore and complete redemption options.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776163557851\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to apply for an American Express Card online?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Apply online through the official website or contact the helpline. Review card features before application to select the most suitable option.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776163571602\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Does American Express offer doorstep banking services?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Doorstep banking services are available for senior citizens above 70 years, plus differently abled individuals. Contact the number on your card for more details.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The American Express Membership Rewards Credit Card offers simple rewards on everyday spending. You earn 1 Membership Rewards Point for every \u20b950 spent, except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale. It comes with a welcome gift of 4,000 points when the card is used at [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86327,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86326"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86326\/revisions"}],"predecessor-version":[{"id":86340,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86326\/revisions\/86340"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86327"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}