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American Express Membership Rewards
Amex • Amex

American Express Membership Rewards

1,000 MR points on 4x₹1,500 transactions + 1,000 monthly milestone points at ₹20,000 spends.

Annual Fee₹4500Annual fee waived on spends above ₹1.5L; 50% fee waiver on ₹90,000-₹1,49,999 spends
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹11,856Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Annual fee waived on spends above ₹1.5L; 50% fee waiver on ₹90,000-₹1,49,999 spends

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹1,50,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
1.5%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • The core value is milestone-led, not base earn: missing monthly milestones weakens net returns.
  • Two-stack structure matters: 4x₹1,500 transaction milestone + ₹20,000 monthly spend milestone.
  • Fee relief now has two slabs (50% at mid spend, full waiver at high spend).

Best Utilization

  • Set 4 planned transactions of ₹1,500+ early each cycle, then push spend to ₹20,000 only if close to milestone.
  • Pair with a wide-acceptance Visa/MasterCard cashback card for merchants where Amex is not accepted.
  • Use MRCC mainly for milestone completion, not uncapped everyday low-value spends.

Watchouts

  • Do not treat this as a flat cashback card; milestone misses can make it underperform.
  • Program value depends on redemption path; low-value redemptions reduce effective return.
  • Check current enrollment requirement text before relying on ₹20,000 monthly milestone value.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,000
  • Annual fee₹4,500
  • Waiver threshold₹1,50,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-11

Redemption Truth

  • Cash value/point₹0.4
  • Travel value/point₹0.4
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-11

Lounge Truth

  • NetworkAmex
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days2
  • Source conflicts0
  • Applied reports25
  • Approval reports15

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for American Express Membership Rewards using your current year spend.

₹0 spent₹1,49,999 target

Policy signal used: Annual fee waived on spends above ₹1.5L; 50% fee waiver on ₹90,000-₹1,49,999 spends

Spend threshold

Annual fee waived on spends above ₹1.5L; 50% fee waiver on ₹90,000-₹1,49,999 spends

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹8,000@ ₹0.40 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • 1,000 Membership Rewards points each month on 4 transactions of ₹1,500+
  • Additional 1,000 monthly points on ₹20,000 spend after milestone enrollment
  • Monthly transaction-count structure rewards disciplined spend planning
  • Good bridge card for users building into Amex travel/lifestyle redemptions

Things to Consider

  • Milestone value drops sharply if monthly thresholds are missed
  • ₹20,000 monthly milestone requires enrollment and terms compliance
  • Amex acceptance is lower than Visa or MasterCard in many offline merchants

About American Express Membership Rewards

American Express Membership Rewards is a points card from Amex, best for users optimizing monthly transaction-count and spend milestones. It is tagged under rewards, shopping, premium categories in our database.

RewardsShoppingPremium

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Frequently asked questions

Is American Express Membership Rewards lifetime free?

It has an annual fee of ₹4500. Annual fee waived on spends above ₹1.5L; 50% fee waiver on ₹90,000-₹1,49,999 spends

What rewards does American Express Membership Rewards offer?

1,000 MR points on 4x₹1,500 transactions + 1,000 monthly milestone points at ₹20,000 spends.

Does American Express Membership Rewards include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider American Express Membership Rewards?

Users optimizing monthly transaction-count and spend milestones

Where can I apply for American Express Membership Rewards?

Check the issuer website for application availability.