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HomeCredit cardsAmerican ExpressAmerican Express Membership Rewards Credit Card
Mid-rangeAmerican Express

American Express Membership Rewards Credit Card

4.3editor Editor score 82/100Best for monthly bonus points

1,000 bonus points for four ₹1,500 transactions a month plus 1,000 more at ₹20,000 – the famous 'MRCC hack'.

  • 1,000 bonus points for 4 transactions of ₹1,500+ in a month
  • Another 1,000 for ₹20,000 monthly spends
  • Redeem 18k/24k points for Taj, Amazon, Flipkart vouchers at great value
  • Amex offers: Flipkart, Swiggy, Croma cashbacks
Updated 13 Nov 2026
American ExpressMID
•••• •••• •••• 4242
American Express Membership Rewards Credit Card
AMEX

Key facts

Joining fee
₹1,000 + GST
Annual fee
₹4,500 + GST
₹1,500 on ₹90,000 spends; waived at ₹1.5L
Reward rate
1 MR per ₹50 + monthly bonuses
Welcome benefit
4,000 MR points on ₹15,000 spends in 90 days

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HDFC BankSUPER PREMIUM
•••• •••• •••• 4242
American Express Membership Rewards Credit Card
Annual fee ₹4,500 + GST
Lounge access
None domestic
Forex markup
3.5%
Fuel surcharge
No waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Highest earning potential at ₹20k monthly spends
  • Excellent Amex offers programme
  • Gold Collection redemptions worth ₹9,000+

Watch out for

  • Amex not accepted everywhere
  • High renewal fee if waiver missed
  • No lounge access

Our take

Why we rate it

With disciplined ₹20,000 monthly spending this card returns well over 5% in vouchers. Not a card for the lazy.

Features & benefits in detail

Rewards
Base rate
1 MR per ₹50
Monthly bonus
1,000 MR for 4 × ₹1,500 txns
Monthly bonus
1,000 MR at ₹20,000 spends
Fees
Renewal fee
₹4,500 (waivers apply)
Travel
Lounge access
None

Eligibility

Minimum income
₹50,000 / month
Age
21 – 60 years
Credit score
720+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

American Express
American Express Membership Rewards Credit Card
Joining fee
₹1,000 + GST
Annual fee
₹4,500 + GST
Rewards
Up to 2.2%
Lounge
None
Forex
3.5%

Secure hand-off to American Express. No OTP or PIN ever asked.

Not sure?

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

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Best for ultra-premium invite-only

5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 3.3%
Lounge Unlimited 2% forex
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•••• •••• •••• 4242
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Best for online shopping

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Joining
₹999 + GST
Annual
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Rewards
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12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.

Joining
₹12,500 + GST
Annual
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Rewards
Up to 2.4%
Lounge Unlimited 2% forex
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Best for premium travel & lifestyle

4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.

Joining
₹2,500 + GST
Annual
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Rewards
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