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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The American Express Membership Rewards Credit Card by American Express is a Lifestyle offering featuring 3% cashback. Key benefits include 1,000 bonus points monthly on 6 transactions of ₹1,000+, 1,000 bonus points on ₹20,000 monthly spend. Most suitable for users seeking Best for rewards-maximizers who want...
American Express
American Express Membership Rewards Credit Card
Data Verified
Last checked: 25 Feb 2026Best for rewards-maximizers who want a reliable, high-prestige card with excellent customer service and gold collection rewards.
The legendary MRCC card from Amex. Earns membership rewards points which can be redeemed for physical gold, Amazon vouchers, or points transfer.
LifestyleRewardsShopping
Annual Fee
₹4500
Annual fee waived on spending ₹1.5 lakh in previous year
Cashback
3%
Headline Rate
Forex Markup
3.5%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹9,000
Based on your 3% cashback rate.
Expert Verdict
"Amex MRCC is a classic. The "1,000 bonus points monthly" milestone is exceptionally easy to hit. Amex's support and customer dispute handling remains the best in class. Verdict: Highly recommended lifestyle classic."
Key Privileges
Welcome Benefit4,000 bonus points on joining after standard spends milestone
Fee WaiverAnnual fee waived on spending ₹1.5 lakh in previous year
Interest Rate (APR)42%
Min. Income₹6 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score720
- Min. Income₹6 lakh per annum
- EmploymentSalaried/Self