Amex Membership Rewards (MRRC)
American Express•AmexStandardActive
Official Page ↗
Highlights
- Base reward rate: 0.5% return (1 pts per ₹50)
Welcome / Joining Benefit
Reduced first-year fee of ₹1,000 + GST.
Points Expiry
Points never expire (Lifetime valid).
Joining Fee
₹1,000
+18% GST applicable
Annual Fee
₹4,500
+18% GST applicable
Renewal Fee
₹4,500
+18% GST applicable
Joining Fee Waiver
Reduced first-year fee of ₹1,000 + GST.
Annual Fee Waiver
Spend Threshold₹1,50,000
PeriodPrevious anniversary year
renewal fee 100% waived on annual spends of ₹1.5 Lakhs; 50% waived on ₹90,000 spends.
Basic Requirements
Minimum Age21 years
Maximum Age70 years
Eligible OccupationSalaried, Self-Employed
Additional Details
Requires annual income > ₹6 Lakhs.
Forex markup: 0%
Base Reward Rate
Points per Spend
1 pts
Per Every
₹50
Effective Return
0.5%
Currency: Membership Rewards Points — 1 point ≈ ₹0.25
Accelerated & Special Rates
1,000 bonus points on 4 transactions of ₹1,500+ in a calendar month.
1X
0% return
1,000 bonus points on spends of ₹20,000 or more in a calendar month (requires enrollment).
1X
0% return
❌ No Points Earned On:
FuelInsuranceUtilities
0
Redemption Options
Smart Redemption Tips
🏆 Best value: Gift Voucher at ₹0.25–₹0.80/pt — maximize your returns here.
⚠️ Avoid Statement Credit (₹0.25/pt) — you lose 69% of point value.
🪙 Reward currency: Membership Rewards Points
Best Value
🎁Gift Voucher
Gift voucher redemption including premium Amex collections
₹0.25–₹0.80/pt
📖Reward Catalogue
Membership Rewards catalogue redemption
₹0.20–₹0.50/pt
💳Statement Credit
Redeem Membership Rewards points against eligible card charges
₹0.25/pt
Points Transfer Partners
Total: 8 partnersSort By
Cathay Pacific Asia Miles
Airline
800Points
400Miles
Min. Transfer800 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
British Airways Executive Club
Airline
1200Points
600Miles
Min. Transfer1,200 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Etihad Guest
Airline
1600Points
800Miles
Min. Transfer1,600 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Qatar Privilege Club
Airline
500Points
250Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Singapore KrisFlyer
Airline
800Points
400Miles
Min. Transfer800 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Virgin Atlantic Flying Club
Airline
800Points
400Miles
Min. Transfer800 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Hilton Honors
Hotel
1000Points
900Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.90 pt
Marriott Bonvoy
Hotel
100Points
100Points
Min. Transfer100 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 pt
Gemini Credit Card AssistantFree Tier
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