Last updated: |Data verified from official bank sources
Mid-Range
Amex Membership Rewards Card
American Express
Best for: Regular spenders making 4+ transactions/month
₹5K
Annual Fee
2%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Regular spenders making 4+ transactions/month
Things to Watch Out For
- •Fuel excluded from Jun 2025
Fees & Charges
Joining Fee₹1K
Annual Fee₹5K
Rewards
TypePoints
Base Rate1 pt/₹50
Effective Return2%
Accelerated Categories
4 txns of ₹1500+ per month1000 bonus pts (0%)
₹20K+ spend per monthAdditional 1000 pts (0%)
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹6.0L/year
Reward Exclusions
Fuel (from Jun 2025)InsuranceUtilities
Spends in these categories won't earn reward points
Available on: American Express
Frequently Asked Questions
What is the annual fee for Amex Membership Rewards Card?▼
Amex Membership Rewards Card has an annual fee of ₹4500.
What rewards does Amex Membership Rewards Card offer?▼
Amex Membership Rewards Card offers 1 pt/₹50 on all spends, with an effective value of 0.7%.
Does Amex Membership Rewards Card have lounge access?▼
Amex Membership Rewards Card does not include complimentary lounge access.
What is the minimum income required for Amex Membership Rewards Card?▼
The minimum income requirement for Amex Membership Rewards Card is ₹6.0 lakhs per annum.
Information sourced from American Express official website. Last verified: February 2026.
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