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The American Express Membership Rewards Credit Card is one of the best entry-level credit cards that offer great rewards. This highly rewarding credit card is an absolute delight for shoppers. It gives an assured return on spend bonus reward points, travel discounts, exciting gift vouchers, and a lot more.

Features and Benefits

Annual Fee Offer

Pay the first-year annual membership fee and get 5,000 Bonus Membership Reward Points.

Fuel Convenience Fee Waiver

1 Membership Rewards Point for every ₹50 spent except for spend on fuel.

Rewards Program

Get 1 Membership Reward Point on every ₹50 spent (Reward Points are not applicable on fuel, insurance, utilities, and cash transactions).

Bonus Reward Points

Use your Amex Membership Rewards Credit Card at least 4 times monthly to transact ₹1,000 or more and earn 1,000 bonus Membership Reward Points.

Eligibility and Documentation

Eligibility Criteria

  • You should be over 18 years of age

  • You should have a Personal Annual Income of ₹6 Lakhs and above

  • You should have an Indian or multinational bank’s savings or current account in India

  • You must be an Indian resident

Documents Required

  • Identity Proof - Aadhaar Card/PAN Card/Driving License/Voter ID/Passport

  • Income Proof - Latest salary slips for salaried, Income Tax Return (ITR) of 2-3 years for self-employed

  • Residence Proof - Aadhaar Card/Utility Bills/Driving License/Voter ID/Passport

Fees and Charges



Annual Fee

₹1,000 + applicable taxes

Renewal Fee

₹4,500 + applicable taxes

Add-on Card Joining Fee

  • Nil for up to 2 add-on cards.

  • ₹1,500 from the third card.

Add-on Card Annual Fee

  • Nil for up to 2 add-on cards.

  • ₹1,500 from the third card.

Disclaimer: The aforementioned fees and charges are subject to change at the issuer's discretion. Please refer to the issuer's MITC document for more details.

How to Apply for Amex Membership Rewards Credit Card

You cannot apply for an Amex Credit Card on Bajaj Markets. However, you check out their website or call Amex credit card customer care to initiate the application process. If you’d like to explore other credit cards and issuers, you can go through the Bajaj Markets website for more!


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owne₹ Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

What is an American Express Membership Rewards Credit Card?

The American Express Membership Rewards Credit Card is one of the best entry-level rewarding credit cards from American Express that is specially designed for frequent shoppers who love to get returns on spends.

Is the American Express Membership Rewards Credit Card good?

Yes, the American Express Membership Rewards Credit Card is one of the best entry-level credit cards that offer rewards on every spend. A user will get 4,000 Bonus Membership Rewards® Points as a Welcome Gift, travel discounts, exciting gift vouchers, and a lot more.

How can I make my Amex Membership Rewards credit card lifetime free?

You can make your Amex Membership Rewards credit card lifetime free if you have an ITR above ₹12 Lakhs.

How do I earn Membership Rewards Points with the American Express Credit Card?

Points are earned on eligible purchases; one point per rupee spent.

Can I redeem Membership Rewards points for cash back?

Redemption options include travel, shopping, and statement credit, not direct cash back.

Are there any annual fees associated with the American Express Membership Rewards Credit Card?

Check the card details for specific annual fees; some cards may have annual charges.

What is the value of one Membership Rewards Point?

Point values vary based on redemption options, typically ranging from ₹0.25 to ₹1.

Is there a limit on the number of Membership Rewards points I can earn?

Points earning capacity is generally unlimited, depending on your card usage.

Can Membership Rewards Points be transferred to other loyalty programs?

Yes, points can often be transferred to partner programs for added flexibility.

Do Membership Rewards Points expire?

Points usually do not expire as long as the account is active, but check terms for details.

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