All cards / American Express
Amex Membership Rewards
Amex's flexible points currency (1 point per ₹50 spent, excludes fuel/insurance/utilities) transfers well to airline/hotel partners, plus up to 20% off at partner fine-dining restaurants — appealing to reward optimizers over cashback seekers.
Rates and fees last verified 19 July 2026.
Annual fee
₹4,500
Joining fee
₹1,000
Reward type
points
Base reward rate
2%
Card network
Amex
Card tier
Mid
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹37,500
- Employment: salaried, self-employed
- Age: 18–60
Benefits
- 4,000 bonus points on ₹15,000 spend within 90 days
- Fuel convenience fee waiver at HPCL outlets
Pros
- + Points transfer to many travel partners
- + Up to 20% fine dining discounts
- + Strong customer service reputation
Cons
- − Lower acceptance than Visa/Mastercard in India
- − Points don't accrue on fuel, insurance, or utility spend
Applying takes you to American Express's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.