cards / credit / american express / amex-membership-rewards-credit-card
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§ BENEFITS
2X MR on Dining
Earn 2X Membership Rewards points on all dining transactions at restaurants and cafes
2X MR points
2X MR on Shopping
Earn 2X Membership Rewards points on all shopping spends at retail and online stores
2X MR points
1X MR on Other Spends
Earn 1 MR point per ₹40 spent on all other purchases
1X MR points
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹3,00,000
- Min monthly salary
- ₹25,000
- Age
- 21 – 65
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹1,500
- Annual fee
- ₹1,500
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,500
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 3.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹25,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- American Express Membership Rewards
- Earn rate
- 1 MR per ₹40 (2X on dining & shopping)
- Point value
- ₹0.5
- Effective cashback
- 1.25%
- Min redemption
- 100 pts
- Expiry
- Points do not expire as long as card is active
§ LOUNGE
- Lounge access
- Not available
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with American Express and earns no commission on applications.