American Express Membership Rewards Credit Card Review (MRCC)

American Express Membership Rewards Credit Card Review (MRCC)

Amex Membership Rewards Credit Card Review

American Express Credit Cards known for their premium service and support issues one of the highly rewarding entry-level credit card in the country for a while and that’s the Membership Rewards Credit Card (MRCC).

Even though its an entry-level credit card, you can get return on spend as good as any other super premium credit card and even more. Let’s see how,

Table of Contents


TypeEntry-level Card
Reward Rate1% – 5%
Joining Fee1,000 INR+GST First Year Free
Best forTaj Voucher Redemptions
USPMonthly Rewards

American Express Membership Rewards Credit Card is a pretty decent rewards card that gives lucrative reward rate if used right.

If you’re new to credit cards (holding at-least one non-Amex card) and looking for higher reward rate to begin your journey, you may start with Amex MRCC.

apply now

*** Limited Period Offer: First Year FREE ***

Apply through the link on the page & you’ll get additional 2,000 Referral Bonus Membership Rewards® points (spend INR 5,000 within 90 days)


Joining Fee1,000 INR+GST First Year Free
Welcome Benefit4,000 MR Points (on paid cards)
Renewal Fee4,500 INR+GST 1,500 INR +GST (Limited Period Offer)
Renewal BenefitNil
Renewal Fee waiverNil

Note that with the limited period offer you not only get the card for free for the FIRST Year but also get a lower renewal fee when applied through the referral link.

Further, the renewal fee can as well be waived off by calling Amex support. Expect 100% waiver on renewal with annual spends >1.5 Lakhs. Else, you can get 50% waiver on spends >90K INR.


Amex Membership Rewards Credit Card Design

While I’m not a fan of this yellow credit card, it does look decent after you look at it so many times and get used to it. 😀

Anyway, it’s not about the design that matters for an entry-level card. It’s all about rewards and it does offer quite a lot of that.


Regular Spends1 MR on every 50 INR spend0.50%~1%
  • Excluded spends: Utilities, Fuel spends
  • Rewards don’t expire.

If you plan to use the card primarily for fuel and utilities, you may instead have a look at the Amex Gold Charge Card.

The reward points earned on MRCC are ideally meant for Marriott transfers (or) Taj voucher redemptions via 24K Gold Collection, as other options are not attractive enough, unless you know what you’re doing.

Also note that the MR points earned on MRCC can be pooled with other Amex cards (except Plat travel), so you can get closer to 24K or 18K Gold collection redemptions faster.

Monthly Rewards

Amex MRCC Monthly Rewards

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