ELIGIBILITY CRITERIA
• Must be a Resident Indian as defined under the Income Tax Act.
• Issuance currently subject to select cities (e.g., Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru).
• Employed with a personal annual income of ₹4.5 lakhs or self-employed with ₹6 lakhs+.
• Must be over 18 years of age.
• Must hold an Indian or multinational bank account in India.
• Good credit history with no payment defaults.
• If self-employed, business must be trading for more than 12 months.
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WELCOME BENEFITS
• Welcome Gift of 4,000 Bonus Membership Rewards® Points on payment of joining fee and spending Rs.15,000 within first 90 days of card members
CARD REVIEW
The American Express Membership Rewards Credit Card caters well to regular spenders who seek to earn Membership Rewards® Points on routine transactions and enjoy bonus point opportunities through monthly milestones and renewal bonuses. It offers strong value for active card usage, especially with fee waiver possibilities tied to annual spending. However, the rewards rate is limited on several common categories like fuel and utilities, which may restrict point accumulation for some users. The card lacks an explicitly stated network type on the official page and does not provide premium travel perks like airport lounge access. Overall, this card suits individuals focused on reward points and milestone incentives rather than travel or lifestyle perks.
