American Express Membership Rewards Credit Card (MRCC) Review

By | March 7, 2017

American Express Membership Rewards Credit Card (MRCC)

I’ve been using Amex Gold charge card for a while and always wish to see the EMI option. While I’m not a fan of EMI, it feels like something is missing without it. And for this reason Amex has introduced Membership Rewards Credit Card (MRCC) which has similar benefits like that of Gold charge card, except that it’s a credit card (not a charge card) and so you can carry forward your balances to the next month and also avail the EMI option if and when required.

Amex Membership Rewards Credit Card is Worth it?

  • Joining Fee: Rs.1000+Tax
  • Welcome Bonus: 4000 Reward points

Note that 4,000 Bonus Membership Rewards® Points to be awarded for using the Card 3 times within the first 60 days of Cardmembership, upon payment of annual fee. If you look at the reward rate alone, this card gives you few points by default but the rewards accumulated on MRCC never expire and by making 4 txn’s worth 1k value or more in a month, you can get 1000 bonus rewards.

Also, when you look at the overall benefits you get by being a part of American Express, it’s an outstanding one. Here’s how I save:

  1. I get 3.75% cashback on fuel at HPCL Pumps with Amex 3% Fuel Cashback offer
  2. Saved Rs.10,000 on my recent overseas trip to Vietnam with Amex MMT Offer on International Hotels
  3. Saved Rs.7,000 on Domestic Hotels with Amex Ezeego1 Offer
  4. Saving Rs.5,000 almost every month on domestic hotels with Amex MMT Offer on Domestic Hotels

Above offers are available with all Amex cards including Amex MRCC card. Can you now imagine what kind of savings Amex cards can get you?

Meanwhile, its a contactless card, which enables you to make purchases just with a tap and no PIN required on purchases done less than Rs.2000. This makes life more easier.

Amex MRCC and its Competitors:

Any Amex card itself is a premium one, however MRCC is positioned as a beginner level card within Amex, which competes with

While Citibank rewards card has a very low reward rate, it does have decent partner offers but once in a while. On other hand, SBI Platinum Card has the same reward rate by default. But hey, i had SBI Signature Credit card for about an year and closed it eventually.

Even-though i spent a lot on SBI card and even earned Rs.18,000 cashback they neither had a retention team to look into my closure request, nor had any partner offers to keep me with them. Hence i had to say Goodbye to SBIcards.

That being said, Amex MRCC card gives you access to fantastic 24*7 customer service and is a far rewarding experience. Apart from that you also get,

  • Zero lost Card liability (more secure than others)
  • Emergency Card Replacement (anywhere in the world)
  • 2 Complimentary Supplementary with no annual/renewal membership fee (you get 1000 bonus points for each these days)

Amex Promo Offer: If you hold Gold charge card, you can get MRCC card as a companion card and is free for lifetime as long as you hold the Gold charge card. For others, Amex is running limited period promo to avail the card free for Lifetime if you have 12L+ income per annum. You also get Rs.1000 Amazon voucher with it.

Offer Ends on: Sep 20th 2017 March 17th, 2017 (Extended)

Features of Amex Membership Rewards Credit Card:

  • Card Expert Rating: 4/5
  • Reward rate: 0.5% (Accelerated: Upto 2.5%)
  • Annual Fee: 1,000+Tax for the first year / Rs 4,500+Tax second year onwards
  • Airport lounge access:  Discounted Access to 31 Domestic lounges in India
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Special Features: Network Offers are lucrative and highly rewarding.

So overall, American Express Membership Rewards Credit Card with its low joining fee is one of the best ways to get access to Amex network offers and other Privileges, like, their customer service is super friendly. I still remember having a 20 Minute conversation with one of their executive on a whole different topic: traveling.

What’s your take on Amex Membership Rewards Credit card? Share your experience in comments below.

Author: Siddharth

I’m a Credit Card freak minting reward points and cashback for years. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

87 thoughts on “American Express Membership Rewards Credit Card (MRCC) Review

  1. KrishnaChaitanya Ch

    I recently in January 2017 got this card as a companion card to Gold Charge card. I was not able to add the card to online portal and called their customer care and while on the call helped me linked to my existing online account.

    If we received this card as a companion card none of the welcome offers are applicable, like 4000 welcome reward points. But you do get extra 1000 points by using this card over 4 transactions of 1000 every month and will reflect in the Gold charge card points. So you can get 2000 points from both cards combined for 8 transactions each of 1000 and above 4 on each card.

    1. Siddharth Post author

      Yes, Welcome/renewal offers are given only when the fee is paid.
      yes, that’s a nice way to get 2k points a month.

      1. Anil

        Transactions done on Companion card do not count for 1000 bonus points, nor there are separate 1000 points
        So it is just extra card to avail site specific offers like Flipkart 10% offer on gift cards etc

        1. James

          you have got a gold credit card not a membership rewards card. These two are different products

    2. Anshul

      If you get this card as a companion card to your primary gold charge credit card, you do not get bonus 1k points on 4 monthly transactions above Rs 1k each on this card, as you get on the gold charge card. So it serves no purpose, unless you need to revolve. I closed my companion card for the lack of bonus rewards.

    3. mohit Singhal

      In case of companion card, the point about getting 2k points for making 8 transactions of 1000+ (4 on each card) in flawed. I got the card for the same reason and didn’t get those extra 1k points on the companion rewards card. So, I’ve closed that card as the transaction were not even getting added to 4 transactions of the gold charge card also. So, it was good for nothing. Siddarth, please take a note.

      1. James

        you have got a gold credit card not a membership rewards card. These two are different products

  2. Prashant Gupta

    I have this card and will have 18k points in this months. The reward rate can be more considering if one spends only 4-5k and gets 1000 rewards points.

    1. Siddharth Post author

      True that. I’m nearing that mark, but planning to redeem @ 24k points.

  3. Mandeep

    You can’t get a fee waiver, if you try to, when you have this as companion card. I read this in the terms and conditions when they offered me one.

  4. Rahul

    I applied for this card under the lifetime free offer and it has been approved as well. I wanted to know whether i can upgrade my other cards now as well. I have hdfc allmiles card with 1.94 lakh limit but would really like to upgrade it to regalia. What is the criteria they look for during auto upgradation? My ITR will be salaried 12L+ this year.

    1. Siddharth Post author

      Has it been 6 months with AllMiles with good usage? If yes, you can try to upgrade.

      1. Nitin

        If your gross salary is more than 1 lakh per month, you can call HDfC bank to upgrade All Miles to Regalia. Only catch is either you have to take Add on card or keep one utility bill to be paid automatically by the card.

  5. Prashant Gupta

    I dont know where to post this:
    Paytm has blocked all my credit cards. I cannot do any transaction reason being card blocked for security reason. They are saying use other credit cards. This is really ***** of them. They will surely lose customers now.

    Has anyone else faced this issue.

    1. Siddharth Post author

      Maybe your card got caught with the list of manufactured spending pattern. A tweet to Paytm might help to find the actual reason.


      Same thing has happened for me on FreeCharge, I am able to use all my cards on the primary account, but when I try to use the card on other accounts then FC refuses to process it

  6. Kapil Khurana

    Sid – I applied for this card right away as you mentioned it’s lifetime free. Applied via bankbazaar as they are offering additional Rs. 750 amazon voucher post card approval.

    I just want to know more about Rs. 1000 amazon voucher that you mentioned. How can I get that? What is the source of your information?

    1. Siddharth Post author

      See the banner on post or the banner on the “apply now” link, you can see the amazon voucher being mentioned there 🙂

      1. Kapil Khurana

        Gotcha! Thanks. However, disappointed to know that LTF is only for new Amex applicants and not for existing CC holders.

        If I surrender my amex platinum travel (as I have milked it fully with 4L spends), can I avail of this offer?

        1. Siddharth Post author

          Technically you can, as long as the IT criteria is met. Though, talk with Amex to confirm 🙂

          1. pratee

            These smart chumps declined me online, but processed and handed the MRCC on physical application via sales team, though i was eligible with CIBIl as 814.

  7. vinod kannan

    Nope.. Even if u close all credit cards with amex, u cant get it lifetime free. Tried it the last time they threw up this offer in September 2016

    1. Apumkivi

      1 year cooling period is required for counting yourself for AMEX LTF CARD. AMEX still consider customer will join back within 1 year. They re-approve your card just by calling them.

  8. Pushkar

    Hi Sid, Is it worth now to apply for this card as LTF now ? How reward rate of 0.5% is calculated ?

    1. Siddharth Post author

      Reward rate is calculated based on the points you earn and its value. Its a good one to hold as LTF, but i guess now the offer is gone. Did you apply?

  9. Rahul Kashyap

    HI siddharth,

    Applied for thr card thru ur mailer today. All conditions fulfilled, but was rejected. Reason : they want a landline no. ! Can you imagine. Ha ha ! Anyway im happy with my Regalia

    1. Siddharth Post author

      Yes, its for security. I guess almost all banks need it.

  10. PM

    Folks, I know that there are no reward points on fuel spends, but do fuel spend transactions above Rs 1000 get included for the bonus rewards?

    1. Siddharth Post author

      Yes, you’ll get bonus rewards, but you’ll get bit lesser then mentioned (as you wont get points on the fuel spend)

      1. PM

        Thanks Siddharth. Bonus is what matters. The regular reward points aren’t of much value.

  11. Prashant Sharma


    I am u sing ICICI Coral card(4 years), which will expire soon. I recently got a Regalia card(3L Limit, issued 2 months back). Any good ICICI card that I am eligible for now?

    I am looking for a free movie ticket and aviation benefits.

    Please guide.

  12. PM

    Has anyone got the Rs 1000 Amazon voucher along with the card? I didn’t 🙁

  13. Garima

    @ siddharth What is the difference if i redeem points at 18k or 24 k as both will give 1RP=0.4rs?

    1. Siddharth Post author

      No difference, it just depends on your spending power.
      If you can accumulate 24k, wait for it and redeem.
      As long as you redeem in the 18k or 24k slots, the point value is as good as 40ps, else it drops to 25ps.
      That’s the thing to note.

  14. SeethaRaman V

    Hi Siddharth,
    First of all, big thanks to you for this informative post, most importantly about the lifetime free offer for a limited period. I promptly applied and got my card approved last week, and I have already started using it as well!

    I have a doubt regarding the ‘1000 bonus points for transacting 4 times over Rs. 1000 in a month’ offer. I understand that Fuel spends do not earn us reward points in this Card, except for the 3% cashback till Jun-17. Somebody had posted in the comments section even recharging the Paytm wallet did not earn him reward points as Amex was counting even PayTM as a utility provider. My question is – if I use this Amex Rewards card on fuel spends or Paytm wallet for more than Rs. 1000 in a single transaction, will those get counted towards the 4 transactions eligible to earn us the 1000 Bonus reward points (even if base reward points are not earned)?

    Thanks again in advance!

    1. Siddharth Post author

      Yes, you’re eligible for Bonus 1k points in this case.

  15. Vikram Venkatesh

    I recently got my LTF American Express MRCC. What are the benefits on the LTF and reward points I get? I am not able to see the details now in their website on advantages of this LTF card.

    1. Siddharth Post author

      Benefits are all same, more like Gold charge card.

      1. Sahil

        Which card is better Gold card or MRCC card. I have read all your reviews for the both of them. the only difference is EMI option and credit limit. I am also holding a platinum reserve card and other visa cards. i think MRCC card is better than plat card in terms of rewards.
        please advice as to which card i should go for.

        1. Siddharth Post author

          I love my Gold Charge card as it has sky high internal credit limit. But MRCC is also good as it comes with EMI option.

          1. Sahil

            So should I get the gold card as I’m not a big fan of emi option…i have never held a charge card before. Can I get this card LTF from Amex?
            Also, siddharth I have come across a website “lifenan” this is also providing credit card reviews however it seems that their reviews are almost same as yours…are they copying all the matter from this website.. Do have a look

          2. Siddharth Post author

            LTF offer only avail on MRCC card. Yes, someone seem to have copied our content and re-written there with some bots.

  16. Vivek Devaraju

    Any idea where AMEX card is accepted in Hyderabad. Tried 6 different places none of them accepts even big ones like H&M

  17. payal

    As per my calculation, reward redemption rate differ

    Points Bonus +Points Rs (*50) Points Cashback
    24000 12000 12000 600000 10000 1.67%
    18000 12000 6000 300000 7500 2.50%

    1000 Bonus for 12 months (4 – 1000 Rs Swipe/month)
    Not sure how 18KGold redemption is better than 24K Gold redemption.
    can you check if my calculation is incorrect.

  18. RKashyap

    i got 1 suplementary card with my primary MRCC card. Is 1000 bonus points applicable on supplementary card separately ?? so, can i spend 4k each on 2 cards and earn 2000 bonus points ?

  19. Gauri

    if I use Amex Rewards card for loading money on e wallet (Paytmt,Freecharge) for more than INR 1000 transaction will the said transaction be eligible for bonus points.

    Anyone using the same can please advise.

    1. DK Singh

      Yes i am doing the same and getting bonus rewards every month.

  20. Ram

    @ Sid : Firstly thanks for this wonderful blog, It has made me CC aware. I have never paid attention to my spending patterns, rewards, benefits etc.. but this blog was an eye opener. Keep up the good work mate. Will drop by when i am in Trichy 🙂

    I had 2 questions

    Q1: Is there any wallet which is not considered as “Utilities” by AMEX (I hold an amex rewards card)
    Q2 : Are you aware of any promo to get AMEX Gold Charge Card as LTFM

    1. Siddharth Post author

      Thanks for the compliment!
      1. Its complicated. Am yet to explore it.
      2. There maybe some Airport/Corporate promos.

  21. Guru

    I am going through a horrible experience for getting the MRCC. I applied for the card online on 1st June and got the sms on 7th confirming that my card will be delivered in 5 business days. Till date I have not received my card. I called the customer care 3 times and everytime they took the details and assured me that I will get a call within 48 hrs, but no one ever called. Never expected such a poor service from Amex. Few days back I escalated the matter as per their escalatation matrix. Although I have been kept apprised of the situation, but still do not know what exactly is the issue. I have been told that backend team has generated an incorrect series card which they are trying to rectify. Waiting for next update from them.
    On the contrary, I had a great experience dealing with Yes bank. I got my Preferred CC within a week. The whole process was very smooth.

  22. Sunny

    My gold card is up for renewal in Aug, and i was thinking to get the new MRCC card and get the gold one closed (unless they renew it for free). I spend approx. 2.5 L on the card. Is it a good suggestion? Or should I continue using only one card from AMEX and look for another card. Please suggest.

  23. Sivakumar Gajendran


    I’ve applied the amex membership rewards and it’s approved… Hopefully one R two days i vl get…

    Can i know the benefit details about this card to use properly…

    Am using hdfc money-back past 5 yrs

    1. Captain Bishuddha Bharatiya

      Hey Sivakumar congrats for your new card. Can you please answer my following questions ?
      1. What are the documents they asked for ?
      2. How much is your annual income ?
      3. They came for physical verification ?
      4. How much credit limit you got ?
      5. What is your CIBIL score ?
      6. How much limit you have in your other credit cards ?
      7. From which city you applied ?


    Hi Siddharth,
    Can you help me out with AMEX MRCC . Its showing 1000/ as joining fees and second year 4500 + taxes. Is the Life Time Free offer expired ? dont you think second year fee is very high ?

    1. Siddharth Post author

      The LTF Offer shows up once in a while. Patience might help 🙂

  25. Saptarshi

    Hi Siddharth,

    Currently the 1000 points scheme for 4 transactions@INR1000/month is no longer valid for the Charge Card, but it is valid for the MRCC. For the former they have made it 6 transactions@INR1000/month. What do you suggest? Should I move from Gold Charge to MRCC? Or similar devaluation might happen for the MRCC as well?


    1. Siddharth Post author

      As long as you can get higher value than the fee paid with various offers/promos, you can stay with Gold card. Simple as that 🙂

  26. PM

    Correction : LTF Amex MRCC offer is available till 20th September 2017.

  27. Narinder

    LTF till 20th September 2017?? How to apply, as their website is not showing this offer.

    1. Siddharth Post author

      HDFC: Poor Customer support
      Amex: World Class
      Amex is also good for incredible merchant offers, HDFC Diners has 10X benefit (though temporary).

  28. Narinder

    Siddharth, I applied this LTF card and was conditionally approved and they sent me a link to upload few documents. I uploaded the documents and got a confirmation screen, but no email from their side. Now if i am going to documents upload link again, it is showing no documents. How can i check the application status?

    1. Siddharth Post author

      They should be calling you within a day or two usually to get your sign/docs.

  29. Test

    What is the difference in MRCC and Am Ex Gold card ? They look to be similar.
    Is it true that I will get 1000 points for 4*1000 transaction every month or there is some catch to use supplementary card ?

    1. Ebin

      For MRCC u will get 1000 points for 4*1000 transactions every month. Also you may enjoy the benefit of minimum due payment. For Gold u will get 1000 points for 6*1000 transactions and you need to pay in full as this is a charge card.

    2. Balpreet Singh

      you get 1000 points for sure.. i have tried that for few months now.. Amex is very transparent in showing each transaction and how many points did you earn…

      Supplementary card has to be used to get BMS voucher…

  30. Ankit

    Hi Siddharth,

    Thank for your efforts for giving in-depth reviews about credit cards and their features. I want to share my experience about the AMEX MRCC which I received couple of days back:

    While wandering in a well known mall in Delhi, I was interrupted by a Sales representative of AMEX. At first I was reluctunt to go for another CC as I already have HDFC Regalia First LTF & SBI Gold & More. But somehow after hearing about the card features, I enrolled for it, though I was not having any documents with me and just handed him my visiting card. After documents submission via e-mail, my card got approved and received to me within a week. (Pretty fast for me).

    Now coming to best part. As soon I got my card, I called customer care for certain clarifications, which in my opinion is the most interactive, polite and enriching discussion which lasted over 20 minutes and he was still happy to answer any other queries. This I had never experienced in HDFC and SBI.

    I did my 4 transactions (Paytm & Amazon pay balance) the same day and bingo after 2-3 days of posting of transactions, I received 5000+ RP including welcome and monthly points. I also enrolled for SI for mobile bill for getting 1000 points.

    I would surely wait for MMT and other exclusive offers for my upcoming vacations planning.

  31. Sachin Sharma

    Hi Siddharth,

    Super blog. New to credit card world.
    I got Amex MRCC card under life time free offer. Can you please elaborate what is life time free technically means? No renewal charges every year?

    Also I applied for complimentary card for my wife . Does it have any draw backs.


    1. Siddharth Post author

      Zero fee for life. Well, complimentary card just serves the purpose.

  32. Ankit

    Hello Everyone,

    Just one to share some tips for earning maximum rewards/cashback using AMEX credit/Charge card:-

    Apart from getting 1000 bonus points for every four/Six transactions of Rs 1000 every month (AMEX MRCC/Gold). You could also get bonus points using AMEX official payback shop using the link “”.

    So online merchants given on this site can be used for shopping and one can get 5 bonus points for every Rs 100 spend. Make sure to register for ezeclick ID ; go through “” site to land on merchant site and then do shopping; direct shopping on merchant site won’t accrue bonus points.

    For example you can load your amazon wallet, get cash back as per current 10% cash back on wallet offer (Valid till 24th sep) Max. Rs 500; get above mentioned 5 additional bonus points for every Rs 100 spend .

    Will share few more tips in future.

    Waiting for AMEX Diwali offer!!!…..

  33. Prashant Gupta

    So it was first year renewal. I was given 2 options complete waiver of fees with no points and 50% waiver with 5k. I opted for the second option.
    My friend also got the same offer.

    Interestingly when i asked about lifetime free, i was told we have already waived ur fee so thats not an issue but continue with same fee structure and check next year there may be some other offer.

    They will evaluate the current ltf offe that is going on, its popularity etc and after evaluation they will may come out with some offers or changes.

    Also i told them that this year diwali offer is not attractive and 90k will be difficult to achieve for many and how other top cards are coming with better offers. They said that the feedback will be shared with the team.

    1. ramu

      Hi Prashanth,
      What do u mean by ” 50% waiver with 5k”

      Did u mean you paid 2500 rs as annual fee and got 5k points as bonus?
      I am also up for renewal on my first year credit card of AMEX

  34. Deepesh

    this offer – 1000 points on 4 transactions for MRCC
    is this –
    – Calender month?
    – billing cycle?


  35. RamG

    Hi guys, Just got the Amex MRCC Card and things went smoothly from start to finish. All documents were uploaded electronically, got a confirmatory call, Payslips requested & mailed and bingo, card is here; and there was nothing I did in physical form. Decent Credit limit of 4L.

    With the LTF offer Amex is the replacement for my Regalia which I am planning to surrender/downgrade now. Hope Amex acceptance is good. Will update after using MRCC for a month.

    1. RamG

      Hi Guys, Just an update after using MRCC for about a month now; ‘Good so far’. Promptly got the bonus 1000 points as well for 4 tranactions above 1000 rs. Some Merchants/Hotels including one in Hyderabad declined Amex and it is not as well accepted as Master/VISA. However I was expecting this.

  36. Keyur

    Hey Siddharth, I always come here for all cards reviews 🙂
    I’ve a regalia first, citi rewards, citi IOC and now AMEX is giving this card lifetime free for all employees (with all the bonus points and welcome offer). Is this really worth considering I’ve regalia first where reward rate is higher? If I go for it, which one should I use more often?

  37. Raghuram Chinraj

    Hi Siddarth,
    From the second year onwards, we need to pay a fee of 4000 plus. But the sales executive says that is we spend an amount of 100000 at any shops (even in super markets), he says we will get some bonus points and it can be claimed against the renewal fee. Is it true.?? Please advise.


Leave a Reply

Your email address will not be published. Required fields are marked *