Get Your Lifetime Free American Express Membership Rewards Credit Card

By | September 12, 2017

As a regular reader of the blog, most of you might be aware of this offer, however, i’m sure it helps lot others who’re new here. American Express recently has come up with new limited period promo – A Lifetime Free Membership Rewards Credit Card (MRCC). Its a reminder that you shouldn’t miss it by any chance as its about to expire soon. Quick glance:

  • Joining Fee: Free
  • Annual Fee: LifeTime Free
  • LifeTime Free Offer Eligibility: ITR 12L p.a.
  • LTF Offer Expires on: Oct 5th 2017 Sep 20th 2017 (Extended)
  • Apply Now

If you’re new to the world of American Express, you should check out my recent article on 5 Reasons why You should have an American Express Credit Card. Don’t miss to go through the comments section as it has valuable information left by other readers.

American Express Membership Rewards Credit Card

Why You should Apply for Amex MRCC Lifetime Free Credit Card Now

American Express has various credit cards in India and here we’re talking about the Membership Rewards Credit Card which is currently available as Lifetime Free. If you’re looking for a complete review of this card, please check out – American Express MRCC Review. Here we’ll see some quick points.

#1 Decent Rewards
Though the default reward rate of MRCC card is 0.5% on any spend, their accelerated reward rate jumps to ~2.15% on 3.5L annual spend, as long as you also avail their Monthly Bonus of 1000 points, which you get on spending Rs.1000 x 4 times in a month.

If your spends are spread across various categories and not just limited to some, you get better reward rate compared to SBI Card Prime.

#2 Merchant Offers
American Express is known for their aggressive promotions with various Travel and lifestyle partners. Some of their offers are Godsend for people like me, as i travel every once in a while.

This is the HUGE part that’s going to save you few thousands every month, though i’ll skip it now as i’ve explained in detail already many times here and here.

#3 Festive offer
Every year, especially during Diwali season, American Express runs a spend based offer that is very lucrative. Last year they ran this promo: Tanishq Gold Vouchers worth Rs.20,000 on spend of Rs.2L – That’s nice 10% in savings!!

I’m expecting a similar spend based offer this year as well. And to enjoy that you need at-least one American Express Credit Card.

Apart from these, you do enjoy: Emergency Card Replacement, 24/7 Friendly Customer Support and of-course peace of mind with their Zero Lost Card Liability. I recently had couple of fraudulent transactions on my Credit Card and check out how American Express saved my Day.

If you’re eligible for the MRCC Lifetime Free Offer, i would highly suggest you to get one as it not only helps you to avail the festive promos but also enjoy all the existing and upcoming offers for the rest of your life.

Even if you’re not eligible for LTF offer, consider getting even the paid one as the fee will payback multiple times, as long as you can spend well and avail their promotions.

Bottom Line:

Remember, the Lifetime Free Credit Card from American Express is much more valuable than other bank cards due to its exclusive offers as i mentioned on my recent article – The Truth about Your Lifetime Free Credit Card. That all being said, its wise to grab the LTF offer if you’re eligible.

Did you grab the MRCC Lifetime Free offer? And who else is waiting eagerly for their festive promo like me? Share your comments below, as always 🙂

41 thoughts on “Get Your Lifetime Free American Express Membership Rewards Credit Card

  1. Prashant Gupta

    I have earned more than 9% on this card in my last 12 months spends including the 20k tanishq vouchers and 3 rs.1000 bms vouchers. I have done around Rs.3.6L spend on this card. This month statement will have renewal fee, i hope to get some offer on the fees.

    Reply
    1. Siddharth Post author

      Tanishq vouchers does shoot up the reward rate a lot. Hoping for something like that this Diwali 🙂

      Reply
    1. Siddharth Post author

      Here’s exact number:

      Spend for Monthly 1k Bonus Points: 12*4*1000 = Rs.48,000 (12k Points)
      Spend Rs.3L (6k Points)
      Total: 18k Points = Rs.7500 statement credit.

      That’s around 2.15%

      Reply
      1. Ebin

        Sid, amex doesn’t give points for fuel,utility and insurance. So the spend of 3 lakhs doesn’t guarantee 6000 rewards. However there promotions are too good. I am using it for past 3 years (gold card).

        Reply
        1. Siddharth Post author

          Valid point. Wallets could help to certain extent like fueling petrol though.
          As always, their promo’s are where the maximum savings is 🙂

          Reply
          1. Ebin Johnson

            Absolutely right. Promos make the real difference. Apart from Tanishq vouchers I got INR 15000 worth Taj Vouchers for for the spend of INR 150000.

          2. Siddharth Post author

            Taj voucher? I never received such offer. May i know more about it?

      2. Sanemate

        Instead of spending 3L, might as well do this for 18 months to get 18000 points. 18*4*1000 = 72000, for 7500 credit. Pretty awesome in 1.5 years if you see.

        Reply
        1. Siddharth Post author

          I calculate everything yearly.

          But yes, that’s another way of seeing it which gives a nice 10% and above reward rate 🙂

          Reply
  2. Shasank

    Is this card not available for residents of Kolkata? The official web page doesn’t include Kolkata under eligibility criteria.

    Reply
  3. Rushabh

    I already have gold charge card. So does it make sense to opt for this one alongwith it?

    I enjoy my rewards on gold charge so wondering if this would give me any higher rewards.

    Reply
    1. Siddharth Post author

      The reward rate is almost similar, just that you can get the bonus 1k points easily on MRCC.

      Reply
  4. Shashi Gupta

    I got this card (15th Aug ) just 1 week before the offer started. I requested Amex customer care to include me in this offer but they said that sir we can check while next year renewal, as we have already processed 4000 welcome points to you. ( that is almost same as 1st year fee, so at least its free for 1st year for me )
    By your experience , is it possible that they can do it next year ?
    Or I have to try my luck next year by looking for some retention kind of offer by asking to close this card?

    Also i come across that card referral bonus and some other offers are not there on this card as compare to gold charge card.

    Reply
    1. Siddharth Post author

      Waiver depends on spends. Higher the spends, better the chances.

      Reply
  5. Uttam

    I already hold this card for about 10 months. Can I avail the lifetime offer for this existing card ?

    Reply
  6. OP

    You should have CIBIL score >700 also.
    They rejected for my friend for this reason.

    Reply
  7. Vivek Sinha

    This offer is only for the new Amex Customer, and not for the customer already holding any card. They denied my application for life time free card.

    Reply
  8. Narinder

    Thanks Sid for this information. I was always willing to have an AMEX in my pocket but was not applying because of higher annual fees and lower acceptance. But having a LTF is not a bad deal. I applied for this card under LTF offer on 24th August. Luckily it was approved online and i got email with a link to upload documents, which i did on the same day. But even after 10 days when i heard nothing, i called the customer care, they informed that my application has been cancelled with a reason of missing documents. Then i forwarded all the documents to their email id and raised a complaint too. Hurreee….. after two days i got SMS, saying my card is approved and will be getting in 5 working day.

    Thanks Sid for this valuable information, otherwise i could have missed this offer. Now waiting for my card.

    Reply
    1. Narinder

      Finally got my AMEX MRCC yesterday. Sid, How AMEX decides the credit limit? What is normal credit limit on this card. They have given 3.20 L to me.

      Reply
  9. Ebin Johnson

    Hi Sid,

    This is regarding the Taj vouchers which you have asked me to explain. Copying the email I got from American express…

    Dear Ebin Johnson,
    At American Express®, we put you first, which is why, we curate programmes that help you make the most of your American Express® Card. Being a valued Cardmember of ours, I am pleased to bring to you a programme exclusively designed for you.
    Over the next three months, when you spend INR 2 Lacs or more in a calendar month, you will be awarded a Taj Hotels Resorts and Palaces stay voucher worth INR 5,000 every month. Offer valid from July 1 till September 30, 2016.
    This voucher is valid for 6 months from the date of issuance and can be
    redeemed at over 100 properties of Taj Hotels Resorts and Palaces
    across India.
    It is indeed a great feeling when, every swipe on your Card takes you closer to the reward.
    I look forward to bringing you more such rewards.

    Reply
    1. Siddharth Post author

      Thanks for sharing.

      That’s a great promo. But I haven’t received it though and wondering why!
      Did you spend too less/much before you got this offer?

      Reply
      1. Ebin

        My spends on Amex is much less when compared with my other cards (mainly SBI Elite). But my brother who is running a vehicle insurance related business puts all his spends (mostly insurance paymnents on behalf of customers as it is more convinient for him) on the supplimentary card.

        Reply
        1. Siddharth Post author

          Lets see if any other had received similar offers. So then we maybe able to find how such personalized offers are given 🙂

          Reply
  10. Saurabh

    This life time free card does not seem to carry airport lounge benefits. Can you please clarify.

    Reply
  11. Prem Taparia

    I’ve been using Amex since the last 9 years…haven’t seen any other card consistently coming up with such tempting offers….their monthly bonus points is a real killer-deal…even their referral fee is great…2000 cashback per successful referral…I have 3 different Amex cards and usually reap the offer benefits on all 3 of them :)…last year got 2 Tanishq vouchers of 20K each…that was a crowning glory! This life-time free offer is great…but they anyways reverse the renewal fees…if you spend is good…can’t wait to see what they’ll offer this Diwali!

    Reply
  12. Uma Maheshwar

    Hi Sid,
    First of all, I loved all your articles… Great write up and research… Thanks to them, I got my knowledge about finance and credit. Keep it up!!!
    I have started my career in Merchant Navy since Oct, 16. Before that, I used to work in service sector for almost a year and during that period, I had my salary account opened by my company itself in HDFC Bank. I had applied for a HDFC credit card in Feb 16 and got a “Times Titanium Mastercard” with 35000 as credit limit, which got bumped up to 42000 a few months back. That was when I had a salary of 14,500pm in hand. After I joined merchant navy, my salary is 35,000pm, which I earn only for the period I sail for, i.e., 9 months per year.
    Now, since then, I am wondering if I should stick to that card and improve my limit or should I close it and move on to some other card. My main uses would be travelling, groceries+shopping, fuel and a little online purchase. But being in merchant navy, I do not have a year round salary.
    So I was wondering of that factor would affect my credit card approval and if I can apply for any other card… Which one should I go for?

    Sorry for a long write up…😅
    Regards

    Reply
  13. Jopa

    Do you know how a freelancer could get an AMEX card? Even though my income is way above 6 LPA, I cannot seem to apply for one without either being employed or having my own company. I work directly with a foreign company and get paid via invoices, and AMEX’s normal sales line doesn’t seem able to help. Any ideas?

    Reply
    1. Jay

      If you are filing ITR then that’s enough. ITR above 6 lakh can get you this card without any hassle. I got this AMEX card in 2010 when I was at home without a job 🙂

      Reply
      1. Jopa

        I tried applying recently, and they said “we currently do not source freelancers”. :\ Which is a pity because I really would like an AMEX card and the other cards in India are pretty bad or impossible to get (Diners Black). Maybe Siddharth could help me out and get me in touch directly with an agent?

        Reply
        1. Siddharth Post author

          You can be a freelancer but you still need some kind of business name/office and i’m sure its not that tough for sole proprietors.

          Never had any contact with agents so far!

          Reply
  14. Rajat

    Hi Siddharth,
    For annual income proof, do we need to send all pages of ITR or summary like intimation confirming tax paid w PAN would work? I tried to call amex 2639 number but it’s not working.

    Also what is the best card for 30+L income (with focus on on/offline shopping, cashbacks type of transaction and no travel)

    What is the best place to confirm CIBIL.

    Thx in advance.

    Regards,
    Rajat

    Reply
  15. OP

    Received a mail from Amex for “Presenting 24K GOLD Diwali! Register Now”

    I am new to Amex. How registering with any offer works?

    Reply
  16. RajatK

    Hi All,

    Just checked on Amex website, this offer has been extended till 5th Oct 2017.

    Reply
  17. Aayush

    I already have the gold charge card, I got a mail that along with the charge card they are offering me theis gold credit card. Personally I don’t see any additional benefits, what do you think?

    Reply

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