Back to all cards
AmEx · entry tier
Amex Membership Rewards Credit Card
Amex beginners — gateway to the MR ecosystem
Joining fee
₹1.0K
Annual fee
₹4.5K
Base rate
0.5%
Expert rating
7.0/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹8,000
Fees-₹1,000
Net annual value+₹7,000
Value breakdown
Base rate (0.5%)+₹3,000
Milestone: 18,000 bonus MR points on ₹1.5L annual spend+₹3,000
Welcome benefit+₹2,000
Annual fee (waived)+₹0
Joining fee (year 1)₹1,000
— Highlights
- Gateway to Amex MR points
- Marriott/airline transfers
- Strong milestone bonus
— Redemption paths
Every way to spend your membership rewards
1
Marriott Bonvoy
₹1.30
per point
2
cashback
₹0.25
per point