CardShortlist
Browse cards
CompareAbout
Find my card

CardShortlist is an independent comparison tool, not a bank or card issuer. Card details are for information only, so always confirm current terms with the issuer before applying.

Some links on this site are affiliate links; we may earn a commission if you apply through them. This never affects how cards are scored or ranked.

© 2026 CardShortlist. Contact: [email protected]

About & methodologyPrivacyTerms
American Express
Amex
Membership Rewards

American Express Membership Rewards

Amex's accessible entry point into Membership Rewards, with a low joining fee and dining discounts.

first-timersdininglifestyle

Last reviewed 13 July 2026

Fees

Joining fee

₹1,000

Annual fee

₹4,500

Waiver: 100% of the ₹4,500 renewal fee is waived if total spend in the preceding membership year is ₹1,50,000 or more; 50% is waived on spend between ₹90,000–₹1,49,999

Eligibility

Age: 18+ yrs

Employment: salaried, self employed

Rewards

all other2x points

Welcome benefits

  • • 4,000 bonus Membership Rewards points on payment of the joining fee and spend of ₹15,000 within 90 days of card membership
  • • 1,000 bonus points for 4 transactions of ₹1,500 or more in a calendar month
  • • 5,000 bonus points on first-year card renewal, on payment of the annual fee

Perks

  • ✓Fuel surcharge waiver: 1%Capped at ₹25,000/month
  • ✓Forex markup: 3.5%
  • ✓Zero lost card liability if reported within 3 working days (max ₹1,000 liability after)
  • ✓Up to 20% discount at select fine-dining partner restaurants
  • ✓0% convenience fee on fuel purchases at HPCL for transactions under ₹25,000
  • ✓EMI conversion available on large purchases
  • ✓Emergency card replacement typically within 48 hours, worldwide

Common questions

What is the annual fee on the American Express Membership Rewards?
The joining fee is ₹1,000. The annual fee is ₹4,500. 100% of the ₹4,500 renewal fee is waived if total spend in the preceding membership year is ₹1,50,000 or more; 50% is waived on spend between ₹90,000–₹1,49,999
What are the reward rates on the American Express Membership Rewards?
American Express Membership Rewards earns 2x points on all other spends.
Does the American Express Membership Rewards offer airport lounge access?
No, the American Express Membership Rewards does not include complimentary airport lounge access.
Who is eligible for the American Express Membership Rewards?
Applicants typically need a minimum annual income of ₹4,50,000, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by American Express and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
2x points
Estimated annual value—
Apply now

You might also like

Annual fee

₹10,000

Up to

2x points

View details →

Annual fee

₹5,000

Up to

2x points

View details →

Annual fee

₹495

Up to

20x points

View details →