Amex Membership Rewards Gold
American Express · Amex
Amex MRCC (Membership Rewards Credit Card) is ideal for beginners with referral rewards and transfer to airlines.
Annual Fee
₹1,000
Base Reward Rate
1X
Point Value
₹0.5/pt
Min CIBIL
680
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
2X
Travel
2X
Shopping
2X
Online
2X
Grocery
2X
Fuel
1X
Utilities
2X
Other
1X
Pros
- Good referral program
- Transfer to 5 airlines
- Annual milestone bonus
- Fee waived at ₹1.5L spend
- 4,000 bonus points on joining
Cons
- No lounge access
- Low base earn rate
- Limited Amex acceptance
Redemption Options
Flight tickets
Good via airlines₹0.5/pt
Gold collection vouchers
Good₹0.5/pt
Transfer Partners
Singapore Airlines KrisFlyer
2:1Air India Flying Returns
2:1Club Vistara
2:1British Airways Avios
2:1Hilton Honors
1:1Ready to Apply?
Apply directly on the American Express website. Takes about 10 minutes.
