Everything You Need to Know About the American Express Membership Rewards Credit Card

Though American Express is well-known for its premium cards and amazing customer support, it also issues one of the highly rewarding entry-level credit cards in the name of the American Express Membership Reward Credit Card. With this, one can get a return on spending as good as any other super premium credit card.

Key Highlights of American Express Membership Rewards Credit Card
Best Suited for	Rewards and Shopping
Joining Fee	INR 1,000 plus Applicable Taxes
Annual/ Renewal Fee	INR 4,500 plus Applicable Taxes
Minimum Income Requirement	INR 6 Lakh per annum
Welcome Benefit	4,000 Membership RP on the payment of the joining fee and on spending INR 15,000 in the 1st 90 days of card membership
Best Feature	1 Membership RP for every INR 50 spent, apart from some exceptions
Renewal Benefit	100% renewal fee waiver when INR 1.50 Lakh or more in the immediately preceding membership year are spent
Milestone Benefit	1,000 Membership RPs when INR 20,000 in a month are spent

How to Activate Your Amex Card?

Mentioned are the different ways to activate the American Express Membership Rewards Credit Card:

• Via The American Express App
• Download the American Express mobile app.
• Provide the credit card details. Create a User ID and password. 
• Set a PIN of your discretion and get your card activated.
• Log in to the Amex app and go to the “Accounts” tab. 
• Choose the option “Activate and Add card to your Account”.

2. Via American Express Online Service
3. Register for American Express Membership Rewards Credit Card online services at americanexpress.co.in/activate.
4. Set a PIN of your choice and get your card activated.
5. Via American Express Helpline
6. Call the Amex Helpline number printed on the back side of the card.
7. Follow the directions given as per IVR. Set a PIN of your discretion to get your card activated.

Key Benefits, Offers and Privileges

Mentioned are the key benefits, offers and privileges of American Express Membership Rewards Credit Card:

• Key Benefits
• Earn 1000 bonus membership reward points when the American Express membership rewards credit card is used 4 times for a transaction amount of INR 1500 or above in a month.
• Earn additional membership reward points when INR 20,000 or more in a calendar month are spent. 
• Earn 5000 membership points on 1st-year credit card renewal.

2. Rewards programme
3. You can choose any of the reward options from the new 18 and 24-karat Gold Collection chosen for you with American Express Membership Rewards Credit Card.
4. 24,000 MR points or 24 Karat Gold Collection: (any of the below mentioned can be chosen)
5. Taj voucher worth INR 14,000
6. Shoppers Stop voucher worth INR 10,000
7. Tata Cliq voucher worth INR 9,000
8. Tanishq voucher worth INR 9,000
9. Amazon voucher worth INR 8,000
10. Flipkart voucher worth INR 8,000
11. Reliance Digital voucher worth INR 8,000
12. 18,000 MR points or 18 Karat Gold Collection: (any of the below mentioned can be chosen)
13. Taj voucher worth INR 9,000
14. Shoppers Stop voucher worth INR 7,000
15. Tata Cliq voucher worth INR 7,000
16. Myntra voucher worth INR 7,000
17. Amazon voucher worth INR 6,000
18. Flipkart voucher worth INR 6,000
19. Reliance Digital voucher worth INR 6,000
20. Offers and Privileges
21. Enjoy convenience and anytime assistance, along with exclusive benefits and much more. You can avail yourself of a host of privileges with your American Express Membership Rewards Credit Card.
22. Enjoy the flexibility and convenience of paying the Amex Credit Card bill either fully or partially. The spending can also be converted into easy monthly EMI with the American Express Membership Rewards Credit Card.
23. Enjoy discounts of up to 20% whenever you dine at select restaurants

American Express Membership Rewards Credit Card might be enabled for contactless payments. To check if the Card is contactless or not, look for the symbol of the contactless network on the front and also at the back of your Card.

Different Modes of Amex Platinum Credit Card Bill Payment 

Mentioned below are the different modes to make American Express Credit Card Payment: 

• UPI

Below mentioned are the steps to make the American Express credit card payment via UPI: 

• Login to the UPI-enabled mobile banking app.
• Select “Fund Transfer”.
• And then select the “VPA option”.
• Enter VPA-AEBC<15-digit card number beginning with 37>@SC. 
• Enter the amount to be paid.
• Proceed further by entering UPI Pin.

2. NEFT

Cardholders can make American Express credit card payment using the NEFT facility and get their dues settled. Below mentioned are the steps for the same:

• Register the Amex credit card as a payee in the bank account. 
• After the process of adding the payee is completed, select the same and enter the amount to be paid.
• Proceed with the Fund Transfer and authorise the transaction with the help of an OTP.
• The same will be credited in the next 24 hours.

3. Online Payment

In the case of Internet Banking, cardholders are given the option to make American Express credit card payment via Bill Desk. Below mentioned are the steps for the same: 

• Enter the 15-digit American Express Card Number.
• Re-enter the card number so as to avoid any mistakes.
• Enter the 10-digit mobile number and e-mail id.
• A payment confirmation will then be received on the mobile number and the e-mail ID.
• Enter the amount of the bill to be paid.
• Select the bank account from which the bill is to be paid.
• It will redirect automatically to the cardholder’s internet banking portal.
• Login with the help of a Customer ID and your password to authenticate the transaction.

4. Drop boxes

Amex has provided drop box options at several locations to make American Express credit card payment. Cardholders can draw a cheque/ draft in the same way as mentioned above in the case of a courier and drop the same in the nearest drop box. 

American Express Banking Corp.
Cyber City, Tower-C, DLF Bldg. No.8,
Sector-25, DLF City Ph-II,
Gurgaon-122002
Haryana, India

5. Courier

Cardholders are required to draw a cheque/ draft in favour of “AEBC Card No. <15-digit card number starting with 37>” for the amount that is to be paid and shall be sent via courier to the below-mentioned address:

American Express Banking Corp. Cyber City,
Tower ‘C’, DLF Building No. 8, Sector 25,
DLF City Phase II, Gurgaon-122002, Haryana

Conclusion

You should surely consider this card if most of your spending is dependent on credit cards. If you are a shopaholic who frequently shops on Flipkart, Shoppers Stop, Amazon, etc., and would like to redeem your purchases against the brands, this card is not for one who is not looking towards travel benefits. But, if you want to get a waiver on the annual fees, you would have to spend INR 1.5 lakhs in a year.