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American Express
Membership Rewards Credit Card
•••• 4421
American Express

Membership Rewards Credit Card

Verified against MITCAmex
₹4,500
annual fee
1%
base reward rate
720+
min. credit score

Rewards

3 rules
reward points · not on UPI
10%
cap: none
~95%
reward points · not on UPI
5%
cap: none
~95%
Everything else
reward points · base rate · not on UPI · excl. fuel, utility, insurance, wallet load
1%
cap: none
~95%

Best uses

4 merchants, 1 category

Where this card has a reward rule beyond the base rate. Tap a pill to see how it ranks against every other card we track at that merchant or category.

Who it's for

Minimum income
₹60,000/month
Minimum credit score
720+
Best for
Online shopping

Reward rules are curated from issuer MITC documents and cross-checked by our team. Always confirm the latest rules in your bank app before relying on a recommendation.

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