American Express · Mid
Amex Membership Rewards
Earns Amex Membership Rewards (India)
Where it ranks across all 187 cards
#15 Wallet load
1.0%
direct
#21 Education
1.0%
direct
#41 Jewellery & watches
1.0%
direct
#48 Gaming
1.0%
direct
#53 Mobile / broadband
1.0%
direct
#62 Train tickets
1.0%
direct
#65 Cabs & transit
1.0%
direct
#67 Other
1.0%
direct
#69 Health & pharmacy
1.0%
direct
#72 Electronics
1.0%
direct
#80 Hotels
1.0%
direct
#81 Flights
1.0%
direct
#81 Movies & events
1.0%
direct
#81 Fashion
1.0%
direct
#82 Online shopping
1.0%
direct
#82 Food delivery
1.0%
direct
#84 Groceries
1.0%
direct
#87 Dining out
1.0%
direct
#16 Government / tax
0.1%
direct
Get an email if this card changes - sign in.
Points valued at ₹0.5/pt - conservative, what rankings use · transfers reach up to ₹1.52/pt via Virgin Atlantic Flying Club at 5:4
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹50
source
Source: Amex MRCC MITC - americanexpress.com - read 20 Aug 2026
1,000 bonus MR on 4×₹1,500 txns/month
1.00%this rule
1 pt / ₹50
how it works & source
4 txns of ₹1,500+ per month = 1,000 bonus MR; PLUS another 1,000 MR on ₹20,000+ monthly spend (bank site). Fee ₹1,000 yr-1 / ₹4,500 renewal, 100% waived at ₹1.5L.
Source: Amex MRCC (bank site, verified Aug 2026) - americanexpress.com - read 20 Aug 2026
Via portals & vouchersdisplay, never ranks
ShopWise vouchers 2X (continue past 30 Sep 2026 per Amex - rate to re-check)
voucher route via amex travel
source & note
Reward Multiplier moved Gyftr→ShopWise on 1 Feb 2026; 200+ brands. MRCC earns 2X on vouchers.
Source: ShopWise catalog + card-multiplier table (public) - shopwise.giftstacc.com - read 22 Aug 2026
2.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Virgin Atlantic Flying Club
5:4 ratio
8,000 ptsworth ₹5,600-₹15,200
Hilton Honors
2:3 ratio · The rare better-than-1:1 route.
15,000 ptsworth ₹5,250-₹7,500
Marriott Bonvoy
1:1 ratio
10,000 ptsworth ₹4,500-₹6,500
Singapore Airlines KrisFlyer
2:1 ratio
5,000 ptsworth ₹4,000-₹12,500
British Airways Executive Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
Qatar Airways Privilege Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
Cathay Asia Miles
2:1 ratio
5,000 ptsworth ₹3,500-₹10,000
Amex India lists exact partners/ratios only after login; transfers are irreversible and process within hours. 18% GST applies on some conversions - check at redemption.
Earns nothing on4 exclusions
Fuel
earns nothing
Fuel: no MR points (MR T&C Section III.1(a) - Amex publishes categories, not MCC codes).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Insurance
earns nothing
Insurance: no MR points (MR T&C Section III.1(a)).
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Utility bills
earns nothing
Utility services (electricity/gas/water, incl govt providers): no MR points (MR T&C Section III.1(a)).
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
EMI
earns nothing
EMI chosen at merchant site/terminal earns no MR points on personal credit cards (MR T&C).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.