American Express
American Express Membership Rewards Credit Card
High-value Membership Rewards card built around monthly spend and transaction milestones.
✓ SmartCheck VerifiedIssuer-source checked on 17 Sep 2026
Fees, rewards, access and eligibility reviewed against available issuer material.
Amex
- Annual fee
- ₹4,500
- Forex markup
- 3.5%
Credofly Verdict
Is this card a good fit?
What works well
- Monthly bonus structure can generate strong returns at relatively modest spending levels.
Consider before applying
- Base earn rate alone is modest.
Fees & Charges
What the card costs
- Joining fee
- ₹1,000
- Annual fee
- ₹4,500
- Forex markup
- 3.5%
- Annual-fee waiver spend
- ₹1.5 lakh
Eligibility & Application
Before you apply
Frequently Asked Questions
Answers before applying
What is the annual fee for American Express Membership Rewards Credit Card?
The annual fee is ₹4,500.
What forex markup does this card charge?
The forex markup is 3.5%.
Does this card support UPI?
No. This card does not support UPI.
Is this card currently open for applications?
Please check with the issuer for the current application status.
