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If you are looking for a top segment credit card, then the American Express Membership Rewards credit card may be an ideal option for you in India. In addition to regular and appealing rewards of the current Amex credit cards, this specific credit card also offers you bonus rewards when you make transactions to wallets such as Amazon Pay, Freecharge, and Paytm. In case you are an online spender or most of your spending is done via online methods then without a doubt, this is the best credit card you can get in India. Here are more details about the card:
Advantages of American Express Membership Rewards Card
Generous Reward Points
You can earn one reward point per 50 Rupees you spend with your card.
Discounts on Dining
American Express Membership Rewards credit card holders can benefit %20 percent discounts on partner restaurants in India.
Reward Points upon Renewal
The card also offers 5000 reward points when you renew your card for the first time.
Broad Online Options
You can benefit from the worldwide network of Amex and take advantage of great campaigns on the internet.
Cashback Opportunities
Holders can benefit from cashback opportunities up to 10% when they make transactions on their online wallets for shopping and other purposes.
Disadvantages of American Express Membership Rewards Card
Annual Fee
Just like all Amex cards, the American Express Membership Rewards credit card has an annual fee. This fee is only 999 Rupees in the first year and 4500 Rupees in the following years.
No Lounges
You can’t benefit from domestic and international lounges in any of the Indian airports.
Limited Stores
Amex is not widely used in brick and mortar stores in India. If you like shopping by visiting stores, it may not be the best choice for you.
