Membership Rewards Credit Card
Rs 4,500Annual fee
Rs 1,50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Membership Rewards, Monthly Milestones, Shopping, Vouchers
Top rewards
Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Partner Merchants: 2 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
Gold Credit Card
Rs 4,500Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Charge Card, Membership Rewards, Monthly Milestones, Dining
Top rewards
Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Utilities: 1 Membership Rewards Point / ₹50 spent on utility payments; Partner Merchants: 5 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
| Feature | Membership Rewards Credit Card | Gold Credit Card |
|---|---|---|
| Issuer | American Express | American Express |
| Network | American Express | American Express |
| Joining fee | Rs 1,000 | Rs 1,000 |
| Annual fee | Rs 4,500 | Rs 4,500 |
| Fee waiver spend | Rs 1,50,000 | - |
| Reward type | Membership Rewards | Membership Rewards |
| Best for | Membership Rewards, Monthly Milestones, Shopping, Vouchers | Charge Card, Membership Rewards, Monthly Milestones, Dining |
| Top reward categories | Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Partner Merchants: 2 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands | Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Utilities: 1 Membership Rewards Point / ₹50 spent on utility payments; Partner Merchants: 5 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 1,000 Bonus Membership Rewards points on 4 transactions of ₹1,500 or more in a calendar month, Additional 1,000 Membership Rewards points on spending ₹20,000 or more in a calendar month | 1,000 bonus Membership Rewards points on completing 6 transactions of ₹1,000 or more every calendar month |
| Redemption | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, excluded spends as per American Express terms | insurance, cash transactions, fuel payments do not earn Membership Rewards points effective 12 June 2025, excluded spends as per American Express terms |