Name: American Express Membership Rewards Credit Card
Brand: American Express
SKU: e9HzJUV7SAe2bWjqiEXc
Rating: 4 (32 reviews)

Question 1

Is American Express Membership Rewards Credit Card International?

Accepted Answer

Yes, you can use the American Express Membership Reward Credit Card internationally and each transaction will have a 3.50% foreign currency mark-up fee. Make sure you update American Express about your travel plans by calling customer care before your travel so that your transactions are not denied by Amex suspecting these are fraudulent.

Question 2

What is the interest rate for American Express Membership Rewards Credit Card?

Accepted Answer

The interest rate is 3.50% monthly or 42% annually.

Question 3

Can I withdraw cash from American Express Membership Rewards Credit Card?

Accepted Answer

Like most credit cards, you can withdraw money using American Express Membership Rewards Credit Card up to your allowed cash withdrawal limit. Every transaction includes a fee of 3.50% on the advanced amount, subject to a minimum of ₹250. The interest rate is 3.50% monthly or 42% annually.

Question 4

What Is the American Express Membership Rewards Credit Card fee?

Accepted Answer

American Express Membership Rewards Credit Card has joining fee of ₹1,000 + GST and a renewal fee of ₹4,500 + GST from the second year onwards. If you spend ₹1.5L in 12 months your renewal fee is waived off.

Question 5

What is the value of the American Express Membership Rewards Credit Card reward rate?

Accepted Answer

You earn reward points while you spend using American Express Membership Rewards Credit Card. You earn 2 Membership Reward points for every ₹100 spent and these accumulated reward points can be redeemed.

Question 6

Do American Express cards have 15 digits?

Accepted Answer

In India, most common issuers Visa, MasterCard, and Rupay have standardized 16 digit card numbers while American Express uses 15 digits.

Question 7

How do I report a lost, stolen, or damaged Card?

Accepted Answer

If you need to report your lost or stolen card call Amex 24 hour Card Member Helpline to block your Card.

Question 8

Is applying for a credit card impacts my credit score?

Accepted Answer

Whenever you apply for a new credit card issuer bank will do a “hard inquiry” (aka “hard pull”) on your credit history to verify your creditworthiness. So it is a chicken-and-egg problem, to build good creditworthiness and build credit history you need a credit card and applying a new card impacts your score, so you need to plan ahead and apply for a few cards together and start building a good credit history by regularly using and repaying credit cards.

Question 9

How can I pay my American Express Credit Card bill?

Accepted Answer

You can pay American Express credit card dues via multiple channels:

Auto-Debit facility
Net banking
Drop Boxes
NEFT
UPI

Question 10

Can I increase my American Express credit limit?

Accepted Answer

Yes. Generally if you are a new customer banks offer a decent credit limit based on your eligibility and after the first six months and after gaining from loyalty, you can request for an increase in your credit limit.

Question 11

How do I download the Amex App?

Accepted Answer

You can download the Amex App for Android from Google Play and for iOS from Apple AppStore or dial this number 7043337788 and give a missed call to receive a link and instructions to download the Amex app onto your mobile phone.

Fee Type	Charges
Cheque/ECS return fee	₹250
Overlimit Charge	₹500
Duplicate Statement Fee	₹100
Surcharge on Fuel	2.5%
Membership Rewards Points	₹200 per points reinstatement ₹250 for every redemption of Air Miles
Cash advance fee	3.50% on advanced amount, subject to minimum of ₹250
Foreign Currency Transactions	Currency conversion factor assessment - 3.5%

American Express Membership Rewards Credit Card Offers & Benefits

American Express Membership Rewards Credit Card

Key Details of American Express Membership Rewards Credit Card

Fee Details of American Express Membership Rewards Credit Card

Charges of American Express Membership Rewards Credit Card

Documentation for American Express Membership Rewards Credit Card

Frequently asked questions