Membership Rewards Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: American Express
Network: Visa | Tier: Premium
High reward points
Why Choose the Membership Rewards Credit Card?
The Membership Rewards Credit Card is a Premium-tier Visa credit card issued by American Express, rated 4.6/5 by the Credit Card Hunt editorial team. It is best suited for Reward seekers. With a reward rate of MR points and an annual fee of ₹4,500, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Welcome bonus, which adds immediate value in the first year.
Membership Rewards Credit Card Fees & Charges
| Annual Fee | ₹4,500 |
|---|---|
| Joining Fee | ₹1,000 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | None |
Membership Rewards Credit Card Rewards & Benefits
| Reward Rate | MR points |
|---|---|
| Welcome Bonus | Welcome bonus |
| Lounge Access | None |
| Best For | Reward seekers |
Key Highlights of the Membership Rewards Credit Card
- High reward points
- MR points
- Insurance cover
Membership Rewards Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 750+
- Minimum income: ₹6,00,000/year
Minimum Income Required: ₹6,00,000/year
Advantages of the Membership Rewards Credit Card
- Strong rewards
Drawbacks of the Membership Rewards Credit Card
- Limited acceptance
Membership Rewards Credit Card — Frequently Asked Questions
What is the annual fee of the Membership Rewards Credit Card?
The Membership Rewards Credit Card has an annual fee of ₹4,500 and a joining fee of ₹1,000. New cardholders receive Welcome bonus as a welcome benefit, which helps offset the joining cost.
Does the Membership Rewards Credit Card offer airport lounge access?
No, the Membership Rewards Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Membership Rewards Credit Card?
The minimum income requirement is ₹6,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Membership Rewards Credit Card?
The Membership Rewards Credit Card earns MR points. It is best suited for Reward seekers.
Credit Cards Similar to the Membership Rewards Credit Card
If you are considering the Membership Rewards Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Expert Rating: 4.6/5