{
  "id": "american-express-membership-rewards",
  "locale": "hinglish",
  "name": "American Express Membership Rewards Credit Card",
  "bank": "American Express",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹4,500 + GST (First Year ₹1,000 + GST)",
  "loungeAccess": "Complimentary airport lounge access nahi milta",
  "rewardsRate": "1 MR point per ₹50 spent · 4x ₹1,500 transactions pe 1,000 monthly bonus · ₹20,000 spend pe 1,000 bonus",
  "bestFor": "Monthly milestone spenders jo ₹6,000 se ₹20,000/mo spend karke Marriott Bonvoy ya 24K Gold Collection vouchers target karte hain",
  "officialLink": "https://www.americanexpress.com/in/credit-cards/membership-rewards-card/",
  "affiliateId": "american-express-membership-rewards",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.americanexpress.com/in/credit-cards/membership-rewards-card/",
    "American Express India — Membership Rewards Card schedule of charges and 18/24 Karat Gold Collection terms"
  ],
  "feeWaiver": "₹1,50,000 annual spend pe 100% fee waiver; ₹90,000–₹1,49,999 pe 50% waiver",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "4x ₹1,500 Milestone",
      "value": "1,000 Bonus MR / month"
    },
    {
      "key": "₹20k Monthly Milestone",
      "value": "1,000 Bonus MR / month"
    },
    {
      "key": "Base Earn Rate",
      "value": "1 MR pt / ₹50 spent"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹1,50,000 annual spend"
    },
    {
      "key": "Annual Renewal Fee",
      "value": "₹4,500 + GST"
    },
    {
      "key": "Lounge Access",
      "value": "None"
    }
  ],
  "earnRates": [
    {
      "category": "4x ₹1,500 Monthly Milestone",
      "rate": "16.7% (1,000 Bonus + 120 Base MR / ₹6k spend)",
      "monthlyCap": "1,000 bonus pts / month",
      "perLakhSpent": "16,666 MR Points"
    },
    {
      "category": "₹20,000 Monthly Spend Milestone",
      "rate": "12.0% (2,400 total MR / ₹20k spend)",
      "monthlyCap": "2,000 bonus pts / month",
      "perLakhSpent": "12,000 MR Points"
    },
    {
      "category": "General Retail & Online Spends",
      "rate": "1.0% (1 MR pt / ₹50)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "Fuel, Insurance & Utilities",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 MR Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "4 Transactions of ₹1,500+",
      "multiplier": "1,000 pts",
      "rate": "16.7%",
      "monthlyCap": "1,000 bonus pts / month",
      "dailyCap": "—",
      "note": "Ek calendar month mein ₹1,500 ya usse zyada ke 4 transactions."
    },
    {
      "channel": "₹20,000 Monthly Spend",
      "multiplier": "1,000 pts",
      "rate": "5.0%",
      "monthlyCap": "1,000 bonus pts / month",
      "dailyCap": "—",
      "note": "Ek calendar month mein ₹20,000 ka total spend (one-time enrollment required)."
    },
    {
      "channel": "Amex Reward Multiplier Portal",
      "multiplier": "2X–3X",
      "rate": "2.0%–3.0%",
      "monthlyCap": "25,000 bonus pts / month",
      "dailyCap": "—",
      "note": "Gyftr brand vouchers aur partner e-commerce shopping redirects."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "24 Karat Gold Collection (Taj Experiences Voucher)",
      "value": "₹0.58 / pt",
      "minPoints": "24,000 pts",
      "ceiling": "₹14,000 voucher",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Marriott Bonvoy Points Transfer (1:1 Ratio)",
      "value": "₹0.50–₹0.70 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "18 Karat Gold Collection (Taj / Shoppers Stop)",
      "value": "₹0.39–₹0.50 / pt",
      "minPoints": "18,000 pts",
      "ceiling": "₹9,000 voucher",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "24 Karat Gold Collection (Amazon / Flipkart / Tanishq)",
      "value": "₹0.33–₹0.38 / pt",
      "minPoints": "24,000 pts",
      "ceiling": "₹8,000–₹9,000 voucher",
      "fee": "Nil"
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.25 / pt",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Fuel transactions (0% points; HPCL fuel surcharge waiver applicable).",
    "Insurance premium payments.",
    "Electricity, water aur gas utility payments.",
    "Cash advance transactions aur merchant checkout pe EMI conversions."
  ],
  "feesDetail": [
    {
      "item": "First Year Joining Fee",
      "value": "₹1,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹4,500 + GST (₹1.5L spend pe 100% waiver; ₹90k pe 50% waiver)"
    },
    {
      "item": "Forex Markup Fee",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges (Revolving Interest)",
      "value": "3.5% / month (42% / year)",
      "warn": true
    },
    {
      "item": "Add-on Card Fee",
      "value": "₹1,500 + GST per card"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18 saal ya usse zyada"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹4.5 Lakhs net annual income"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6 Lakhs per annum"
    },
    {
      "criteria": "Serviceable Locations",
      "requirement": "Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nashik, Trivandrum, Mysuru"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": {
    "cash": "0.25",
    "airmiles": "0.50",
    "vouchers": "0.58"
  }
}