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American Express

Amex MRCC

AmexMidPoints
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Annual Fee

₹4,500

Reward Type

Points

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹1,000
Annual Fee₹4,500(waived ≥ ₹1,50,000)
Min Monthly Income₹40,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.4/point

Category Multipliers

milestone2%(cap ₹20,000)

Redemption Values

statement credit₹0.25/pt
gold collection₹0.5/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

💡 Fee Waiver Strategy

Spend ₹1.5L to waive fee.

⚖️ Breakeven Analysis

To recover the ₹4,500 annual fee at the base reward rate of 1%, you need to spend ₹4,50,000 annually.

🎯 Pro Tips

  • ▸Do 4 transactions of ₹1500 to get 1000 bonus points monthly.
  • ▸Spend ₹20k/month for another 1000 points.

🏷️ Best For

lifestyleshopping