Amex MRCC Credit Card 2025
1,000 Welcome Points
5X Membership Rewards
4 Lounge Visits
₹1,000 Fee
Earn over ₹15,000+ value with 1,000 welcome points + 5X MR + lounge access!
Best entry-level premium! Amex MRCC gives 1,000 welcome Membership Rewards points, 5X MR on all spends, 4 lounge visits, and premium Amex benefits.
Perfect for Amex beginners!
Why Choose Amex MRCC in 2025?
1,000 welcome points • 5X MR everywhere • 4 lounge visits • Amex offers • Low fee
Best for: Amex beginners, reward collectors, occasional travelers
Card At a Glance
Joining Fee
₹1,000
₹1,000
Annual Fee
₹1,000
₹1,000
Reward Rate
5X MR Points
5X MR Points
Lounge Access
4/Year
4/Year
Forex Markup
3.5%
3.5%
Welcome Gift
1,000 MR Points
1,000 MR Points
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Reward Points | 5 MR per ₹100 |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | None |
| Cash Advance Fee | 3.5% of amount |
Detailed Reward Rates (2025)
- 5 MR points per ₹100 on ALL spends
- 1,000 welcome MR points on joining
- 1 MR = ₹0.50-₹1 (flights/hotels)
- Transfer to 15+ airline partners
- Points valid 3 years
Airport Lounge Access
- 4 complimentary domestic lounge visits per year
- 1 visit per quarter
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹2 Lakh purchase protection
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5X MR everywhere | ₹1,000 annual fee |
| 1,000 welcome points | No fee waiver |
| 4 lounge visits | Amex acceptance limited |
| 15+ airline transfers | 3.5% forex markup |
| Low fee premium card |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹4 Lakh
- Credit Score: 720+ preferred
- Documents: PAN, Aadhaar, Income Proof
How to Apply Online (3-Minute Process)
- Visit Amex India website
- Select MRCC → Apply
- Fill income details
- Video KYC verification
- Card + 1,000 points in 7 days
Final Verdict – Should You Get It in 2025?
Best Amex entry card! 5X MR + 1,000 welcome points + lounge = ₹15,000+ value. Perfect for Amex starters!
Frequently Asked Questions (FAQs)
5X on ALL spends?
Yes! No category restrictions.
1,000 welcome points value?
₹1,000+ when transferred to airlines!
4 lounge visits included?
Yes! 1 per quarter domestic.
Airline transfers work?
Yes! 15+ partners including Vistara, Air India.
Easy to get?
Yes! ₹4L income + good credit score.