American Express MRCC
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Kotak Zen Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for American Express MRCC holders
Frequently asked
Is the American Express MRCC worth the ₹1,500 fee?
It depends on your spend. The American Express MRCC earns 0.5% base reward and waives the annual fee at ₹90,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for American Express MRCC?
American Express hasn't published a hard minimum income for American Express MRCC. Approval depends on credit score, existing relationship, and employment type.
How do I redeem points on American Express MRCC?
Best redemption is at Vouchers, where 1 point ≈ ₹0.5. Other paths (statement credit, vouchers) usually return less.
Reward rates and fees are sourced from American Express's product page and may change. Always confirm with the card issuer before applying.