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American Express · American Express

American Express MRCC

Annual fee
₹1,500
Forex markup
—
Lounges (Dom/Intl)
4 / 0
Welcome benefit
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Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.

Net steady-state return
₹3,000 /year
0.50% effective · fee waived
Annual reward earned₹3,000
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹1,000
Strong fit at this spend.

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.

Metric
American Express MRCC
Kotak Zen Credit Card
Annual fee
₹1,500
₹1,500
Annual reward
₹3,000
₹10,020
Net /year (steady)
₹3,000
₹10,020
Forex markup
—
—

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.

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Reward rates and fees are sourced from American Express's product page and may change. Always confirm with the card issuer before applying.