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 SBI Cashback
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.
What is the forex markup on American Express MRCC?
Most Indian cards charge 1.5–3.5% forex markup. We're verifying American Express MRCC's exact rate.
Reward rates and fees are sourced from American Express's product page and may change. Always confirm with the card issuer before applying.