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Entry level card - Amex MRCC card (2023)

  • JMaurya
  • Apr 15, 2023
  • 4 min read

Updated: Jun 27, 2023

This is one of the best entry-level cards with milestone benefits from Amex. This card can be your primary card in your wallet for all your spending if your monthly spending is just around 20K per month. I know Amex card is not accepted in tier 2 and tier 3 cities easily but the way AMEX is trying to penetrate India, soon you will see its acceptance getting increased.

This card will help you to understand amex features and what benefit you can get if you focus on earning membership reward (MR) points on the usage of this card. First I will go through how much membership rewards you can earn and later how you can maximize the value of each membership reward.


Optimal usage:

  • For every Rs 50 spent, you will earn 1 MR point with this card.

  • This card gives 2X MR points if the card is used on the AMEX reward multiplier program. Here you can find all famous brands and online shopping sites like Amazon and Flipkart.

  • If you use this card for 4 transactions of amounts greater than Rs 1500, then you will reach the monthly milestone which will earn you 1000 MR points. This milestone is enabled by default on your card.

  • The next monthly milestone is when you spend Rs 20000 cumulative in a month including the above 4 transactions done of Rs 1500. This milestone will give you another 1000 MR points.

  • You need to register your credit card number one time on the AMEX website if you are interested in the 20K milestone program. This is not enabled by default.

  • This way you will able to earn 24K MR points through milestone reach in a year if you just spend 20K on this card every month

  • You can earn regular 400 MR points for your 20K spent in a month. So in total, you will earn 4800 MR points in a year for regular spending.

  • If you use a reward multiplier then these regular rewards will become 9600 MR points in a year.

Fee :

  • If you apply for this card with the amex referral program then this card will be a first-year free and you will receive 2000 MR points as a joining bonus.

  • Next year you need to pay Rs 1500 as a renewal charge but this card has a fee waiver where if you spend Rs150000 on this card in a previous year then the renewal fee will be waived.

  • Also, this card has one unique renewal benefit where if you have spends only Rs 90000 plus in last year then your renewal charge will be just 50% of the renewal amount means Rs 500 for the above case.

  • If you apply for this card directly then this has a joining fee of Rs 1000 for the first year which will be compensated with 4000 MR points once you spend Rs15000 in the first 45 days.

  • Also, this will have Rs 4500 as a renewal charge if joined without a referral. A fee waiver is applicable in this case as well.

So in an ideal situation if you spend Rs 240000 in a year with a reward multiplier then you will be earning 24000 + 9600 = 33600 MR points plus 2000 MR points in the first year if joined with a referral. If we go with the easy redemption option (Flipkart voucher) then also you will earn at least Rs 17800 for the first year. And your renewal charge will be waived as well.


33600 + 2000 = 35600 , 35600 *0.5 = Rs17800 /-

So for 240000 spent, you will earn a reward rate of around 7.4 %.


I can share the tips which I use to reach both milestones on this card every month.

  • Use the reward multiplier and buy 4 times Rs1500 Amazon pay gift cards and load them on the Amazon website. With this, I pay my electricity bills, mobile bills, broadband bills, property taxes, and some shopping.

  • Then I buy a Swiggy money voucher from the amex reward multiplier and load them on the Swiggy app for my online food order or restaurant visits.

  • I use this card to fuel my car for a max of 4k per transaction every month from the HP petrol pump.

  • Also, I buy a Blinkit voucher from the amex reward multiplier for my grocery need.

  • Last I use this card where ever possible on the POC machine for my normal shopping.

  • If you don't have a fuel credit card then this card can give you the best benefits as compared to a fuel credit card. Just use this card to refill your vehicle 4 times for the amount of Rs1500 each swipe on the HP petrol pump and you will earn 1000MR points for 6k spent.

MR points earned through AMEX cards have lifetime validity till you hold at least one of their card with you. Also, different values can be retrieved from MR points depending on where you want to redeem them. For MRCC cards they have 2 redemption options 18K carats and 24K carats where you can get a value of around 50 paise for each MR point. You can get more detail about this on their website if you are interested in this redemption. But the best value can be redeemed if you transfer your MR points to the Marriott Bonvoy Hotel stay program where you get 1 Marriott Point for each MR point. I will be sharing more on the Marriott Bonvoy program in a future blog and that will help you understand why this redemption is giving the best value for MR points.

For the same 35600 MR points, you will able to get 2 to 3 days of stay in a good hotel during the off-peak season which will cost you around 21K in Rupees.



Thank you for reading this blog. If you are interested in any of the below activities then you can use my referral links. This way you can support this blogging site and encourage me to add more blogs like this.


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