American Express

American Express Membership Rewards Credit Card

Amex · Mid-tier

Annual fee

₹4,500+GST (waived on ₹1.5L spend)

Joining fee

₹1,000+GST

Welcome bonus

2,000 bonus MR on ₹5,000 spend in 90 days

Earn rates

💳All Spends1 MR per ₹50
🛍️Partner Merchants5x MR

Transfer partners (4)

Singapore Airlines KrisFlyer

Star Alliance · airline

Sweet spot

Ratio

2:1

Value/pt

1.5×

Transfer

1-3 days

Emirates Skywards

Independent · airline

Ratio

2:1

Value/pt

1.2×

Transfer

Instant

British Airways Avios

Oneworld · airline

Ratio

2:1

Value/pt

1.3×

Transfer

Instant

Marriott Bonvoy

Independent · hotel

Ratio

1:1

Value/pt

1.8×

Transfer

3-5 days

Key benefits

• 5x MR at partner merchants
• Annual fee waiver on ₹1.5L spend
• Milestone bonuses

Lounge access: 2 domestic lounge visits/quarter

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Card terms change. Always verify rates on the issuer's Most Important Terms & Conditions document before transferring points.