While American Express is known for its premium cards with amazing customer support, they also issue one of the highly rewarding entry-level credit card in the country in the name of Membership Rewards Credit Card (MRCC).

Even though its an entry-level credit card, you can get return on spend as good as any other super premium credit card and even more.

Overview

Table Of Content

• Fees
• Rewards
• NeuPass
• Fair Usage Policy: Caps on Tata Brand Merchants' Rewards
• Rewards Redemption
• Other Key Benefits and Charges
• Foreign Currency Markup fee
• Complimentary Airport Lounge Access
• Pros and Cons
• Final Thoughts

Fees

American Express Membership Rewards Credit Card is a pretty decent rewards card that gives a lucrative reward rate if used right.

Note that 4,000 MR points are easily valued at 2,000 INR and on top of that, with the limited period offer you get an additional 2,000 MR points (valued at 1,000 INR) when applied through the referral link. So that’s like getting 3X the value overnight, as you pay 1,000 INR as joining fee but get 3,000 INR value back.

Further, the renewal fee can as well be waived off by calling Amex support. Expect 100% waiver on renewal with annual spends >1.5 Lakhs. Else, you can get 50% waiver on spends >90K INR.

Rewards

Limitation on Rewards:

• Utilities, Fuel spends, Insurance & EMI

The limits are ideally good enough for a regular user and 5% rewards on these categories are rare to see in the segment.

NeuPass

With NeuPass Membership, you get:

• Additional 5% NeuCoins on eligible Tata Neu spends

This stacks with the card’s 5% rewards (on select categories), giving you up to 10% effective return.

On top of that, you also get good discounts by booking on the app with brands like BigBasket & Taj Hotels.

Fair Usage Policy: Caps on Tata Brand Merchants’ Rewards

Rewards Redemption

1 NeuCoin = 1 INR

NeuCoins are cash-equivalent and easy to redeem across Tata partner brands. While there are many options, redeeming for Tanishq gold coins is the popular choice.

If you’re into travel, you can also redeem NeuCoins at Taj Hotels which is perfect for settling any remaining balance after applying Taj vouchers.

Other Key Benefits and Charges

• Fuel Surcharge Waiver: Not available except at HP fuel pumps
• Interest Rates: 42% Annually
• Cash Withdrawal Fees: 3.5%

Foreign Currency Markup fee

• Foreign Currency Markup Fee: 3.5% + GST

Complimentary Airport Lounge Access

Effective 10 June 2025, domestic lounge access is now milestone-based. To qualify, you must spend ₹50,000 or more in a calendar quarter.

For domestic access, lounge vouchers will be issued. Receive SMS/email to claim voucher within 120 days, then lounge usage valid within 180 days. Link to details.

For international access, on Visa, Priority Pass is issued on request.

Pros and Cons

Final Thoughts

The HDFC Tata Neu Infinity Credit Card is one of the most rewarding UPI credit cards in the country, particularly beneficial for those who are in the Tata ecosystem. In this segment, you might as well be interested in the SBI Cashback Credit card (no UPI advantage though) that offers 5% direct cashback on most online spends.

American Express Membership Rewards® Credit Card

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