Amex MRCC in 2025: Need Clarifications

[yuvi004]

Hi everyone,

I have a few doubts about the Amex MRCC and would really appreciate if someone could clarify:

1. Discounted Annual Fee on Referral:
   Is the ₹1,500 discounted annual fee (instead of ₹4,500) still available through referrals? I am getting mixed answers from different sources, so it’s a bit confusing. Can someone please confirm?
2. Fuel and EMI for ₹20K Milestone:
   Do fuel and EMI payments count towards the ₹20,000 monthly milestone? I don’t care about earning rewards on them—just want to know if they’ll help me reach the milestone. I saw on the Amex website that post-purchase EMIs earn rewards, but there’s no clarity about the milestone.

I’m thinking of getting the MRCC mainly for fuel and EMI expenses and to take advantage of the monthly 2,000 reward points. Would love to hear your thoughts!

Thanks a lot! 😊

 

[Sriim]

Hi everyone,

I have a few doubts about the Amex MRCC and would really appreciate if someone could clarify:

1. Discounted Annual Fee on Referral:
   Is the ₹1,500 discounted annual fee (instead of ₹4,500) still available through referrals? I am getting mixed answers from different sources, so it’s a bit confusing. Can someone please confirm?

No discounted annual fee currently

1. Fuel and EMI for ₹20K Milestone:
   Do fuel and EMI payments count towards the ₹20,000 monthly milestone? I don’t care about earning rewards on them—just want to know if they’ll help me reach the milestone. I saw on the Amex website that post-purchase EMIs earn rewards, but there’s no clarity about the milestone.

Fuel expenses will be counted for 20k milestone

No idea about EMI transactions
Tagging @coolguy1 @SSV

 

[kumars_001]

Emi won't be counted. I had an emi of 4k per month and total amount that was converted to emi was 40k. It only considers the first month of the swipe as I made 40k transaction

 

[NAB]

Hi everyone,

I have a few doubts about the Amex MRCC and would really appreciate if someone could clarify:

1. Discounted Annual Fee on Referral:
   Is the ₹1,500 discounted annual fee (instead of ₹4,500) still available through referrals? I am getting mixed answers from different sources, so it’s a bit confusing. Can someone please confirm?
2. Fuel and EMI for ₹20K Milestone:
   Do fuel and EMI payments count towards the ₹20,000 monthly milestone? I don’t care about earning rewards on them—just want to know if they’ll help me reach the milestone. I saw on the Amex website that post-purchase EMIs earn rewards, but there’s no clarity about the milestone.

I’m thinking of getting the MRCC mainly for fuel and EMI expenses and to take advantage of the monthly 2,000 reward points. Would love to hear your thoughts!

Thanks a lot! 😊

1. Discounted Fees of Rs. 1500 is discontinued now.
2. Fuel is considered. EMIs not considered, but the Full amount at the time of swipe will be considered.

 

[coolguy1]

The discounted fee has been discontinued but if you're spending 1.5L, it still gets waived off fully.
So, even if you spend 15K-20K every month, it shouldn't be an issue.

All spends are counted towards the milestone. 🙂

If you plan to apply, I've a bunch of helpful tricks and tricks on how to earn maximum rewards using MRCC, DM me if you would like to get it! 🙂

 

[Explorer]

I applied MRCC this weekend and immediately got some limited approval after submission. I also did video KYC same day by clicking on the link in an email received from amex. But after that, I am yet to see any communication (email/sms) to even acknowledge the application. Is this usual in amex?

 

[Sriim]

I applied MRCC this weekend and immediately got some limited approval after submission. I also did video KYC same day by clicking on the link in an email received from amex. But after that, I am yet to see any communication (email/sms) to even acknowledge the application. Is this usual in amex?

Yes. You'll know the status/request for income documents in a couple of days

 

[roygarg]

I applied MRCC this weekend and immediately got some limited approval after submission. I also did video KYC same day by clicking on the link in an email received from amex. But after that, I am yet to see any communication (email/sms) to even acknowledge the application. Is this usual in amex?

In the vkyc mail, there is an upload option to upload your salary slips, bank statement.

 

[coolguy1]

I applied MRCC this weekend and immediately got some limited approval after submission. I also did video KYC same day by clicking on the link in an email received from amex. But after that, I am yet to see any communication (email/sms) to even acknowledge the application. Is this usual in amex?

It could take a few days for documents verification and the final approval.

Allow it some more time and you should have an update email in the next 3-4 days max! 🙂

 

[MANAV28]

1. No discounted fee
2. Fuel considered as milestone

 

[Explorer]

I applied MRCC this weekend and immediately got some limited approval after submission. I also did video KYC same day by clicking on the link in an email received from amex. But after that, I am yet to see any communication (email/sms) to even acknowledge the application. Is this usual in amex?

Just received an email saying card is approved and it should reach in 3-7 days. No mention of any credit limit though. Thanks.

 

[coolguy1]

Just received an email saying card is approved and it should reach in 3-7 days. No mention of any credit limit though. Thanks.

Awesome! Congrats on the approval.

Depending on your area, it would get delivered even fast, mine arrived in 2 days and some people here even got it the next day.
The credit limit will be mentioned in the welcome letter! 🙂