American Express, one of the world’s most renowned financial services corporations, introduced the Membership Rewards program to better serve its credit card users in India. Fulfilling the bare needs of the customers is no longer enough. A great credit card should also offer a host of perks. That is why American Express has designed its credit card brand around financial flexibility, excellent customer care services and enhanced security. It allows users to earn rewards just for using the card, and you can also redeem AmEx credit card rewards periodically.
From luxury shopping items and cash back points to free holidays and free air miles, you get a range of rewards for being part of the Membership Rewards program. You can also choose from a wide variety of service providers and retailers when it comes to picking your reward. Earning points with the Amex credit card is also fairly easy. Every time you make a purchase using your credit card, you get to earn points that add to your reward. The more you use your card, the more you stand to earn in points and later in rewards.
Which cards are eligible for the Membership Rewards program?
American Express has introduced a range of different cards that fall under the Membership Rewards program. Regardless of which specific type of card you have, you can earn points. You can even transfer the earned points to the company’s other loyalty programs such as frequent flyer program and guest program. Here are the cards that offer these features:
- AmEx Platinum Travel Credit Card
- AmEx Platinum Credit Card
- AmEx Platinum Reserve Credit Card
- Jet Airways AmEx Platinum Credit Card
You do not have to enrol separately for any other loyalty program to enjoy the Membership Rewards program. If you have a basic card account, you can also link it to another account to obtain reward points. You can link multiple accounts to increase your reward points. The reward points get updated in your account 24 to 48 hours after you make the purchase.
How to earn reward points as part of the Amex Membership Rewards program?
You get to earn points for everything you buy on your credit card. If you have a supplementary credit card, you can also make a purchase with that to add points to your primary account. Other than reward points, you can also earn JPMiles and PAYBACK Points. Here, we will discuss the different types of cards and how you can earn points with them.
The AmEx Platinum Card –
Every time you spend Rs. 40, one Membership Rewards Point gets added to your account. However, you should note that payments do not include utility bills, fuel transactions and insurance payments.
The AmEx Membership Rewards Credit Card –
Every time you spend Rs. 50, one Membership Reward point adds to your account. Similar to the Platinum Card, this card does not reward payments made for insurance, fuel or utility.
Every time you spend Rs. 50 using this card, one Membership Reward point gets added to your account. Again, you do not get rewarded for utility, fuel and insurance payments.
The AmEx Gold Card –
You get one Membership Reward point for every Rs. 50 you spend with this card. You do not avail any rewards for utility, insurance or fuel purchase.
The AmEx Platinum Reserve Credit Card –
One Membership Reward point adds to your account for every Rs. 50. You do not obtain any rewards for fuel, utility or insurance.
The AmEx PAYBACK Credit Card –
You get to add an impressive 3 PAYBACK Points to your account for every Rs. 100 you spend on this card. Unfortunately, this card also excludes payments made for utilities, fuel and insurance premiums.
The Jet Airways AmEx Platinum Credit Card –
You can get 8 JPMiles for every Rs. 150. You do not avail any JPMiles for insurance payments, fuel purchase or utility bill payment.
You can also add to your rewards by earning bonus reward points as either EXTRA JPMiles or EXTRA Membership Rewards.
What do EXTRA Membership Reward Points refer to?
By enrolling under the “EXTRA” program, you get to earn as many as 20 bonus Membership Reward Points for each Rs. 100 you spend on travel, shopping, dining, and lodging.
What are EXTRA JPMiles?
Again, if you enrol under the “EXTRA” program, you can earn as many as 20 bonus JPMiles for every Rs. 100 you spend on shopping, dining, travel and lodging.
What are points for charges and how to redeem rewards?
You can utilise your Membership Reward points for various charges. However, you need to have at least 1000 points in your account. To redeem AmEx credit card rewards, all you have to do is log into your account, go to “Current Statement” or “Recent Activity” and then click on “Use Points for Your Charges.” After this, you need to select the eligible charges and click on “Submit.”
What are points for travel and how to redeem AmEx credit card rewards?
You can also use your Membership Reward points to pay for your next trip through American Express Travel. On the American Express Travel website, you can select your flight, hotel, vacation package or even a cruise! You can use either all or some of your Membership Reward points to pay for your needs at the checkout. Once you specify the number of reward points you want to spend, you need to hit “Apply.”
Where can you spend points that you have earned through the Membership Rewards program?
You can redeem your Membership Reward points for a plethora of items starting from gifts to e-vouchers. You also get a ton of options to choose from. Here are some of the areas where your reward points come in handy:
- Select and pay with points
- Home and health
- Hotel gift certificates
- Fashion and accessories
The Membership Rewards program allows you to collect enough points to purchase a range of products including gifts, apparels, dining offers, electronics and outdoor essentials. As you can see from the discussion above, redeeming these points is just as easy as earning them. However, you need to note that each credit card under the Membership Rewards program has certain conditions based on the particular features and benefits of that card. You need to meet those conditions to be able to redeem the rewards.