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American Express credit cards cards compared

Every card we review from this bank, ranked on what they actually return.

American Express cards compared

Card	Annual fee	Effective return	Forex markup
American Express Membership Rewards Credit Card	₹4,500	2.5%	3.5%

Effective return is a realistic blended reward rate, not the accelerated headline rate that applies only to selected categories. Ranked by that figure, using a formula we publish.

Terms change without notice. Confirm the current figures with American Express before you act.