Current verdict
Amex MRCC is a credible option for monthly reward milestones, but the fee and reward rules should match your actual spending pattern.
- Best for
- Online shopping, app-based spends, and people who prefer simple cashback.
- Avoid if
- You spend mostly offline, need lounge access, or use commonly excluded categories.
- Users like
- Simple cashback and strong value across many online merchants.
- Users dislike
- Changing exclusions, approval uncertainty, and sometimes low starting limits.
- Most compared with
- HDFC Millennia, ICICI Amazon Pay