American Express Credit Cards – Reward Point Earning and Transfer Partners

American Express credit cards are a global phenomenon. From high rewards, sleek design to being a status symbol, these cards have it all. AmEx has established a basic foothold in India, although it still faces accessibility and availability issues. People here have accepted these cards with their hearts and wallets. American Express credit cards are extremely popular among high net-worth individuals, but with rewarding cards like MRCC and SmartEarn, even the middle section of society has now accepted AmEx. While many know all about these cards, some still have a stigma before applying for them. If they want to, they might wonder which card to choose, such as between Membership Rewards or the Gold Charge. All of this can be solved by providing information about the reward-earning structure of a credit card or, even better, redemption.

Where Can You Redeem Your Membership Rewards Point?

• Transfer Points to Partner Hotels/Airlines
• Redeem for INSTA Vouchers
• Cover Various Charges of Your Credit Card Spends
• Redeem for Travel
• Pay With Points

AmEx Credit Cards Reward Points Earning

You earn Membership Rewards Points on American Express cards. The following table summarizes the reward point/cashback benefits that you get with the cards as mentioned below.

American Express Membership Rewards Points Transfer Partners and Ratio

American Express currently offers ten transfer partners, eight of which are airlines and two of which are hotels. Let’s examine the Airline transfer partners first.

Transferring to hotel partners is quite popular with American Express Cards, as one can simply convert their Membership Points to Marriott at a 1:1 ratio.

While transferring your Membership Rewards Point, keep the following in mind:

• Redeemed rewards cannot be refunded, exchanged, replaced, or transferred for cash or credit. If you have any questions about your transfer, please contact American Express customer services.
• A maximum of 900,000 Points can be transferred per redemption transaction or in a calendar year.
• Successful enrollment in the Loyalty Program of the participating partner is necessary for Points to be transferred.
• Transfers are usually instant, but in rare cases, it may take up to 7 days for the transfer to be completed.
• Please be aware that bookings can only be made once the points are credited to the Cardmember’s Loyalty Program account with the participating partner.
• Additional taxes, fees, charges, and surcharges may apply as governed by the Terms & Conditions of the participating partner.

How to Transfer Points?

• Connect your partner account.
• All partners have a minimum and maximum number of points eligible for transfer, and the transfer time varies for each partner.
• Please make sure to log in to the partner site after the estimated transfer time.

Redeem Points for INSTA Vouchers

Those with AmEx Credit Cards can easily redeem their points for vouchers from popular brands. Before redeeming, it’s important to note that each brand may provide a different value for the reward points. For example, at the time of this article, ₹500 worth of Nykaa vouchers can be redeemed for 2,000 MR Points, whereas an Amazon voucher worth ₹1,000 can be redeemed for 4,400 MR Points. You would need to have the required points for redemption against vouchers.

For Both International and Domestic Bookings, the Value of 1 MR Point = ₹0.25 Except for the Platinum Travel Credit Card, Where the Value of 1 MR Point = ₹0.30.

Redeem Membership Points for Travel

American Express has its own travel booking portal where eligible cardholders can redeem their rewards points for travel bookings such as hotels, flights, car rentals, and other vacation packages. With American Express Travel Online, credit cardholders have the option to completely pay with points or partially pay with points.

How to Book Travel Experiences With Membership Points?

• To view your points balance, log in to your American Express Account. If you have an eligible card, you will see the balance of points in the top right corner of the page.
• Start your travel search on the American Express Travel Online site.

• Your available payment options will be shown in the results.
• When checking out, complete your Traveler Information and use the slider to select the number of points you want to apply to your booking.
• Membership Rewards points will then be deducted from your Membership Rewards balance at the time of booking.

Pay for Your Card Expense With MR Points

You can also use your Membership Rewards Points to cover the transactions made with your American Express Credit Card. This allows you to easily redeem rewards and would also come in handy during a cash crunch.

Bottom Line

American Express cards offer more than a credit line or rewards. They are considered to be status symbols, a doorway to luxury, and unforgettable experiences. All of this ultimately comes down to the rewards we reap from these cards. American Express credit cards offer decent rewards, great milestone benefits, and a wide variety of options when it comes to redeeming these points. Those who travel often choose to redeem their points to transfer to a valuable partner offering higher value. In such a case, Marriott comes out to be the winner as it offers a transfer ratio of 1:1. Each individual can redeem their points according to their needs. Whether it’s for partner points, pay with points, or any other form of offered redemption.

Have any questions? Feel free to ask below.