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AU Tejas vs Amex Membership Rewards Credit (MRCC)

Compare AU Tejas vs Amex Membership Rewards Credit (MRCC) across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Amex Membership Rewards Credit (MRCC) leads on reward rate, while AU Tejas has the lowest annual fee.

Card 1

AU Tejas

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0

Card 2

Amex Membership Rewards Credit (MRCC)

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.5
AU Tejas - AU credit card
Balanced value10.0

au / VISA

AU Tejas

Annual

₹500

Return

10%

Lounges

0

Forex

3.49%

Card summary
  • AU Tejas leans cashback-first with ₹500 annual fee, 10% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 10% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Amex Membership Rewards Credit (MRCC) - AMEX credit card
Balanced value3.5

amex / AMEX

Amex Membership Rewards Credit (MRCC)

Annual

₹1,500

Return

3%

Lounges

0

Forex

3.5%

Card summary
  • Amex Membership Rewards Credit (MRCC) leans reward-led with ₹1,500 annual fee, 3% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
AU Tejas
Amex Membership Rewards Credit (MRCC)
Fees
Annual fee
₹500
₹1,500
Joining fee
₹500
₹1,000
Rewards
Cashback rate
10%
0.5%
Reward rate
2%
3%
Travel
Forex markup
3.49%
3.5%
Domestic lounges
0
0
International lounges
0
0
Benefits
Fuel waiver
Yes
No
Dining
No
Yes
Movies
No
No
Eligibility
Minimum income
₹2,00,000
₹4,00,000

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