American Express (AMEX) has announced new limited time offers under its Rewards Multiplier and Member Get Member (MGM) program for its credit card holders. The rewards multiplier program will run from January 24, 2025, and end on January 28, 2025, including both days. The MGM program has already started on January 16, 2025, and will end on February 27, 2025.
Member Get Member (MGM) program
The MGM offer is applicable from January 16, 2025, to February 27, 2025, both days inclusive. In this offer when an existing AMEX card holder refers another individual to apply for an AMEX card, both referred and referee receive eewards points as per a specified table.
For example, if you refer your friend to apply for American Express Gold Card then you will get Additional 4,000 membership rewards points on approval of your friend’s card. Referred person will get additional 2,000 Membership Rewards Points upon spending Rs 5,000 in the first 90 days of getting the card membership.
Details of the AMEX rewards multiplier program
For purchases made between January 24 and January 28, 2025, all eligible American Express cards featuring the Reward Multiplier benefit will earn 25 membership rewards points per Rs 100 spent.
American Express is offering its cardmembers the opportunity to earn up to 5X bonus points through the Reward Multiplier when shopping from over 65 brands, including Apple, Nykaa, Tanishq, Flipkart, MakeMyTrip, and more.
During this promotional period, the standard Reward Multiplier benefits of 5X Membership Rewards points for American Express Platinum Card and American Express Gold Card, and 2X Membership Rewards points for the American Express Membership Rewards Credit Card and other eligible American Express Proprietary Cards will be replaced with the accelerated offer of 25 membership rewards points per Rs 100 spent.It must be noted that purchases of e-vouchers will not qualify for the 25 points per INR 100 spent offer.
Which AMEX are eligible for accelerated membership reward points
With the Reward Multiplier, American Express cardmembers can earn up to 25,000 bonus Membership Rewards points per month. Bonus points will be credited within 120 days of the transaction.
The American Express Reward Multiplier is an exclusive shopping portal that enables cardmembers to earn additional reward points when they access their preferred shopping sites via the portal. The number of points earned varies by card type:
American Express
Source: AMEX Press release
How to earn extra points with a reward multiplier and your American Express Card?
Here’s a step-by-step guide on how to earn extra points with reward multiplier in AMEX:
Step 1: Select a merchant of your choice and click on “Shop Now”. No account login is required.
Step 2: Fill out a few simple details and click on ”Submit”. Make sure your shopping cart is empty on the Merchant site.
Step 3: You can now add items to your cart once you are on the merchant site.
Step 4: Proceed to check out with the same American Express Card used for validation in step 2.
What are the annual fees of AMEX credit cards
The details of annual fees are below:
| AMEX card name | Annual fees |
| American Express SmartEarn Credit Card | Rs 495 plus applicable taxes |
| American Express Gold Card | First Year fee: Rs 1,000 plus applicable taxes second year onwards: Rs 4,500 plus applicable taxes |
| American Express Membership Rewards Credit Card | Annual Fee First Year fee: Rs 1,000 plus applicable taxes Second Year onwards: Rs 4,500 plus applicable taxes |
| American Express Platinum Travel Credit Card | Rs 5,000 plus applicable taxes |
| American Express Platinum Reserve Credit Card | Rs 10,000 plus applicable taxes |
| American Express Platinum Card | Rs 66,000 plus applicable taxes |
Source: AMEX press release
Do Amex points expire?
Membership Rewards points have no expiration date. However, points may be forfeited as described in the program Terms and Conditions.
Would AMEX bonus membership rewards points be awarded on insurance fees?
According to the AMEX website as of January 24, 2025, “Bonus MR Points would not be awarded on any taxes, delivery charges, insurance fees, conversion fees, customs fee or any other fees paid during procurement of such goods / services from the merchant.”
AMEX bonus membership rewards points are not available on these products
According to AMEX website, here are the details:
| Product | Flipkart | Tata Cliq |
| All Mobile Phones, AirPods, Smart Watches, iPads, Vacuum Cleaners | Excluded | Excluded |
| Gemstones, Jewellery, Gold, Silver | Excluded | Excluded |
| Camera, IT Accessory, IT Peripheral, Laptop & Desktop, Personal Health Care, Storage, Tablet, Television | Excluded | Excluded |
| Gift Card | Excluded | Excluded |
| Grocery | Excluded | – |
| Refrigerator, Washing Machine, Geyser & Air Conditioner | Excluded | Excluded |
| Flight Bookings, Gift Cards, Bill Payments, Utilities, Insurance Premium & Recharges | Excluded | Excluded |
| Video Gaming Consoles & Hardware | Excluded | Excluded |
| Dizo Star 300 and 500 , Gfive U707, Itel A23 Pro, Kechaoda K66 The Music House 4 | Excluded | Excluded |
| The transactions taken on https://luxury.tatacliq.com are not included as a part of Tata Cliq offer. | – | Excluded |
| AutoMobile | Excluded | – |
Source: AMEX website
AMEX said on its website:
● For Ajio, the exclusions include Gold & Silver coins.
● For Nykaa, the exclusions include Gold & Silver coins, Gold and Silver jewellery and Gift Cards.
● For Myntra, the exclusions include Gold & Silver coins, Gold and Silver jewellery.
● For Croma, the exclusions include mobile phones.
● For Tanishq, the exclusions include Mia by Tanishq, Digital Gold, Golden Harvest Scheme, all silver products, gift cards.
● For Tata Cliq, the exclusions include beauty on mall, fine jewelry, also any transactions taken on https://luxury.tatacliq.com.
