M16S / American Express / Amex Centurion Card
super-premium · rewards, travel
Amex Centurion Card
The Amex Centurion Card costs Rs 2,75,000 a year. Its base return is 1.5%. Accelerated earn: 60 MR per Rs 200 on ShopWise e-vouchers (Amex ShopWise T&C). Fuel: 4 extra MR per Rs 200 (cardinsider). The forex markup is 3.5%. Lounge visits in India: Unlimited (aggregator). Read from an aggregator, not the issuer on 11 Oct 2026.
- Annual fee
- Rs 2,75,000+ GST
- Fee waived at
- —
- Base return
- 1.5%
- Forex markup
- 3.5%
- Interest
- —
What changed on this card
- Amex India changes Membership Rewards and late fees from 15 Nov 2026
From 15 November 2026, Amex India keeps points separately per card, pauses points when a payment is overdue, ends the MRCC 50% fee waiver and bases late fees on the total due.
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Rs 7,00,000 |
|---|---|
| Annual feeunverified | Rs 2,75,000 |
| Fee notes | Rs 7,00,000 + GST joining and Rs 2,75,000 + GST annual, per two aggregators. Not on any public Amex India page. |
Rewards
| Reward currency | Membership Rewards points |
|---|---|
| Base earnunverified | 6 MR per Rs 200 (cardinsider); cardadvisor states 2 MR per Rs 100 |
| Base returnunverified | 1.5% |
| Point valueunverified | No issuer value published. Aggregator range Rs 0.25 (statement credit) to Rs 0.80 (Virgin Atlantic transfer). |
| Accelerated earnunverified | 60 MR per Rs 200 on ShopWise e-vouchers (Amex ShopWise T&C). Fuel: 4 extra MR per Rs 200 (cardinsider). |
| Capsunverified | Fuel bonus capped at 10,000 extra points per calendar month (cardinsider). ShopWise bonus MR capped at 25,000 per month. |
| Spends that earn nothingunverified | Conflicting: cardinsider says fuel, insurance and utilities earn; cardadvisor says they earn nothing |
| Points expiry | No expiry while the card is active |
| Reward notes | base_return_pct = 3 MR per Rs 100 x Rs 0.50 (Taj gift card rate shown on Amex Platinum benefit page, assumed to apply) = 1.5%. Treat as indicative only. |
Transfers
| Partnersunverified | Marriott Bonvoy, Hilton Honors, Virgin Atlantic Flying Club, Cathay Pacific Asia Miles, British Airways Executive Club (Avios), Qatar Airways Privilege Club, Singapore Airlines KrisFlyer |
|---|---|
| Ratiounverified | Marriott 1:1; Hilton 1,000 MR : 1,500; Virgin Atlantic 800 MR : 640; airlines 2 MR : 1 mile (enthusiast pages, Aug-Sep 2026) |
Travel and perks
| Domestic loungeunverified | Unlimited (aggregator) |
|---|---|
| International loungeunverified | Unlimited via Global Lounge Collection incl. Centurion Lounges and Priority Pass (aggregator) |
| Lounge conditions | Guest rules not found |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiverunverified | 0% convenience fee at HPCL (aggregator) |
| Other freebiesunverified | Dedicated relationship manager and concierge; Hilton Honors elite, Marriott Bonvoy Gold Elite, Radisson Rewards Premium, Hertz Gold Plus; Fine Hotels & Resorts; golf at 30+ Indian and 50+ international courses; EazyDiner Prime; travel and accident insurance (all aggregator) |
Charges and eligibility
| Cash advance feeunverified | 3.5% min Rs 250 (aggregator) |
|---|---|
| Eligibilityunverified | By invitation only. No published criteria; aggregators report it goes to long-tenured Platinum Charge holders with very high spend. |
| Fine-print notes | Charge card with no public Amex India product page. The only issuer document that names it is the ShopWise T&C. The two aggregators disagree on base earn and on fuel/insurance/utility earning. |
Questions
- What is the annual fee of the Amex Centurion Card?
- Rs 2,75,000 a year, before GST.
- Does the Amex Centurion Card give airport lounge access?
- Yes. In India: Unlimited (aggregator). Outside India: Unlimited via Global Lounge Collection incl. Centurion Lounges and Priority Pass (aggregator). Conditions: Guest rules not found
- What is the forex markup on the Amex Centurion Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Amex Centurion Card?
- Conflicting: cardinsider says fuel, insurance and utilities earn; cardadvisor says they earn nothing