American Express India moves to a new platform on 15 November 2026 — Membership Rewards points will be tracked separately for each basic card instead of pooled, the Membership Rewards Credit Card’s 50% fee waiver on ₹90,000 spend ends, and new supplementary and account card applications are paused.
Offer Details / Changes
- Points maintained separately per basic card — no automatic pooling, and points can’t be moved freely between cards
- Spend milestones tracked by transaction posting date (not swipe date); milestone bonuses and vouchers awarded at month-end
- Earning and redeeming pause if a payment is overdue at the next statement, and resume once paid
- Membership Rewards Credit Card: 50% annual fee waiver on ₹90,000 spend ends
- Ace by Times Prime complimentary membership ends for Centurion and Platinum (existing enrolments run till expiry)
- Late payment fee now based on Total Amount Due (₹500–₹1,250)
- Payments made after 9 PM reflect the next day
- New supplementary and account card applications paused
Eligible Cards / Who Can Avail
- All American Express India cards; specific changes apply to Platinum, Platinum Reserve, Platinum Travel, Gold, Membership Rewards Credit Card, SmartEarn and Centurion
Benefits
- Redeem points directly in the app and website, including against your card balance
- New Membership tab for hotel memberships, lounge locator, travel bookings and offers
- Real-time card controls for international and online transactions, freeze/unfreeze, and digital disputes and refund requests
- Platinum renewal benefit continues when the spend criteria and fee are met
How to Claim / Steps
- Update contact details, PINs and transaction settings before 11 November (these are restricted 11–16 November)
- After the switch, reset your password and set up a 4-digit Personal Security Key (PSK)
- Check each card’s separate points balance once it shows up
- Multi-card holders: plan redemptions or transfers before pooling ends
Validity / Important Notes
- Effective 15 November 2026
- Expect service disruptions 11–18 November (EMI, some digital services, statement delays); no late fees from these delays
- Point values and core redemption options stay the same
- Related: the MR segregation date move — Amex Membership Rewards Segregation Pushed from 11 Oct to 15 Nov — and the expected reopening of Platinum applications — Amex Platinum Reserve and Platinum Charge Applications Expected to Reopen Mid-November
Amex cardholders — which change hits you hardest: the end of pooling or the MRCC fee waiver? Share below.