Amex Insurance Offer: 10 Membership Rewards points for INR 100 spent through March 2022

American Express has been expanding the ambit of card acceptance over time in India. They have started the year 2022 with a bang. After perhaps a successful 2019, 2020 and 2021 with the Amex Insurance Payment offer, American Express has a new one on offer for 2022. Here are the details of the Amex Insurance Offer for those payments coming up towards insurance this quarter.

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Amex Insurance Offer: 10 Membership Rewards Points for every INR 100 spent

To promote their reach in the insurance segment, there is a new Amex Insurance Offer, offering bonus Membership Rewards points for paying Insurance expenses on their proprietary Charge Cards and Credit Cards between January 13, 2022, and March 31, 2022. One earns 10 Membership Rewards points per INR 100 spent on insurance with this promotion.

The promotion is targetted and wants cardmembers to enrol for the offer before making the payment. The interesting part is that Amex does not offer Membership Rewards points for insurance spending since 2014, but they will offer it this quarter. The minimum spend is 100 INR to get the offer. The following cards are being targetted:

  • American Express Platinum Card
  • American Express Platinum Reserve Credit Card
  • American Express Platinum Travel Credit Card
  • American Express Gold Card
  • American Express Membership Rewards Credit Card
  • American Express SmartEarn Credit Card

The maximum spends for the cards which earn 10 MR/INR 100 and hence this promotion seems to be capped at ₹ 100,000 Insurance Premium payments for all the cards listed above.

Membership Rewards points are being given under this offer and will not earn any regular points. After the offer ends, Cardmembers will stop getting any Membership Rewards Points on Insurance spends. The Bonus Membership Rewards Points will get credited to Cardmember’s account by April 30, 2022.

Only eligible transactions going through merchant platforms will be eligible for Membership Rewards Points. Transactions going through an aggregator (like Paypal, Paytm, PayU etc.) may not trigger Membership Rewards Points since it entirely depends upon how a merchant submits its transactions to American Express.


It is fantastic when you can earn miles for stuff you are already going to have to do, such as paying insurance. But when you get points to do that, it is all the more reason to do so. Amex is out there to get members to use their cards for more categories this year, which seems just the start.

Which American Express Card are you going to use this quarter to pay for your insurance?

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About Ajay

Ajay Awtaney is the Founder and Editor of Live From A Lounge (LFAL), a pioneering digital platform renowned for publishing news and views about aviation, hotels, passenger experience, loyalty programs, travel trends and frequent travel tips for the Global Indian. He is considered the Indian authority on business travel, luxury travel, frequent flyer miles, loyalty credit cards and travel for Indians around the globe. Ajay is a frequent contributor and commentator on the media as well, including ET Now, BBC, CNBC TV18, NDTV, Conde Nast Traveller and many other outlets.

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  1. I suspect to claim this offer, AMEX prefers to make payment directly in insurance portal/app rather any third-party.

    Moreover, buying Amazon voucher does this comes under reward multiplier; as per AMEX offer I have seen only Flipkart in this case

  2. How does one control the payment gateway. I did a transaction on Care Insurance website and it’s showing as billed on PayU! Does one necessarily need to do offline spends?

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