HDFC Bank× Tata NeuRuPay · UPI
Tata Neu Plus HDFC Bank
Net savings₹3,876/yr
Savings rate1.0%
Annual feeWaived ₹589
Lounge✈4 dom
✓ Base rate 1% on other spends earns you about ₹2,426 a year on ₹2,42,640 of spend.
American Express · American Express · lounge inventory reviewed 2026-09-16
American Express Membership Rewards (MRCC) lounge access: airports, terminals and rules
Bonus-points card: 2,000 monthly bonus points for ₹20k spend and 4 transactions.
American Express Membership Rewards (MRCC) lounge access: none – this card carries no complimentary domestic or international lounge visits. Similar cards with lounges: Tata Neu Plus HDFC Bank, Altura Plus, MY ZONE.
DomesticNoneno spend condition
InternationalNoneno international visits
ProgrammeNone
CardFull review, score & fees →₹5,310 incl. GST
Alternatives with lounge access
AU Small Finance BankVisa
Altura Plus
Net savings₹2,160/yr
Savings rate0.7%
Annual feeWaived ₹589
Lounge✈4 dom
✓ 2% on grocery, dining, department stores earns you about ₹1,200 a year on ₹85,440 of…
Lounge lists change; the operator page or app is the final word. Cards with no spend condition → · Lounge Finder by airport →
Frequently asked questions
Does the Membership Rewards (MRCC) give airport lounge access?
American Express Membership Rewards (MRCC) lounge access: none – this card carries no complimentary domestic or international lounge visits. Similar cards with lounges: Tata Neu Plus HDFC Bank, Altura Plus, MY ZONE.
How many lounge visits does the Membership Rewards (MRCC) give?
None.
How do I use the lounge?
Since September 2025 domestic entry is validated in the issuing bank's app or the operator's app (Encalm HOI at Delhi and Hyderabad, Adani LoungeOne at Adani airports); carry the card and a same-day boarding pass. International lounges use Priority Pass, Diners Club or Amex programmes.