American Express Membership Rewards Card vs Union Bank Visa Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
American Express Membership Rewards Card wins 3 of 8 dimensions with a CardTrail Score of 8.0/10 vs 7.1/10.
American Express Membership Rewards Card
American Express
8.0/10
Union Bank Visa Signature
Union Bank
7.1/10| Feature | American Express Membership Rewards Card | Union Bank Visa Signature |
|---|---|---|
| CardTrail Score | 8.0/10 | 7.1/10 |
| Annual Fee | ₹4,500 | ₹250 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 5% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 2 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa Signature |
When to Choose American Express Membership Rewards Card
- You can meet the fee waiver condition: Spend ₹1.5L in first 90 days for first year
- You want higher rewards — up to 5% vs 2%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: general, amex-ecosystem
When to Choose Union Bank Visa Signature
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: general, rewards
Annual Fee Value Analysis
To break even on American Express Membership Rewards Card's ₹4,500 fee at 0.5% rewards, spend ₹75,000/month.
To break even on Union Bank Visa Signature's ₹250 fee at 0.5% rewards, spend ₹4,167/month.