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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 09/05/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 09/05/2021

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :09/05/2021

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :09/05/2021

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Updated: 06-05-2021 07:03:12 AM

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the Citibank website.

Citibank Prestige Credit Card is the flagship card being offered by the bank. The card offers reward points which can be converted into Air Miles. It offers double the number of Airmiles as compared to Citi PremierMiles Credit Card, another premium card offered by Citi bank. As a customer you will never be at a loss for redemption offers as the card provides a vast array of redemption partners and loyalty programs. Key features and other details of the card are given below.

Key Highlights of Citibank Prestige Credit Card

  • 2,500 reward points (equal to 10,000 air miles) & vouchers worth Rs 10,000 from Taj or ITC hotels every year
  • Free unlimited lounge access to Priority Pass lounges for primary & add-on cardholders
  • Airport Assistance and Limousine Service
  • 1 Reward Point per Rs. 100 spent domestically
  • 2x rewards on international spends
  • 1 Reward Point = 4 Airmiles / Re. 1 / 1 Taj Inner Circle point
  • Reward Points can be redeemed against hotel partners
  • Reward Points do not expire
  • 20% off across partner restaurants
  • Free 4th night stay and other benefits
  • Epicure Plan of Taj InnerCircle membership
  • 4 free golf rounds at select golf courses
  • Access exclusive events and experiences worldwide
  • Complimentary Overseas Medical Insurance worth USD 50,000
  • Lost Card Protection of Rs. 10 lakhs
  • Personal Accident Insurance Cover of Rs. 5 crore

Similar Cards | Fees | Eligibility | Apply | FAQs

Read Review of Citibank Prestige Credit Card

Citibank Prestige Credit Card – Features & Benefits
Citibank Prestige Credit Card – Fees and Charges
Citibank Prestige Credit Card – Eligibility Criteria & Documents Required
How to Apply for Citibank Prestige Credit Card
Cards Similar to Citibank Prestige Credit Card
Citibank Prestige Credit Card – FAQs

Citibank Prestige Credit Card – Features & Benefits

Annual Welcome Benefits –

  • You will get 2,500 reward points (equal to 10,000 air miles) within 60 days from the first transaction in a membership year
  • Vouchers worth Rs 10,000 from Taj Group or ITC Hotels on making the first transaction every year.

Lounge Access – Free unlimited lounge access to Priority Pass lounges for primary & add-on cardholders.

Airport Meet & Greet Service – Dedicated escorts that guide you through all aspects of the arrival, connecting or departure process. Select airports get faster processing through security and immigration processes. Also, get limousine services to and from the airport.

Hotel Offers – 4th night Free Program at Select Hotels. Complimentary benefit can be used twice per annum.

Taj InnerCircle Epicure Plan – Free membership to Taj InnerCircle Epicure Plan upon registering through Citi Prestige Concierge. Avail discounts and much more through membership

Golf Offers – 4 complimentary rounds of golf as Green Fee players and 4 complimentary golf lessons in one year for self and any one other Guest hosted at specified locations on Weekdays & Weekends / Holidays

Events – Access to events like touring wine country or to exclusive shows of the year.

Rewards Program – Features of the program are:

  • 1 Reward Point per Rs. 100 spent domestically
  • 2 Rewards Points per Rs. 100 spent internationally
  • 1 Reward Point = 4 Airmiles / Re. 1 / 1 Taj Inner Circle point
  • Bonus points for Citi Priority, Citigold and Citigold Private Client customers who have the card and meet the Net Relationship Value criteria (NRV)
  • Reward Points do not expire

The minimum NRV Criteria and the additional reward points that can be garnered are:

SegmentMinimum NRV ThresholdAdditional rewards points
Citi PriorityRs 15 lakhs15% of the net reward points earned in a statement month
CitigoldRs 75 lakhs30% of the net reward points earned in a statement month
Citi Private ClientRs 7.5 crore50% of the net reward points earned in a statement month

Concierge Service – Avail concierge services to make travel-related bookings, gift deliveries and more.

Know More about Concierge Services and why you should avail it by clicking here.

Insurance Coverage – The coverage provided are:

CoverageAmount
Overseas Medical InsuranceUSD 50,000
Air Accident InsuranceRs. 5 crore
Fraud ProtectionRs. 10 lakh

Citibank Prestige Credit Card – Fees and Charges

ParticularsAmount
Annual FeeRs. 20,000
Cash advance fees2.0% of the amount, Min. Rs 300
Late payment charges
  • NIL for statement balance up to Rs. 2,000
  • Rs.100 for statement balance above Rs. 2,000
Foreign Currency Transactions3.5% of the Amount
Reissue of lost, stolen or damaged cardNil
Railway ticket booking surcharge1.8% of the transaction value
Fuel transaction charge1% of the amount/Min. Rs.10.

Waived at Indian Oil Corporation outlets

Over-limit Charges2.5% of the amount/Min. Rs. 500.
Finance Charges3.75% p.m. (45% p.a.)

Suggested Read: Credit Card Fees and Charges You Must Be Aware Of

Citibank Prestige Credit Card – Eligibility Criteria & Documents Required

To be eligible for Citibank Prestige Credit Card you must have a good credit score, over 750 and meet the following eligibility criteria:

CriteriaDetails
Age23-60 years
OccupationSalaried
Minimum IncomeDisclosed after showing intent to apply
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here to see the list of acceptable documents

How to Apply for Citibank Prestige Credit Card

Citibank Prestige Credit Card is currently not being provided by us. You may, however, check your eligibility for other premium cards like HDFC Regalia, Diners Club Black credit card and so on by clicking here.

You can apply for the Citibank Prestige Credit Card by visiting the Citibank website.

Cards Similar to Citibank Prestige Credit Card

Credit CardAnnual FeeComparative Feature
HDFC Diners Club Black Credit CardRs. 10,000
  • 1 Reward Point = 1 Airmile
  • Earn 5 Reward Point per Rs. 150 spent
Axis Bank Vistara Signature Credit CardRs. 1,500Earn  4 Club Vistara Points for every Rs. 200 spent
Axis Bank Vistara Infinite Credit CardRs. 10,0006 Club Vistara points per Rs. 200 spent
Air India SBI Platinum Credit CardRs. 1,499
  • Earn 2 reward points on every Rs. 100 spent
  • Convert into Air India Airmiles
Axis Bank Vistara Signature Credit CardRs. 3,0004 Club Vistara points per Rs. 200 spent
Explore Other Credit Cards from Citibank

Citibank Prestige Credit Card – FAQs

Does the card support contactless Payment?
Yes, you can pay bills up to Rs. 2,000 without having to provide PIN. Simply tap your card on a contactless payment enabled POS machine to complete a transaction.

What is the Citi Prestige Service desk number?
The toll free numbers for Citi Prestige Service desk are +91-22-49181050 & 1-800-419-1050.

Are fraudulent transactions that were validated using a PIN covered under Lost Card Protection facility?
No, if a transaction was validated using Credit Card PIN then you will not get a refund on the transacted amount even if it was not done by you.

How can I claim the lost card protection facility on the credit card?
The claim procedure for lost card protection facility involves the submission of all necessary documents like dispute form, police compliant, FIR copy, Passport copy, etc. with the bank within 30 days of the disputed transaction.

Afterwards, the primary cardholder must report the fraudulent transaction by calling the Citi Prestige service line at +91-22-49181050 or 1-800-419-1050.

What is the contact number for Citibank credit card customer care centre?
The Citibank credit card customer care number is 1860 210 2484 when calling from India. When calling from overseas call on the number +91 22 4955 2484.

For Citibank Credit Card Terms and Conditions, refer to this link.

American Express®® Credit Card
(4.1/5 ) 29460 Reviews
Write a review
Mar 9, 2020
5/5
EXCELLENT

Membership rewards card is the best card compared to any card of any other bank. I mean which bank gives you 1000 points by just making 4 transactions in 1 calender month ...? none amex roxx and the cx care is next level no other bank is even 10% of amex cx care ......without thinking twice just go for it

Jan 13, 2020
2/5
Very Basic Card

No extra rewards or benefits. Only basic features. Could have been better.

Jan 13, 2020
4/5
Liked it

SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!

Jan 3, 2020
4/5
Low Annual Fee

The only credit card from American Express that comes with low Annual fee of Rs. 495 but offers amazing list of cashbacks and rewards that make it worth having

Jan 3, 2020
5/5
A perfect travel card

My job keeps me on my toes with frequent travels, thanks for American Express Platinum Travel Credit Card I get to enjoy lounge access on the days when my flights are painfully delayed

Jan 3, 2020
4/5
Good for rewards

Ever since i have got this card my spending have become rewarding with amazing rewards program that Amex membership rewards card offers.

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