Mobikwik Blue American Express Card Review

Mobikwik in partnership with American Express launched the Mobikwik Blue American Express card for select Mobikwik customers by mid August 2020, later extended to many others by late Nov 2020.

This is technically a prepaid card but in this case it works more like a debit card that’s linked to Mobikwik Wallet balance. That’s a good innovation for sure.

Application Process

It was issued to only a few by August 2020 when it got initially launched and I got it by then. From late nov, its given to everyone who did the KYC process with Mobikwik.

Virtual card got generated instantly and they don’t have any plan for sending physical card as per tnc.


mobikwik amex blue card benefits
  1. Every transaction with this card redeems 3% of value from supercash
  2. Every transaction earns 1% supercash to your wallet
  3. Merchant Offers

Max. cap of Rs.1000 per month applicable for redeeming Supercash. Apart from that, You might get a credit limit of 10K once spends through this card exceeds 10k via their Zip offer (buy now pay later).


  • To redeem 3% of transaction value from supercash, you have to apply the offer in the app under Rewards section of the card each time
  • Supercash concept itself is complicated (though much better now than its inaugural version)
  • Merchant offers with this card are limited at this point

Mobikwik-Amex History

Amex partnership with Mobikwik goes back to April 2015, when it bought a stake in it. Mobikwik was a brand name few years ago with generous cashbacks on adding money and recharge, until it started a new concept of providing supercash instead of cashbacks and very few of its existing customers liked its complexity and benefits.

Even after demonetization Mobikwik was unable to capture the digital boom thanks to its supercash concept whereas others like Paytm, Phonepe, Google pay thrived.

Being a shareholder of Mobikwik, this partnership should have come much earlier (though in its present form, it is unlikely to please its customers in a big way

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