Amex Charged me Fee on the charge card!

100°
Deal Cadet
sobirvs

So, I have Amex chargecard. I have spent around 2.3L on the card for this annual (Dec’19-20). I thought they won’t charge a fee as looking at my spending which obviously acc to me is quite good.

I checked my statement and called them and they transferred me to fee waiver dept. This might be the worst ever service I have ever gotten from Amex. So the guy said 2 things he can do for me :

1. > Waive off 75% fee with GST. No actions needed.
2. > Waive off 100% fee with GST if I spend 60k on my card within 3 months.

After talking and arguing so much considering I use the card often and very nicely with meeting target’s, he still didn’t budge so I opted for 1st option. I could have gone for 2nd option but my spending usually is alot around Diwali time which is not gonna come anytime soon so wasn’t sure. This might have been the worst customer service I have gotten from Amex since last 3 years.

24 Comments  |  
13 Dimers
  • Sort By
Deal Cadet Deal Cadet
Link Copied

Charge card was never free and always had a fee of 4.5k + taxes.

You can consider getting the mrcc on it for free if that offer is available. With 4 transactions every month for 1K you will get 12K on it by year end, which can very well set off the full fee

Deal Cadet Deal Cadet
Link Copied

you could have opt for both. i had faced similar issue. i got 75% instant waiver and remaining upon reaching the target.
and if at all u had any insurance or investment opportunity in next 3 months, you would reach 60k target. plus that spend will also count towards your next years spend basedd waiver.

Analyst Analyst
Link Copied

Did they mention any expected spends for100% wavier without these targets in the first place?

Deal Cadet Deal Cadet
Link Copied

@sobirvs same thing happend to me 3 months back they said charge card is a premium card and can not be made free.. as u have already paid the fee use it for an year and switch to Mrcc before your next billing cycle

Deal Cadet Deal Cadet
Link Copied

it depends on your account history and so on . I am holding platinum travel card and gold charge card, they have taken 10000 points to compensate fee for platinum travel card. For gold charge card they have given the full waiver.
Yearly spends on platinum travel card around 4.5 lakhs, Gold charge card around 30k.
However last 2 years i spent more than 10 lakhs on gold charge card and similar amount on platinum travel card.
Usually they give full waiver if you spend more than 4 lakhs on gold charge card, However these policies change every year with amex.

Pro Shopping Friend Pro Shopping Friend
Link Copied
and987 wrote:

it depends on your account history and so on . I am holding platinum travel card and gold charge card, they have taken 10000 points to compensate fee for platinum travel card. For gold charge card they have given the full waiver.
Yearly spends on platinum travel card around 4.5 lakhs, Gold charge card around 30k.
However last 2 years i spent more than 10 lakhs on gold charge card and similar amount on platinum travel card.
Usually they give full waiver if you spend more than 4 lakhs on gold charge card, However these policies change every year with amex.

10lacs is huge amount – you could have gone for much better card like Axis FK, SBI Simply Click, IndusInd Pinnacle or premium cards HDFC DCB..
How gold charge is beneficial?
PlatinumTravel beyond usage beyond 4lacs gives no benefits

Shopping Friend Shopping Friend
Link Copied
MrKool_JJ wrote:

@adrishya please help him if you can smile

Those are the standard options given by amex for charge waiver. Nothing to be done here. Op has ro decide to opt for either of the options sweat_smile

Deal Cadet Deal Cadet
Link Copied
Expand
caks2006407 wrote:

10lacs is huge amount – you could have gone for much better card like Axis FK, SBI Simply Click, IndusInd Pinnacle or premium cards HDFC DCB..
How gold charge is beneficial?
PlatinumTravel beyond usage beyond 4lacs gives no benefits

spend based offers, i used to get with gold charge card. Same the case with platinum travel card.
used to be around 5 lakhs a year spends on gold charge card, and never paid annual charges .
Same the case with platinum travel card, never paid annual charges except this year.
This year my spends are less due to DCB card which i got last year and covid.

Deal Cadet Deal Cadet
Link Copied

Citi rewards card charged me membership fee of 1000 + gst for period dec 2019 to nov 2020 period …due date is jan13.2021.. is there any way to avoid paying this..i am not even interested in continuing this card . Want to close this. Pls help

Deal Subedar Deal Subedar
Link Copied
and987 wrote:

it depends on your account history and so on . I am holding platinum travel card and gold charge card, they have taken 10000 points to compensate fee for platinum travel card. For gold charge card they have given the full waiver.
Yearly spends on platinum travel card around 4.5 lakhs, Gold charge card around 30k.
However last 2 years i spent more than 10 lakhs on gold charge card and similar amount on platinum travel card.
Usually they give full waiver if you spend more than 4 lakhs on gold charge card, However these policies change every year with amex.

did they offer you any spend based offer for waiving off the full fee?

Deal Captain Deal Captain
Link Copied
baaz4u2007 wrote:

Citi rewards card charged me membership fee of 1000 + gst for period dec 2019 to nov 2020 period …due date is jan13.2021.. is there any way to avoid paying this..i am not even interested in continuing this card . Want to close this. Pls help

Citi usually don’t waive off charges. if you are not using much better close it as there are not much offers on Citi except on few occasions which is rare in an year.

Deal Cadet Deal Cadet
Link Copied
Expand
chai_lover wrote:

did they offer you any spend based offer for waiving off the full fee?

nope, No conditions attached.

Deal Subedar Deal Subedar
Link Copied
Expand
and987 wrote:

nope, No conditions attached.

i meant did they offer you any spend based offer rather than using the points? As 10K points is not a small amount.
Deal Cadet Deal Cadet
Link Copied
Expand
chai_lover wrote:
i meant did they offer you any spend based offer rather than using the points? As 10K points is not a small amount.

No they did not give any other options , 10000 points for 5000 plus GST.

Deal Cadet Deal Cadet
Link Copied
niggabecool wrote:

Charge card was never free and always had a fee of 4.5k + taxes.

You can consider getting the mrcc on it for free if that offer is available. With 4 transactions every month for 1K you will get 12K on it by year end, which can very well set off the full fee

I have MRCC as a companion (free) card that goes along with Charge Gold card. Basically as long as I have charge card, I can use MRCC for free.

Deal Cadet Deal Cadet
Link Copied
Tjs15 wrote:

you could have opt for both. i had faced similar issue. i got 75% instant waiver and remaining upon reaching the target.
and if at all u had any insurance or investment opportunity in next 3 months, you would reach 60k target. plus that spend will also count towards your next years spend basedd waiver.

The guy said I can’t opt for both schemes. Either I can go for 75% waiver or I can go for 100% waiver with 60k spending’s.

Deal Cadet Deal Cadet
Link Copied
andromeda wrote:

Did they mention any expected spends for100% wavier without these targets in the first place?

Nope. Basically you use the card for a year and then call in and ask and hope that their system gives you best options. There is no criteria. It’s a blind luck game.

Deal Cadet Deal Cadet
Link Copied
ddstar wrote:

@sobirvs same thing happend to me 3 months back they said charge card is a premium card and can not be made free.. as u have already paid the fee use it for an year and switch to Mrcc before your next billing cycle

I already have MRCC as I have said above bro

Deal Cadet Deal Cadet
Link Copied
and987 wrote:

it depends on your account history and so on . I am holding platinum travel card and gold charge card, they have taken 10000 points to compensate fee for platinum travel card. For gold charge card they have given the full waiver.
Yearly spends on platinum travel card around 4.5 lakhs, Gold charge card around 30k.
However last 2 years i spent more than 10 lakhs on gold charge card and similar amount on platinum travel card.
Usually they give full waiver if you spend more than 4 lakhs on gold charge card, However these policies change every year with amex.

exactly they change policy as to whatever they want. Taking points to compensate fee is pathetic on their part

Deal Cadet Deal Cadet
Link Copied
Expand
sobirvs wrote:

The guy said I can’t opt for both schemes. Either I can go for 75% waiver or I can go for 100% waiver with 60k spending’s.

Try calling again, these might not be system generated options, these executives must be informed about these options. Now since you already have received 75%, ask them if there’s any way you can get remaining amount waived.

Deal Lieutenant Deal Lieutenant
Link Copied
Expand
sobirvs wrote:

exactly they change policy as to whatever they want. Taking points to compensate fee is pathetic on their part

They are not forcing u..You are always free to pay fees and they clearly informed about fees before issuing card..isn’t it ?

Deal Cadet Deal Cadet
Link Copied
Expand
nomag wrote:

They are not forcing u..You are always free to pay fees and they clearly informed about fees before issuing card..isn’t it ?

Yes they did, but interesting I already had MRCC card when a sales rep from Amex called and said he can get me gold charge card for just joining fees and no annual fees if I use my card for 1.5L. That’s what he said.

Deal Lieutenant Deal Lieutenant
Link Copied
Expand
sobirvs wrote:

Yes they did, but interesting I already had MRCC card when a sales rep from Amex called and said he can get me gold charge card for just joining fees and no annual fees if I use my card for 1.5L. That’s what he said.

sales rep can not be trusted at all..always ask for written statement from official email id

Missing