Any current best ways to achieve Amex MRCC 1500x4 transactions?

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Deal Cadet
AjgarJurraat

Any current best ways to achieve Amex MRCC 1500x4 transactions a month?

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Deal Cadet Deal Cadet
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I am also looking for the same ..

Post Emperor Post Emperor
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If you have NPS payment you can do that.

Insurance payments.

Buy vouchers from amex rewards multiplier.

If you don't have normal spends to cover these transactions then better close the card.

Its not worth the headache or paying wallet load chargers.

Deal Cadet Deal Cadet
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SnippierJoker wrote:

If you have NPS payment you can do that.

Insurance payments.

Buy vouchers from amex rewards multiplier.

If you don't have normal spends to cover these transactions then better close the card.

Its not worth the headache or paying wallet load chargers.



I haven't tried NPS from Amex...

Suppose I have to deposit 50K in NPS. Is it okay/possible to do 1500*3 + 45500 = 5000

effectively 4 txns like that?



Deal Cadet Deal Cadet
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SnippierJoker wrote:

If you have NPS payment you can do that.

Insurance payments.

Buy vouchers from amex rewards multiplier.

If you don't have normal spends to cover these transactions then better close the card.

Its not worth the headache or paying wallet load chargers.

I haven't tried voucher from amex multiplier. What are some best deals out there?
Post Emperor Post Emperor
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AjgarJurraat wrote:


I haven't tried NPS from Amex...

Suppose I have to deposit 50K in NPS. Is it okay/possible to do 1500*3 + 45500 = 5000

effectively 4 txns like that?



Why put all 50k in a month do 1500x4 =6000 for 8 months..

Post Emperor Post Emperor
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AjgarJurraat wrote:
I haven't tried voucher from amex multiplier. What are some best deals out there?

Sorry no idea about deals. I generally don't care for them.

I just buy Amazon vouchers from it and use it to buy  stuff or pay using Amazon pay where applicable. It gives 2x points on mmrc.

I don't even do that much, I just use my Amex directly at supermarkets to buy grocery.

Deal Cadet Deal Cadet
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SnippierJoker wrote:

Why put all 50k in a month do 1500x4 =6000 for 8 months..

Generally I fully pay my NPS in a single go and get off from the overhead.
Are you mentioning I keep on slowly pushing money in NPS via this trick?
Deal Cadet Deal Cadet
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SnippierJoker wrote:

Sorry no idea about deals. I generally don't care for them.

I just buy Amazon vouchers from it and use it to buy  stuff or pay using Amazon pay where applicable. It gives 2x points on mmrc.

I don't even do that much, I just use my Amex directly at supermarkets to buy grocery.

Can you explain the 2x points part via MRCC?
Post Emperor Post Emperor
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AjgarJurraat wrote:
Generally I fully pay my NPS in a single go and get off from the overhead.
Are you mentioning I keep on slowly pushing money in NPS via this trick?
It's totally upto you.
As there are not any other cheap ways to spend 1500x4 on Amex and if you don't really have any other way to spend on Amex then this is something that works for now and you can use this.
Deal Cadet Deal Cadet
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SnippierJoker wrote:

Sorry no idea about deals. I generally don't care for them.

I just buy Amazon vouchers from it and use it to buy  stuff or pay using Amazon pay where applicable. It gives 2x points on mmrc.

I don't even do that much, I just use my Amex directly at supermarkets to buy grocery.

I doubt any additional points are given for gv purchase thru rewars multiplier.

Deal Cadet Deal Cadet
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SnippierJoker wrote:

If you have NPS payment you can do that.

Insurance payments.

Buy vouchers from amex rewards multiplier.

If you don't have normal spends to cover these transactions then better close the card.

Its not worth the headache or paying wallet load chargers.

True.

It's not worth the headache in the current scenario given rp redemption takes 15-16 months time to earn for 18k milestone redmption at least. As well no option to load wallets without charges, in simple no easy ways to achieve 1500x4 unless certains spends are there every month where the card can be used.

Earlier it benefits were very lucrative but it's not the same now.

Post Emperor Post Emperor
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Hereforadeal wrote:

I doubt any additional points are given for gv purchase thru rewars multiplier.

You get 2x the normal points for MMRC card even on purchasing vouchers, I buy amazon pay vouchers every month from there and get 2x the normal points. 


American Express IN | Credit Cards, Rewards, Travel, Offers (gyftr.com)

mentioned in the page itself.

Post Emperor Post Emperor
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Hereforadeal wrote:

True.

It's not worth the headache in the current scenario given rp redemption takes 15-16 months time to earn for 18k milestone redmption at least. As well no option to load wallets without charges, in simple no easy ways to achieve 1500x4 unless certains spends are there every month where the card can be used.

Earlier it benefits were very lucrative but it's not the same now.

So one quick tip if people don't know-
If you got American Express SmartEarn Credit Card with MMRC as secondary card.

Use it to do wallet load of 2500/month + 66(paytm fee for credit card wallet load for me last month) you get 250 points (5x on Paytm wallet) and use those points to reach Gold collection early.
Also 10x on amazon, flipkart for upto 500points/month.

Its a must card to have with MMRC to reach milestone faster.
Deal Subedar Deal Subedar
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SnippierJoker wrote:
So one quick tip if people don't know-
If you got American Express SmartEarn Credit Card with MMRC as secondary card.

Use it to do wallet load of 2500/month + 66(paytm fee for credit card wallet load for me last month) you get 250 points (5x on Paytm wallet) and use those points to reach Gold collection early.
Also 10x on amazon, flipkart for upto 500points/month.

Its a must card to have with MMRC to reach milestone faster.
So, the reward points are per account rather than per card?
Post Emperor Post Emperor
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ChiruK wrote:
So, the reward points are per account rather than per card?
For me (MMRC and Smart earn credit card) points from both cards are grouped.
I have heard it is not grouped with Platinum travel cards anymore. So may be it is only applicable for some card combinations.
Deal Newbie Deal Newbie
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If you do not have HDFC Tata Neu Infinity card, use MRCC in Tata Neu app for bill payments. You can bundle bills together to reach 1500 mark. (ps: Infinity card already offers 5% for bill payments)


Deal Newbie Deal Newbie
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SnippierJoker wrote:

If you have NPS payment you can do that.

Insurance payments.

Buy vouchers from amex rewards multiplier.

If you don't have normal spends to cover these transactions then better close the card.

Its not worth the headache or paying wallet load chargers.

Isn't nps via credit card charged at 0.9% plus gst?
Post Emperor Post Emperor
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imshilpashah335 wrote:
Isn't nps via credit card charged at 0.9% plus gst?
Yes, there is a charge to use credit card for NPS, so people should see their card reward earned to see if it is worth paying using credit card.
Deal Newbie Deal Newbie
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SnippierJoker wrote:
Yes, there is a charge to use credit card for NPS, so people should see their card reward earned to see if it is worth paying using credit card.

noted.. In mrcc, for 6k transaction, the charges will be around 65 whereas the reward will be around 350₹ for 1000 bonus points

Deal Cadet Deal Cadet
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does nps site allow to use amex cc ?

Cool Cool
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Do we get reward points if we load paytm wallet using mrcc cards?

Cool Cool
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Rajkotian wrote:

Yes

Okayy
Thanks for clarifying!!
I will load into paytm from amex and will pay other card bill, reward points will be more than transaction fee
Analyst Analyst
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SnippierJoker wrote:
So one quick tip if people don't know-
If you got American Express SmartEarn Credit Card with MMRC as secondary card.

Use it to do wallet load of 2500/month + 66(paytm fee for credit card wallet load for me last month) you get 250 points (5x on Paytm wallet) and use those points to reach Gold collection early.
Also 10x on amazon, flipkart for upto 500points/month.

Its a must card to have with MMRC to reach milestone faster.

Buddy, will the SmartEarn card when applied as a companion card on top of MRCC, share the same credit account in CIBIL ? Or is there a separate entry for this companion card in CIBIL report ?

Post Emperor Post Emperor
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BlueFlash wrote:
Buddy, Will the SmartEarn card when applied as a companion card on top of MRCC, will share the same credit account in CIBIL ? Or is there a separate entry for this companion card in CIBIL report ?
There are 2 different entries in my credit report for Amex,1 for each card.
Also the cards have their own credit limit and billing date.
Deal Cadet Deal Cadet
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SnippierJoker wrote:

If you have NPS payment you can do that.

Insurance payments.

Buy vouchers from amex rewards multiplier.

If you don't have normal spends to cover these transactions then better close the card.

Its not worth the headache or paying wallet load chargers.

Agree this is very good card for NPS. i also do the same. Note NPS transactions doesnt earn any reward points but this helps to earn bonus reward points.
Deal Cadet Deal Cadet
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SnippierJoker wrote:

Why put all 50k in a month do 1500x4 =6000 for 8 months..

@SnippierJoker @MaxiDisc

just got to know 0.9%+gst is levied on total txn amt for NPS. Bonus points are issued ..but no reward point for actual txn amt... Right?

then I still think it's better to use amex mrcc for NPS payments.
Post Emperor Post Emperor
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AjgarJurraat wrote:
@SnippierJoker @MaxiDisc

just got to know 0.9%+gst is levied on total txn amt for NPS. Bonus points are issued ..but no reward point for actual txn amt... Right?

then I still think it's better to use amex mrcc for NPS payments.
yes, there is no regular reward points for nps, it just adds up to the milestone reward.
Which is still fine for someone who invests in nps and does not have any other wat to spend on MMRC.
I only use mmrc for nps when there are spend based offers, as I can easily hit mmrc monthly milestone with my normal spendings.
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