How to maximize benefits from AMEX MRCC?
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Dear dimers,
How u all are managing Amex MRCC to get 24K points 
in a year? I am 3 month holder of MRCC card, all I can see that I can get hardly achieve maximum 18K points (i.e. 1K monthly bonus x 12 = 12K points + probably monthly > 20K transactions 3 times in year = 3K points + Miscellaneous 3K points for overall spend).
I use Amex for loading Paytm wallet twice in a month and other two just to complete the monthly target. (less rewarding & paytm took Rs 1540.78 for adding 1500 
). I guess many dimers do the same.
I purchase through Amazon using Amazon pay & Flipkart using FK axis, hardly from others. Whether purchasing through AZ & FK (5K-10K transaction) using Amex reward multiplier is more rewarding or less.
Electricity bill payment is also less rewarding in Amex. I guess same for Insurance payment also (FK gives 1.5%)
So where to use the AMEX card?
Please share the PRO tips, it will certainly help the other fellow dimers.
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What is ideal amount that we can rotate from CC to bank in a year?
Earlier I used to do it in Paytm for 4 transactions..
Now they are charging 3% percentage..
So I switched to PhonePe and use that amount for Petrol..Each month we can load 10K in PP wallet for KYC user..
but how I can use phonePe over petrol bunks. transactio form phonePe wallet over petrol is not possible.
@golden guardian
You are doing all wrong for amex mrcc (best card in world)
1. You sud had my referral that way You wud had got joining bonus points and first year free
2. For loading into paytm add from zomato/uber app and avoid fees
3. For spending on fk and amazon use amex smartearn card which either get thru as free companion card or again ping me for referral for having it as first year free and have 10x on flipkart(17.5%discount ) and 5x on amazon(8.75%)
4.amex is running 5x for utility bill payment (maybe accoutn specific
5. Then there is money rotation but it may risk your card to be blocked so use it as last resort only
6. If you use brain and do not wonder why this si the best card
7.thank me later
Why Thank u later? I am thanking u now 
I need to know the insights thats why I had put this thread to know where I am wrong.
1. I have joined through someone referral so I had availed the joining bonus.
2. I don’t know about it, thanks for telling
3. I am now in 3rd month of MRCC, I feel trapped in MRCC, I don’t want another Amex card.
4. No offer for me for utility & insurance payment.
5. No money rotation
6. For this reason, I have created the post to best brains in desidime to enlighten me.
I got my MRCC upgraded to LTF, now just have to do those 4 transactions (1500 each from this month) to get 1 k bonus points which i mainly add on mobikwik or paytm
How to get it ltf??
Where did you get the idea that people get 24K RP in a year? And to label it as the best card one must accumulate 24K RP in a year?
I was able to earn 20k Reward Points in the Last year on my Amex MRCC. I do not get charged any annual fees but do get 3k reward points for renewal every year, in addition got 12k points from the 4*1000 transactions every month and earned the remaining points through random spends and Special Reward multiplier offers. Overall would’ve only spent maximum 2L on this card last year.
Keep Amex for its dining offers, for using on shady sites (best charge-back support), as a back up in case visa/mc fails (only twice it happened in 3 years), never expiring reward points if u want to but it’s definitely not for every day use. It would serve u well if u live in a metro & usually visit places where this is accepted.
I personally use it with mobikwik and then use mobikwik for further shopping and bill payments.
Just few pointers (no shady stuff):
Add to MobiKwik 1.5k * 3.
Use MobiKwik Amex card for 2% extra off. MobiKwik up to 5k from cc is free.
Add the remaining 1.5k to Amazon Pay or whichever wallet you use most. Maybe if you have an Amex addon card then to another MobiKwik account.
Look for insurance, utility, amazon, Flipkart and other offers which Amex keeps running from time to time. We do get 10% off of Amazon and FLIPKART gift cards this way as nothing gets excluded.
Also Amazon pay might be your next bank for everything. Say google play card which even works for YouTube subscription or getting a bigbasket gift card at a discount, LIC, Health insurance like Lombard etc Amazon is always available. I have even used it to pay for an AMC renewal. Basically make a practice to look for amazon wallet whatever you pay for. So if you put an wise amount of money in APay from Amex if might be helpful.
* Call Amex and disable int txns before this, as we know MobiKwik is risky, though Amex maybe the safest card to be used on MobiKwik as you can chargeback easier on Amex.
Is disabling int txn on amex possible ? Has anyone did that? How?
From April 2021, I stopped using MRCC,, Due to revamped reward earning policies.. it was worth when 1kx4 transaction earns 1000 reward points.. now it became like another card in my wallet..
I used to load 4*1K from MRCC and 6*1K for gold CC in paytm using uber, now it will be 4*1.5K for MRCC in total of spending 12K per month and 144000 per year to achieve 24K milestone. But usually I am redeeming 7K amazon voucher for 18K points and selling at 2% discount.
Does amex allow combining bonus points on two different cards like gold & mrcc even if for same person?
i was using mobikw***k for so long for getting 18k points for so long,but stopped after their hack using my AMEX
Increasing 1k to 1.5k by 50% is not at all reasonable, let us all drop a mail to Amex CC, so that they may take back from next month. It’s the unity that gives us upper hand. I am sending a mail, hope rest of you will follow.
Moreover, with many expectations we have taken this card but if those won’t fulfill then what is the use. Out of all cards Amex is having many conditions which makes card worthless. Only relief is they allow to load wallets which may soon withdrawn.
what is benefit of using referral vs direct applicattion?
Lower annual fee, First year free and bonus points on spend targets.
For additional benefits, pm me.
I am trying to pay car insurance premium of 4715 through Acko using Amazon pay. But amazon pay through Amex CC is not showing. All other CC’s and DC’s are showing. Tried in my 2 prime accounts, same problem. Any one knows why?
Just add Amazon gc and pay?
Whether add money to wallet option still available, if yes tell me which apps are best. And also easiest way to spend 20K.
buy amazon gvs through amex reward multiplier and sell in trading section if you can’t use it for yourself.
Now AmaonPay does not allow loading money via any credit card.
Only those who genuinely spend 3-4 lakh+ on amex or those who do “money rotation”(depends on your luck how long you can get away with it) manage to get max benefits from amex mrcc.
@demerius2020