Isn't Amex MRCC one of the most rewarding credit card for a medium level spender?

Thanks for the detailed post. Finally someone clearly explained how to make optimum use of MRCC. Had never bothered to get an Amex card as reward system seemed too complex.

Can you provide a comparison of returns of this card with Gold Charge and Platinum Travel (including 4L milestone benefits)?

would be it better to buy Amazon GV from smartbuy thorugh HDFC CC ?
It gives 5% cashback credit in bill.

and when you but anything through Amazon GV, you will not get any card offer running.

Generally i purchase Amazon GV for bill payment and smartbuy purchase for any item order. so in both i get 5% cashback in bill credit.

and now it is very difficult to reach 18k points in Amex.

Wow, nicely posted. I will try to get one once ban is lifted

I am also waiting for RBI to lift Amex ban.
Any idea when they’ll lift it?
What are the chances of card approval?🤔

xxxyyyzzz wrote:

I am also waiting for RBI to lift Amex ban.
Any idea when they’ll lift it?
What are the chances of card approval?🤔

Chances of card approval are pretty good for smartearn and mrcc cards

YES , also add 24×7 customer care support voice+chat , and they are the best voice , i like there waiting tune even
also they dont make bitchy term condition like no wallet support or anything,

only drawbacck i think is no lounge access and some shop dont have support, keep a rupay platinum debit card and paytm/upi or some other for it

mango-man wrote:

Thanks for the detailed post. Finally someone clearly explained how to make optimum use of MRCC. Had never bothered to get an Amex card as reward system seemed too complex.

Can you provide a comparison of returns of this card with Gold Charge and Platinum Travel (including 4L milestone benefits)?

To be honest, I don’t have the right knowledge to compare Platinum Travel with MRCC as it is more of a travel segment oriented card which I never explored.
for Gold Charge card I guess the main difference comes as you don’t have to bother much about the limit and rest of the features is almost similar except gold card being 5x via reward multiplier and 20000 monthly spend reward being not available in gold card

xxxyyyzzz wrote:

I am also waiting for RBI to lift Amex ban.
Any idea when they’ll lift it?
What are the chances of card approval?🤔

No idea by when the ban would be lifted.
Chances of card approval is pretty much higher if you are in one of their Serviceable cities

Par_ wrote:

would be it better to buy Amazon GV from smartbuy thorugh HDFC CC ?
It gives 5% cashback credit in bill.

and when you but anything through Amazon GV, you will not get any card offer running.

Generally i purchase Amazon GV for bill payment and smartbuy purchase for any item order. so in both i get 5% cashback in bill credit.

and now it is very difficult to reach 18k points in Amex.

Yes, Amex also runs 10x, 15x offers frequently mainly during festival time and when some big sales are available.
Would also get decent offers time to time like the ones I mentioned above 10% cashback on Amazon , Flipkart etc and cashback would be credited within 5 days.
I am also using a HDFC CC as well, based on my spends I found MRCC was more rewarding than the former, it would absolutely differ from person to person as spend patterns would differ

“when you but anything through Amazon GV, you will not get any card offer running” – True, but the voucher which we accumulated is already a discounted one and can mainly use to pay bills, insurance premium etc

18k points can be achieved in a minimum of 14 months based on a normal usage

IamRage wrote:

No idea by when the ban would be lifted.
Chances of card approval is pretty much higher if you are in one of their Serviceable cities

Yes, i live in serviceable location. Will apply day 1 when ban lifted

is 2x rewards applicable on gv?

NewLife wrote:

is 2x rewards applicable on gv?

Yes when you buy thru their gytr portal
gyftr . com / amexrewardmultiplier
also the extra points would get credited mostly in very next day or two

demerius2020 wrote:
YES , also add 24x7 customer care support voice+chat , and they are the best voice , i like there waiting tune even also they dont make bitchy term condition like no wallet support or anything, only drawbacck i think is no lounge access and some shop dont have support, keep a rupay platinum debit card and paytm/upi or some other for it

abhishek012 wrote:

Amex & RuPay should launch co-badged credit cards or Dual EMV chip credit card like Union bank card -

One side card will work on Amex network and another side card will work on RuPay-JCB network.

Credit card customers first prefer to use Amex network because of higher rewards benefit and where Amex doesn’t accept, customers will use RuPay-JCB network.

not all Amex are good ,only amex mrcc

Also 1k points on 20k spend.
10x and 5x points with smartearn companion card on az fk and reliance n dmart helps reaching 18-24k points

Must add this once ban is up

demerius2020 wrote:

not all Amex are good ,only amex mrcc

I find Amex Iconia the best, as it gives flat 2% on wallet load as well 2% on weekends, 1.5% on weekdays)
On paytm loads too I get 2%, only drawback is many online portals too don’t accept Amex like payzapp, nobroker etc

IamRage wrote:

To be honest, I don’t have the right knowledge to compare Platinum Travel with MRCC as it is more of a travel segment oriented card which I never explored.
for Gold Charge card I guess the main difference comes as you don’t have to bother much about the limit and rest of the features is almost similar except gold card being 5x via reward multiplier and 20000 monthly spend reward being not available in gold card

In AmexPT you get
1.9 lacs spends 7500+*7500*=15KRP which can be redeemed for 4500 FK gv
and when u reach
4lacs spends 1. another 10K+*15K*=25KRP which can be redeemed for 7500 FK gv
and 2. 10K Taj GV
Those 7500 and 15K RP credited only when u call them after meeting milestones(strange that they want u to call)
Lounge access and 10%CB upto 5K per month additional benefits
U get 2-3spend based offers which give u Taj evs

abhishek012 wrote:

Amex & RuPay should launch co-badged credit cards or Dual EMV chip credit card like Union bank card -

One side card will work on Amex network and another side card will work on RuPay-JCB network.

Credit card customers first prefer to use Amex network because of higher rewards benefit and where Amex doesn’t accept, customers will use RuPay-JCB network.

Like the concept (y)

Please edit, make this phrase in bold & add the fees when it is acquired without referral along with renewal charges- Annual Fees — 1500 via referral, + 18% GST. and Renewal fee Rs.4,500 + 18% GST without referral

demerius2020 wrote:

not all Amex are good ,only amex mrcc

MRCC is offered, LTF, as a companion card along with Amex Gold.

ashmail123957 wrote:

I find Amex Iconia the best

That’s a co-branded card. You won’t have Amex exclusive offers & services running on it.

BlueFlash wrote:
Like the concept (y)

Ramta_Jogi wrote:

MRCC is offered, LTF, as a companion card along with Amex Gold.

but then u will miss the best combination of MRCC+smartearn

ashmail123957 wrote:

I find Amex Iconia the best, as it gives flat 2% on wallet load as well 2% on weekends, 1.5% on weekdays)
On paytm loads too I get 2%, only drawback is many online portals too don’t accept Amex like payzapp, nobroker etc

card fee is high

demerius2020 wrote:
but then u will miss the best combination of MRCC+smartearn

Ramta_Jogi wrote:

The “best combination” depends on what you want.

I’d prefer a charge card (Amex Gold) from a longer time perspective to start with. MRCC is a credit card. I never revolve credit.

btw whats the benefot wth amex gold?

Ramta_Jogi wrote:

MRCC is offered, LTF, as a companion card along with Amex Gold.

What if we get both and then close Gold after a year? Will MRCC still remain LTF?

demerius2020 wrote:

but then u will miss the best combination of MRCC+smartearn

Why is this the best combination?