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
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
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
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
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
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
Sure, will make it. right now I am not able to edit the post will try in sometime again
Any suggestions how to spend 4 * 1500 transaction,tried all wallet option but not working.
I am personally loading 3*1500 in mobikwik wallet and buying an amazon voucher e-voucher via reward multiplier portlet (eligible for 2x). Next month onwards I would consider buying the e-voucher itself 4*1500
very well written about the usage but I am not able to understand the benefir of buying amazon GV from Mobikwik and then later used in Amazon. I nstead directly add the money Amazon pay directly.
Please explain this maths.
if you are referring to this statement “I used to load Mobikwik 3*1500 and used to buy a amazon voucher of 1500 every month” then what I meant was 3 out of 4 transactions of 1500 was done in mobikwik (1500 wallet load each) and used that for mobikwik payments only and then for the 4th transaction I used to buy an Amazon voucher via reward multiplier. But since last month mobikwik made some changes to the supercash utilization and now loading mobikwik doesn’t seems much beneficial, instead I would buy 4 amazon vouchers of 1500 each via reward multiplier
ok bro but please explain more about rward multipier. What is this all about.
This is similar to HDFC smartbuy portal where you get additional benefits when the purchase is done via this portal,
pls refer -
ok..good info bro
Earn 1 Membership Rewards® Point for every Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale2.
How to earn rewards then 😳
off topic have Amex started issues LTF cards yet ?
Never heard of LTF Amex till there is some corporate tie up offer going on.
Amex referral is open
![[New Launch] Redmi Pad SE 4 GB Ram 128 GB ROM 11.0 inch with Wi-Fi Only Tablet](https://cdn0.desidime.com/topics/photos/1779535/medium/-original-imahy8eh9sums95h.jpeg?1713935543)
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