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Best American Express Credit Card in 2024
- Thread starter Santhosh
- Start date
This is true for any year since Black Card was released...
But practically speaking, i think Amex Plat Travel is the most rewarding card in their portfolio right now, followed by MRCC
If you have that kind of spending and lifestyle, Plat Charge makes sense for some people
s1t2y3a3m6
TF Ace
Just joking man,
You can't get black even if you want. It's purely invitation basis for some hand picked personal.
BTW best card is based on personal spend so no one can suggest a best card without knowing of person's spending pattern.
It all depends on Individual lifestyle and spend pattern.
Black is invite only and this is for people who can spend in lakhs or crores in one swipe not for others.
Best so far for salaried are plat travel mrcc and gold cc.
Gold cc is a charge card basic good for uiltilities payment and fuel who are regular for paying utilities and fuel.
Mrcc is for mid entry whose spends eternally don't exceed 2.5lakhs
Plat travel the best for travellers who can spend 4lakhs a calender year. After this rewards dip but if one spends may get offer for upgrade to plat chg.
Plat charge for people who travel a lot and regular and who start regularly in 5 stars hotel for tier benefit and additional points 5x or 3x regular spends.
Smart earn card is the basic of amex cards a entry level and it is the stepping stone to get into amex this card gets regular zomato and swiggy offers and for salaried who's is less than 5lakhs ctc 4.5 lakhs is eligible salary for smart earn and to experience Amex portfolio. This card is regular spends on swiggy zomato budget hotels - why I said budget hotels because limit they give usually less.
Mostly any amex card can be used for Voucher purchase for 5x or 3x based on amex card holder type on reward multiplier all amex card gives spend every 50 INR 1 MR point except plat chg and Centurion 1MR point for every 40INR.
Mostly offline acceptance is a stress online is a cool breeze where ever they accept amex. HP pumps for fuel accepts amex card as they have tieup but mainly company opened hp pumps. But their are other ways to use amex for HP fuel. One can purchase HP vouchers or load HP wallet and use the amount to fill fuel. This is the easiest one.
Only thing is charge cards don't come under milestone benefits. Other cards come under milestone benefits. So use judiciously.
Lastly depends on one spend pattern and what benefits they like.
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Depends on your lifestyle. My fav is travel always for Rewards
What does one do once one has spent 4 lakhs on the plat travel card ? Put it in a drawer for next year?
Well.. i need to find a new card to spend on now!
Last yr i finished another 4.5L on my Axis Vistara Signature Card, but with Air India abd Vistara merger ongoing, no more vistara cards being issued for time being
Look into HDFC cards
Yes after 4lakhs . Then wait for next year else tou keep using the card maybe limit increase offer may come up. A year back I kept using it after 4lakhs I got limit increase offer and I took it. MR points don't expire also one can use that spends and repayment as leverage to next year renewal fee waiver fully or 50% . Have to negotiate based on payments and good repayment pattern.
Platinum Charge if you spend 40L per year.
Plat Travel if you spend 4L every year.
MRCC if you spend 72K-2.5L every year.
Plat Travel if you spend 4L every year.
MRCC if you spend 72K-2.5L every year.
Sup
TF Premier
What about gold?
Which card is better just for gyftr spends for buying agv?
PrateekAgarwal
TF Buzz
Hey guys!
I am seeking an AmEx card since long. My ICICI Sapphiro has been devalued and I have lost interest on this card.
I am religiously using my LTF HDFC Regalia Gold, getting to milestone benefits, and reaping all the rewards that card has to offer (flight vouchers of Rs 5k two times, Uber voucher worth Rs 300 every time I book a flight on Smartbuy and additional single Rs 1500 vouchers of several brands every quarter)
My focus would be fuel and other spends using Vouchers (wherever available). I buy fuel from IndianOil petrol pumps regularly to the tune of 10K p.m. and spends would range around 20-25K p.m.
Can you please suggest between Platinum travel, Gold or MRCC?
I am seeking an AmEx card since long. My ICICI Sapphiro has been devalued and I have lost interest on this card.
I am religiously using my LTF HDFC Regalia Gold, getting to milestone benefits, and reaping all the rewards that card has to offer (flight vouchers of Rs 5k two times, Uber voucher worth Rs 300 every time I book a flight on Smartbuy and additional single Rs 1500 vouchers of several brands every quarter)
My focus would be fuel and other spends using Vouchers (wherever available). I buy fuel from IndianOil petrol pumps regularly to the tune of 10K p.m. and spends would range around 20-25K p.m.
Can you please suggest between Platinum travel, Gold or MRCC?
It would be better to have combo of Gold charge card and Platinum Travel CC - I got them both recently as planning to close Platinum charge just before the renewal in the next month or so as my spends (don't travel much either) won't justify the hefty fees.
As explained above, Gold is good for vouchers and utilities including fuel whilst the Platinum travel is good if you are able to spend 4 lacs per year to get both sets of mile stone benefits.
As explained above, Gold is good for vouchers and utilities including fuel whilst the Platinum travel is good if you are able to spend 4 lacs per year to get both sets of mile stone benefits.
raki
TF Buzz
If you can spend 4L annually then Platinum travel makes sense, otherwise, MRCC + Gold charge cards are enough to start with.
amex referral - https://americanexpress.com/en-in/referral/gold?ref=rAKESF9hJj&XL=MIMNS
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