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MRCC vs Regalia Gold

kaykayporty

TF Select
I've had the AMEX MRCC for about 6 months now. The thing is I also have the Plat Travel and I hate the monthly nonsense I have to do with Gift cards for the MRCC.

I much rather prefer the yearly milestone with the Plat Travel.

I also have a LTF Regalia. I'm wondering if it is worth upgrading to FYF Regalia Gold.

My yearly expenses would around 7 lakhs on combined on credit cards. My only comparison would be value derived from these cards - nothing else.

---

GYFTR is quite a hassle with multiple minimum INR 1500 transactions and then the 20K milestone as well.

The milestone for Plat Travel is 4L in a year. I gotta pay the fees anyway. Might as well get amazing AMEX points.
70%
I'm obviously going to cross the fees threshold for the MRCC, but not sure if I'll be able to for the Regalia Gold.

Who's points are more worth it? Assuming 70% value for Amex points and Smartbuy redemption for Regalia Gold.
 
I've had the AMEX MRCC for about 6 months now. The thing is I also have the Plat Travel and I hate the monthly nonsense I have to do with Gift cards for the MRCC.

I much rather prefer the yearly milestone with the Plat Travel.

I also have a LTF Regalia. I'm wondering if it is worth upgrading to FYF Regalia Gold.

My yearly expenses would around 7 lakhs on combined on credit cards. My only comparison would be value derived from these cards - nothing else.

---

GYFTR is quite a hassle with multiple minimum INR 1500 transactions and then the 20K milestone as well.

The milestone for Plat Travel is 4L in a year. I gotta pay the fees anyway. Might as well get amazing AMEX points.
70%
I'm obviously going to cross the fees threshold for the MRCC, but not sure if I'll be able to for the Regalia Gold.

Who's points are more worth it? Assuming 70% value for Amex points and Smartbuy redemption for Regalia Gold.


Regalia Gold w/ Atlas: https://www.technofino.in/community/threads/axis-atlas-vs-hdfc-regalia-gold-vs-axis-horizon.26500/
MRCC w/ Plat Travel: https://www.technofino.in/community...ex-gold-vs-amex-travel-vs-amex-reserve.30606/

Before all that, a little help to choose credit card based on spend categories: https://www.technofino.in/community/threads/guide-to-suggest-a-credit-card-basic-requirements.32560/
 
Yeah, I saw this. Looks like I'll either stick my current setup (Plat Travel + MRCC + ICICIAMZ)

or

Plat Travel + MRCC + Regalia Gold + ICICIAMZ (only for Amazon)

---

Milestone cards are the best and MRCC is just a headache. You gotta keep track of the second monthly milestone.

Once I was off by a 100 bucks because I forgot to keep track. Lost 1000 points :/
 
I have MRCC, Atlas and Regalia. Now got upgrade offer for Plat travel

My yearly expenses are around 8-10L(3L via UPI).

HDFC rejected my ask for any upgrade.

So,

1) MRCC+Atlas or MRCC+RG - which makes more sense?
2) should I upgrade to Plat travel?
 
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