Recent content by anirban.choudhury

Add on pp is a gray area for indulge Email customer support has given writter confirmation that's it's complementary even for addons but welcome letter and card benefits suggests otherwise.

But that's mostly the case with every credit card, the best value is always on certain categories both earn and burn Magnus Burgundy best value on high spends above 1.5L a month Best burn is point transfer at 5:4 Atlas best earn in travel category and burn is restricted to point transfer only...

For someone who is flexible in his plans , MR points can give as high as 1-2 Rs value or even more if we consider the ultra lux marriot properties But even the most basic redemptions Amex points can be valued at atleast 70p . Deriving a value of 33p for MR would require some extra special...

For atlas I am mostly targetting 30k EM annually , anything above that even the 5 EM category I use amex gyftr vouchers mostly or with DCB Metal smartbuy. Amex cards are used for offline hotels mostly for FHR or plat charge concierge base bookings for Oberoi or Taj.

Gold is actually one of the best cards in Amex portfolio , the earning capacity is sometimes higher than Plat travel ,as it gets 5x on reward multiplier. A meagre spend of 20k(6k + 14k) a month on apay and other vouchers would yield 36k MR points that's about that's like 15% MR return. The...

Yes + 3

TBH , I don't find acceptance to be much of an issue. We just need to strategies our card spending. Amex cards for me is a strict online only card, I rarely use it offline. Majority of spends are channelised through its reward multipliers or xcelerator. For offline the usage is restricted to...

The last time I referred someone an Indian Bank credit card, I got 250 Rs voucher after 120 days and 50 escalation mails , the guy I referred the card got nothing . With Amex it gave me 8000 points , first year free or discounted first year charges to the one I referred, few sets of show pieces...

Yes +3 words

Annual 10k is not worth for this card. It's pretty basic

If your max spends are in forex DCB metal would have an edge over Infinia as metal gets quarterly milestone. If you are into airmiles then you can get yourself an Atlas and Amex plat travel. If you are more into cashback and vouchers you can check Yes Marquee or if you can get yourself Yes...

Try marriot or VS , easily you can extract 1 or more value

Yes shared with primary

Dreamfolks card is only for primary

Yeah doesn't adds much value hence I haven't tried to get this card. Only value that it adds is the unconditional golf , where as Emeralde has spend based.