American Express has started its referral program - bonus points and discounted joining fees offer

[TechnoFinoTechnoFino is verified member.]

Hey members,
Amex India just started its much awaited referral program, MGM (members get members).
Use referral link to apply for an AMEX credit card and receive 2000 bonus MR points.
Amex MRCC- 2000 bonus MR points after spending Rs. 5,000 within 90 days.
First Year Fees- Nil
Referral Link: https://bit.ly/TFAMEXGCC (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

Gold Charge - 2000 bonus MR points after spending Rs. 5,000 within 90 days.
First Year Fees- Rs. 1000 +GST
Referral Link: https://bit.ly/TFAMEXGCC (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

Platinum Travel - 2000 bonus MR points after spending Rs. 5,000 within 90 days.
First Year Fees- Nil
Referral Link: https://bit.ly/TFAMEXGCC (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

AMEX SmartEarn- 2000 bonus MR points after spending Rs. 5,000 within 90 days and Rs. 500 cashback as a Welcome Gift when you spend additional Rs. 5000 within 90 days.
First Year Fees- Original Fees
Referral Link: https://bit.ly/TFAMEXGCC (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

Amex Platinum Charge Card- 10,000 bonus MR Points after spending Rs. 5000 within 90 days.
First Year Fees-Original Fees
Referral Link: https://bit.ly/TFAMEXGCC (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

 

[bhsiddharth]

60% ? isn't it 50% usually?

they are offering 1.5K annual fee via referral - generally it is 4.5K, so 65% disc. boils down to 1.5K - marketing hai.

 

[R!ppEr]

60% ? isn't it 50% usually?

instead of 4500 you pay 1500, thats actually greater than 60% waiver 😀

 

[WhoU]

Is fee waived off for a wallet spend too?

 

[R!ppEr]

Is fee waived off for a wallet spend too?

if you spend 1.5l on any spends you should get a complete waiver

 

[R!ppEr]

applying with the referral link reduces your annual fee from 4500 to 1500 second year onwards which is also waived off if you spend 1.5l in the year... i hope this answers your doubt

Is fee waived off for a wallet spend too?

 

[gallifrey24]

applying with the referral link reduces your annual fee from 4500 to 1500 second year onwards which is also waived off if you spend 1.5l in the year... i hope this answers your doubt

is there similar annual fee waiver for platinum travel card when using the referral link?

 

[R!ppEr]

is there similar annual fee waiver for platinum travel card when using the referral link?

its only free first year, from the second year the fee will be 5k

 

[bhsiddharth]

its only free first year, from the second year the fee will be 5k

Go for MRCC best amex card to have with 1.5K annual fees.

 

[CVR]

is there similar annual fee waiver for platinum travel card when using the referral link?

better to apply platinum travel normally without referal.. for paying 3500+gst you will get 10000 MR points which can be converted into 10000 mariott bonvoy points.. and second yr fees is 5000+gst for both referal and non referal..

for mrcc and gold beneficial to use referal route..

 

[db24]

better to apply platinum travel normally without referal.. for paying 3500+gst you will get 10000 MR points which can be converted into 10000 mariott bonvoy points.. and second yr fees is 5000+gst for both referal and non referal..

for mrcc and gold beneficial to use referal route..

I got 8000 + 2000 MR points without paying 3500 + GST, self-referral, also within the first 3 days I achieved a spending milestone of 1.9 lacs benefits. will hit the next milestone soon and I may close this card before the next renewal.

 

[bhsiddharth]

I got 8000 + 2000 MR points without paying 3500 + GST, self-referral, also within the first 3 days I achieved a spending milestone of 1.9 lacs benefits. will hit the next milestone soon and I may close this card before the next renewal.

Superb. But remember it is not allowed as per Amex TnC and they might forfeit it.

 

[db24]

Superb. But remember it is not allowed as per Amex TnC and they might forfeit it.

I know, but who cares, I am using AMEX since 2014 and in these 8 years, I had closed my AMEX cards many times and issued them again, getting an AMEX card is easy than any other bank card. I also have a personal RM of AMEX who always take care of many of my problems related to AMEX.

 

[bhsiddharth]

I know, but who cares, I am using AMEX since 2014 and in these 8 years, I had closed my AMEX cards many times and issued them again, getting an AMEX card is easy than any other bank card. I also have a personal RM of AMEX who always take care of many of my problems related to AMEX.

What is the cooling period for applying the same card again?

 

[CVR]

I got 8000 + 2000 MR points without paying 3500 + GST, self-referral, also within the first 3 days I achieved a spending milestone of 1.9 lacs benefits. will hit the next milestone soon and I may close this card before the next renewal.

What do u mean by self referal? You had plat travel and you took another plat travel using your own referal link?

 

[amit]

What do u mean by self referal? You had plat travel and you took another plat travel using your own referal link?

Not like that, he have mrcc/gold and applied from that card referral link.

 

[CVR]

Not like that, he have mrcc/gold and applied from that card referral link.

But i was under impression on can only refer for the card he holds. So one has mrcc how can he refer plat travel?

 

[R!ppEr]

But i was under impression on can only refer for the card he holds. So one has mrcc how can he refer plat travel?

yes you can, if the referee clicks on "View All Cards" button they can apply to any of the other cards as well

 

[amit]

But i was under impression on can only refer for the card he holds. So one has mrcc how can he refer plat travel?

only plat charge card holder can refer for plat charge, other wise apply for any card from any amex referral link.

 

[venkateshr]

Not like that, he have mrcc/gold and applied from that card referral link.

The T&Cs explicitly prohibit this. There is a high chance of the MR points reversal once they look at applications with a finer comb, maybe later next year. Definitely not worth the risk as potentially the rightfully available points also may be forfeited.

 

[CVR]

yes you can, if the referee clicks on "View All Cards" button they can apply to any of the other cards as well

ok, i wasn’t aware of that. Surprised amex is unable to plug this simple loophole when they say self referral not allowed